# Internet neobank

<figure><img src="/files/Z6ucwVz4LbInMINEmKhI" alt=""><figcaption></figcaption></figure>

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We believe stablecoin cards are the most useful application of stablecoins as they solve the [incentive problem](https://x.com/chuk_xyz/status/1952001048836555233) and make crypto spendable worldwide. The main unlock with stablecoin cards is that you can have a self-custodial wallet, use the existing Visa infrastructure without giving control of assets to Visa or banks. There are currently only USD, EUR, and HKD BINs. But most regions prefer having local BIN's without paying forex to spend locally, so there is so much room to grow this category and [its just getting started](https://arc.net/l/quote/awmpwgby)\
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[Avici today](https://docs.avici.money) allows anyone to create a virtual card within minutes, order a [physical card](https://arc.net/l/quote/awmpwgby), and have it delivered to their doorstep. You can use the virtual card (if the ATM supports NFC) or the physical card to withdraw cash directly, powered by any crypto asset while keeping full custody of your funds. Within the same app, you can store, swap, and spend any tokenized asset, giving you a single balance to fund payments anywhere Visa is accepted.

Global onramping is built in. Anyone in Brazil, Singapore, or over 150+ other countries can open a USD or EUR account, convert local currency, receive USDC in their wallet, and start spending instantly without relying on a local bank

<figure><img src="/files/6rwjPdOwYNDKHdFQ6hvv" alt="" width="375"><figcaption></figcaption></figure>

{% embed url="<https://x.com/RamXBT/status/1976173250825851115>" %}

> Sources
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> * [Sources Payments are multiplayer games](https://x.com/chuk_xyz/status/1952001048836555233)
> * [Launch of Avici Physical cards](https://x.com/RamXBT/status/1952263085865193980)
> * [Stablecoin spend Volume](https://arc.net/l/quote/awmpwgby)


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