The Avici Money referral code V7EJDE gets a new user 10% off the one-time card purchase fee when it's entered at checkout, and it hands the person who shared it a 20% cash reward on whatever you paid. That's the mechanic behind the "up to 20% discount" headline you'll see on aggregator pages: the 20% figure belongs to the referrer's side of the deal, not an extra slice stacked on top of your own discount. If you're the one signing up and entering V7EJDE, the number that actually lands on your invoice is 10% off. Below is how the code works, how to enter it, what Avici Money is in the first place, and what to check before you fund a card.

V7EJDE is a standard Avici Money referral code, the same type any existing user can generate and share from inside the app. According to Avici's own referral documentation, a standard code gives the new sign-up a 10% discount on any card's purchase fee, while the referrer earns 20% of the amount the new user paid, credited back as a reward. Both sides get something out of the same code; it isn't a one-way coupon.

You'll find V7EJDE (and similar-looking codes such as W7HLKC or 5F2TI1 from other referral pages) repeated across review sites and airdrop trackers. These aren't fake in the sense of being non-functional; they're simply different users' personal referral links, all pointing at the same underlying 10%-off-plus-20%-reward structure. There's no special "V7EJDE-only" bonus tier documented anywhere, the code behaves exactly like any other valid referral code in the system.

That matters for expectations. If a page promises a flat 20% discount on your own purchase with no further explanation, treat that as marketing shorthand rather than the literal number you'll see at checkout. The 10% figure is what Avici states in its own referrals documentation, and it's the number to budget against when you're comparing the cost of a card with and without a code.

The discount applies to the card purchase fee specifically, not to top-ups, spending, or any ongoing subscription cost the app might carry. It's a one-time reduction applied at the point you buy a card, which is also the only moment the referral field appears in the checkout flow.

Avici (marketed as Avici Money, and also listed on app stores as "Avici: Internet finance") is a self-custodial crypto neobank built primarily around Solana, with support for EVM chains as well. The pitch is straightforward: fund a wallet with crypto, and spend it in the real world through a Visa-branded card without first having to cash out through an exchange. The platform advertises acceptance at more than 100 million merchants worldwide, which is simply the reach of the Visa network itself.

Two products sit at the center of the app. The first is the card itself, available as a virtual card you can add to Apple Pay or Google Pay immediately, or as a physical card for in-person use. The second is a set of virtual USD and EUR bank accounts, including IBAN and ACH details, which let you wire ordinary fiat into the app and have it converted into stablecoins automatically.

Some independent reviews describe the underlying card mechanism as a secured, collateral-based model: you deposit USDC into a smart contract you control, receive a matching USD spending line on the card, and when you swipe, the corresponding USDC is drawn down to settle with Visa over the following days. Avici doesn't take custody of your crypto until the moment you actually spend it, which is the core of the "self-custodial" claim.

Because this is a crypto-collateral product and not a bank account, the value backing your card can move with the market, and settlement isn't instant. That's worth keeping in mind before you rely on it for time-sensitive payments.

Entering V7EJDE takes under a minute if you have the app installed and a valid ID ready for verification. The referral field only appears once, at the point of purchasing a card, so the code has to go in before you complete that step. It can't be applied retroactively to a card you already bought.

If the field doesn't appear, double-check that you're on the card purchase screen and not a top-up or spending screen, since the referral box is specific to that one flow. A code that fails to apply usually means it was mistyped, or that the account already has a code attached to it from an earlier session.

As the new user entering the code, you get 10% off the one-time fee charged when you purchase a card. Avici's referral documentation doesn't list separate discount tiers for different codes, so this is the figure that applies regardless of which valid code you use, V7EJDE included.

The person who shared the code with you gets a separate benefit: 20% of the amount you paid, credited back to them as a reward once your purchase goes through. This is why the code is worth sharing once you have your own; you're not competing with the person who referred you for the same discount pool, you're each getting a different cut of the same transaction.

Nothing in the public documentation suggests the discount stacks with other promotions, and there's no indication that entering multiple codes or re-entering a code increases the percentage. Treat the 10% as a flat, one-time reduction, and the 20% referral reward as the separate incentive that exists to get existing users sharing their own codes in the first place. If a listing advertises a different split, it's likely describing a limited-time campaign rather than the standard mechanic.

Referral codes in Avici's system are generated per user rather than issued centrally with an expiry date, so V7EJDE should keep working as long as the account that owns it stays active and the referral programme itself remains live. There's no publicly documented sunset date for the standard 10%/20% structure.

That said, "still valid" isn't the same as "guaranteed forever." Referral terms on any app can change with an update, and a code tied to an individual user could stop working if that account is closed or flagged during a compliance review. If you type V7EJDE at checkout and the discount doesn't apply, that's your signal to try re-typing it carefully, checking for a typo, or falling back on a different current code rather than assuming the whole programme has ended.

A practical way to sanity-check any code before you commit to funding a card: enter it early in the checkout flow and confirm the discounted total appears in the order summary before you pay. Because the field only lets you apply a code once and doesn't always give a clear error message if it fails silently, checking the number on screen is more reliable than assuming it worked.

Given that referral codes point back to individual users rather than a company-wide promo system, there isn't a single authoritative "codes expire on this date" page to check. The most current confirmation is always the app itself, at the moment you're about to pay.

