Plasma One vs Tria
Quick answer
Both are self-custody Visa cards on Rain's platform. Pick Plasma One if you move money between banks and stablecoins: it has bank details in six currencies, withdrawals to banks in 19, a free tier with 2% back on your first $500 a month and no FX fee on Platinum. Pick Tria if you live in crypto: top-ups from nine networks including Bitcoin, swaps, perps and earn vaults, and paid tiers that pay 4.5% or 6% on your first $1,000 or $2,000 a month. Tria's Pro ($109) and Max ($250) beat Lite on cashback from about $250 and $430 of monthly spend; Plasma One Core ($199) needs about $900.
Plasma One and Tria compared
| Plasma One | Tria | |
|---|---|---|
| Our score | 7.7/10 | 7.3/10 |
| Best for | Stablecoin users who want cashback plus cheap local bank on and off ramps in one app. | Crypto users who spend $250 to $2,000 a month on a card and also want swaps, perps and earn in one self-custody app. |
| Cashback | 2% to 4% in XPL on capped bands, up to 10% on AI | 1.5% to 6% on early monthly spend, uncapped on Tria Travel |
| Card cost | Lite virtual card: a $10 deposit you can spend (a $10 fee in some regions). Core and Platinum: no requirement. | Included in the yearly membership. Pro and Max holders get a virtual card to use while the physical card ships. New accounts get a $10 joining bonus toward a membership, valid for 5 days. |
| Annual fee | Lite free. Core $199 a year or 20,000 XPL locked for 12 months. Platinum 100,000 XPL locked for 12 months. | Lite $20 a year, Pro $109 a year, Max $250 a year (in-app prices, October 2026). If you don't renew a paid tier, you drop to Lite. |
| FX | Plasma markup: 1% on Lite and 0.5% on Core, plus Visa's network FX fee of about 1%. Platinum: no FX fee of any kind. | Tria says it charges no FX fee of its own; Visa's FX may apply. SpendNode measured about 1% on non-USD spending (1.73% all-in with the payment fee). |
| Conversion | Not listed | SpendNode reports a 0.5% fee on every card payment. Tria charges no deposit fee, but a provider fee for swaps and bridging can apply. |
| ATM | $2 plus 2% per withdrawal, physical card only. Balance inquiry or decline $1. Plasma FX on non-USD cash: 1% Lite, 0.5% Core, 0% Platinum. | Pro and Max only: $1 plus 1% per withdrawal (a $100 withdrawal needs $102). Lite is virtual only. |
| Custody | Self-custody (Plasma says you own and custody your stablecoins) | Self-custody, seedless wallet (Tria says you hold the keys and every transaction needs your Face ID) |
| Network | Visa | Visa (Platinum on Lite, Signature on Pro and Max) |
| Top up with | Deposit USDT, USDC, USDG, USDe, PYUSD, USDS or EURC, or crypto such as ETH, wrapped BTC and HYPE, which converts to USD; Bank details in your name for USD (ACH and wire), EUR (SEPA), GBP (Faster Payments), MXN (SPEI), BRL (PIX) and COP (Bre-B). Fiat arrives as USDT. | In the app: Card, then Top-up, then pick your Tria wallet or a supported external wallet, choose the token and amount, review and swipe. Usually near-instant.; Card top-ups from nine networks: Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BNB Smart Chain, Aptos and Solana ($50 minimum for BTC, $10 for other tokens). Avalanche isn't supported for card top-ups.; The wallet itself can receive on 14 networks, adding XRPL, Avalanche, Monad, Robinhood Chain and Tron. Swap or bridge before topping up the card.; Pay for the membership with crypto or a bank card |
| Withdraw by | Send stablecoins onchain, free on the Plasma network; Withdraw to a bank in 19 currencies: the six deposit currencies plus CAD, AUD, INR, PHP, IDR, MYR, THB, VND, KRW, TRY, NGN, ZAR and KES (availability depends on your country); ATM cash with the physical card: up to $1,000 per withdrawal and 3 a day | Move funds from your self-custody wallet to any address; ATM cash on Pro and Max: choose "Credit" when the ATM asks for an account type |
| Where it works | Plasma says the card works in 180+ countries. Which bank currencies you can use depends on your country of residence, and the app shows them at sign-up. The US gets a credit card version. | About 97 countries as of October 2026, including the US. Other trackers list 150+ countries. Sign-up is invite-only, so you need an access code. |
| Last checked | 18 October 2026 | 18 October 2026 |
Which one should you pick?
Plasma One does more with your dollars, Tria does more with your crypto. If you get paid in fiat, want to cash out to a local bank, or travel and can reach Platinum, Plasma One is the better account. If you hold a mix of tokens and spend a steady $500 to $2,000 a month, Tria's paid tiers return more cashback for the money, as long as you're comfortable with its reported 0.5% per-payment fee. Both run on Rain, so if you want a backup card, pick one on a different platform rather than holding both. Our premium tiers guide has the full break-even maths.
Frequently asked questions
Which is cheaper abroad, Plasma One or Tria?
On the entry tier, Tria has the lower FX markup. Plasma One: Plasma markup: 1% on Lite and 0.5% on Core, plus Visa's network FX fee of about 1%. Platinum: no FX fee of any kind.. Tria: Tria says it charges no FX fee of its own; Visa's FX may apply. SpendNode measured about 1% on non-USD spending (1.73% all-in with the payment fee)..
Which pays more cashback, Plasma One or Tria?
Tria has the higher top rate. Plasma One: 2% to 4% in XPL on capped bands, up to 10% on AI. Tria: 1.5% to 6% on early monthly spend, uncapped on Tria Travel. Check caps and requirements on each review.
Are Plasma One and Tria self-custody?
Plasma One: Self-custody (Plasma says you own and custody your stablecoins). Tria: Self-custody, seedless wallet (Tria says you hold the keys and every transaction needs your Face ID).