Plasma One vs Tria
Both built for users with stablecoins, both non-custodial. Plasma One is stablecoin-purist with tiered cashback up to 4%; Tria spans 1,000+ assets across 200+ chains with up to 6% on paid tiers.
Quick verdict
Plasma One is the simpler choice for stablecoin holders — one chain, one token type, tiered cashback up to 4%, with a free Lite tier. Tria is a power-user product — it routes across 200+ chains so you can spend any asset directly, and its premium tiers earn higher cashback, but you pay an annual fee and the cashback vests over months.
Side-by-side
| Plasma One | Tria | |
|---|---|---|
| FX Fees | 0% on USD & EUR · 1% on other currencies | 0% on USD · 1.6% on other currencies |
| Payback | Lite 2% · Core 3% · Platinum 4% — paid in XPL | 1.5% cashback, up to 6% on paid premium tiers |
| Annual Fee | Lite Free · Core $120/yr or 10,000 XPL lock · Platinum 100,000 XPL lock | $20/yr Virtual · $90/yr Signature · $225/yr Premium |
| Physical Card | Virtual + orderable premium physical (by Rain) | Metal Signature card + instant virtual |
| Custody | Non-custodial (on-device keys) | Self-custodial |
| Supported Currencies | Stablecoins: USDT, USDC, USDS | 1,000+ assets across 200+ chains, settles USD |
| Region | Global; iOS-only at launch | Not available in US, Russia, Turkey, India, Vietnam, Israel, Ukraine |
Verdict by dimension
FX Fees
Plasma One wins on the headline (0%/1%) vs Tria's 0%/1.6%.
Cashback
Plasma One's 2–4% in XPL beats Tria's base 1.5%. Both reserve top rates for paid tiers; Tria's premium (up to 6%) wins for high-volume spenders, but the headline rate is gated by vesting.
Annual Fee
Plasma One's Lite tier is free vs Tria's $20–$225/yr; Plasma One's Core/Platinum carry a fee or XPL lock-up for higher cashback.
Asset support
Tria wins decisively — 1,000+ assets across 200+ chains vs Plasma One's 3 stablecoin types.
Platform
Tria has both iOS and Android. Plasma One is iOS-only at launch.
Regional restrictions
Tria is not available in the US, Russia, Turkey, India, Vietnam, Israel, or Ukraine. Plasma One is more broadly available.
Choose Plasma One if…
you primarily hold USDT or USDC, want zero up-front cost, prefer simplicity, and the iOS-only restriction isn't a blocker.
Choose Tria if…
you hold assets across multiple chains (Optimism, Arbitrum, Solana, etc.) and want to spend them without bridging first. The premium tiers make sense only if your monthly spend is high enough to clear the annual fee.