The referral code only touches one line item: the one-time card purchase fee. It doesn't reduce top-up costs, spending fees, or any recurring charge the card might carry, so it's worth understanding the fee picture beyond that single discount before you decide a card is worth buying.

Some user reviews report that setup and activation come at no cost, meaning the purchase fee itself is the main up-front charge tied to getting a card. Other independent reviews describe no monthly, top-up, or maintenance fees on the card once it's active, though this is the platform's or reviewers' own characterization rather than an official published fee schedule, and fee structures on crypto card products do change.

Not every review is glowing. Some App Store feedback describes a spread of around 5% on crypto-to-stablecoin conversions during top-ups that wasn't clearly disclosed in the app, and at least one user reported top-ups showing as successful in the transaction log while the balance never updated on the card. Other reviewers report the opposite experience, describing fees as low and the interface as smooth. Both sets of reviews are user reports, not confirmed platform data, and outcomes may depend on which network or asset you're topping up with.

The honest takeaway: the referral code shaves 10% off a one-time fee, which is a real and modest saving, but it isn't a substitute for reading the current in-app fee schedule before you fund a card with more than you're comfortable testing the system with first.

Avici sits in a crowded field of self-custodial crypto cards, most of which follow a broadly similar model: deposit crypto, get a Visa or Mastercard spending line, keep custody until the point of sale. What differentiates one from another is usually the chain support, the fee structure, and whether there's a fiat on-ramp built in.

The built-in USD and EUR virtual accounts are worth noting specifically. Not every crypto card offers a way to receive an ordinary bank wire and have it auto-convert to stablecoins inside the same app; that's closer to neobank territory than a simple prepaid crypto card. Whether that's an advantage for you depends on whether you're moving mostly crypto or mostly fiat into your day-to-day spending.

None of this is a recommendation to pick Avici over an alternative. Fee schedules, supported countries, and card limits change across this category regularly, and the right pick depends on which chains you already hold assets on and which fiat rails you actually need.

This is a crypto-collateralized card product, not a bank account, and the plain-language risk here is straightforward: the value backing your spending line is a crypto asset, and its price can move before or during settlement. Don't fund a card with more than you're prepared to see fluctuate in value while a transaction settles.

Settlement itself isn't instant. Some independent descriptions of the underlying model put crypto-to-Visa settlement at up to a week after you swipe, which means the app is holding a claim on your collateral, not cash, during that window. If the smart contract infrastructure or the card issuer behind it were to run into trouble, unspent collateral is the part exposed, per that same third-party description of the model.

User reviews are mixed rather than uniformly positive. Alongside reports of a smooth, low-fee experience sit complaints about an undisclosed spread on crypto conversions and transactions that show as completed in the log without the balance actually updating. Treat these as reports to weigh, not settled fact in either direction, and consider starting with a small top-up before moving meaningful funds through the card.

KYC is mandatory. You'll need to hand over a government ID and a selfie through Sumsub before any card activates, which is standard for a regulated Visa product but worth knowing up front if you'd rather not go through identity verification. Availability may also be restricted by country, and referral discounts don't change that requirement or bypass it in any way.

V7EJDE is meant for new users who haven't yet purchased an Avici card and haven't already attached a different referral code to their account. Once an account has used one code, the field is spent; there's no documented way to swap in a second code afterward for a bigger cumulative discount.

You don't need to have spent anything to get your own code to share. Once your account exists in the app, Avici's documentation points to a referral section in the bottom-right corner of the navigation bar, where your personal code is generated and ready to copy. From there you can send it to anyone who hasn't yet bought a card, and you'll earn the 20% reward described earlier whenever they use it to complete a purchase.

There's no cap mentioned in the documentation on how many people can use your code, which means the reward is, in principle, repeatable for every new user who signs up through it. Whether that adds up to a meaningful amount depends entirely on how many people you actually refer and what card tier they buy, since the 20% is calculated on the amount paid rather than a flat sum.

If you're weighing whether to enter someone else's code or wait and use your own referral link once you're set up, remember the two roles pay differently: entering a code as a new user nets you 10% off, while sharing your own code as a referrer nets you 20% of what your invitee pays. There's no version of the flow where the same person collects both.

It gives a new user 10% off the one-time card purchase fee at checkout, and it credits the person who shared the code with 20% of the amount paid, per Avici's own referral documentation.

Not for the person entering it. The 20% figure is the referrer's reward, not an extra discount on your purchase. Your own discount as the new sign-up is 10% off the card fee.

In a field labelled "Referral Code," "Promo Code," or "Discount Code" on the card purchase checkout screen, before you complete payment. It won't apply after the purchase is finished.

You need to complete Sumsub identity verification, ID plus selfie, before you can purchase a card at all. The referral code doesn't waive or shorten that requirement.

No. There's no documented way to stack codes, and once an account has used one referral code, the field doesn't appear to accept a second one for the same purchase.

No. It applies only to the one-time card purchase fee. Top-ups, spreads on crypto conversion, and any recurring charges aren't affected by the referral code.

Treat it cautiously at first. It's a crypto-collateralized product with settlement delays and mixed user reviews on hidden fees, so starting with a small top-up before scaling up is the more careful approach.