How the CIA and an IBM Engineer's wife accidentally invented the modern credit card.

How a forgotten wallet created the first credit card.

Credit card interest rates are way too high. What if you could create a credit card that had an interest rate below 10% to solve the problem. This is what @SadiSKhan and Aven have done. Fascinating business & discussion.

Can you use your Bitcoin without selling? Yes. Now you can. Introducing The Aven Bitcoin Card. Terms apply. See Aven.com/bitcoin for terms and conditions. Up to 10 year fixed plans. Starting at 7.99% Variable & Fixed No Teaser APR. Up to $1M Line Size. Apply now at aven.com/bitcoin “Aven accounts are arranged by Aven Financial, Inc., dba Aven (or AvenCard in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info. Aven accounts are issued and held by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289. Aven cards are issued pursuant to a license from Visa U.S.A., Inc. Coastal Community Bank's privacy policy. For additional information or to submit complaints to Coastal Community Bank, visit federalreserveconsumerhelp.g…. Coastal Community Bank is not the issuer or custodian of Bitcoin, and Bitcoin is not FDIC-insured. Bitcoin is held with BitGo Bank & Trust, National Association. Insurance is maintained by BitGo through a syndicate of insurers in the Lloyd's of London and European Marketplace, covering certain losses in instances where BitGo holds all private keys. This coverage does not protect against all losses. Rates, terms and loan product information were collected on April 7, 2026, from publicly available sources, including lender 1 websites and other published materials. “up to 10x industry standard” is based on a comparison of the maximum available loan term (Aven: 10 years vs. certain competitors: 1 year). Terms may change without notice. Review each loan provider’s website or loan agreement for the latest loan terms and offers. All company names mentioned are the property of their respective owners. Sources: Arch Lending: Loan size tiers table, Arch Lending: Origination fee, Figure: How are loan rates set?, Figure: Origination fee, Ledn: Our rates table, Ledn: Administration fee, SALT: Standard rates table. SALT: Origination fee. Aven allows borrowers to convert a draw from the line of credit into a plan with a fixed-rate and fixed-term of up to 10 years. See aven.com/bitcoin for Terms & Conditions

Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit federalreserveconsumerhelp.g…. For more information, you can also visit Coastal Community Bank’s privacy policy. Coastal Community Bank is not the issuer or custodian of pledged Bitcoin, and Bitcoin is not FDIC-insured. Bitcoin is held with BitGo Bank & Trust, National Association. Insurance is maintained by BitGo through a syndicate of insurers in the Lloyd’s of London and European Marketplace, covering certain losses in instances where BitGo holds all private keys. This coverage does not protect against all losses. Industry average for a crypto-backed loan is 1 year, according to “What is Crypto Loan and How Does It Work?” Experian, 2025. Aven allows borrowers to convert a draw from the line of credit into a plan with a fixed-rate and fixed-term of up to 10 years. See Aven.com/bitcoin for more details and disclosures.

Aven Bitcoin Card is a variable rate revolving line of credit with fixed-rate, fixed-term plans, or interest only plans to certain applicants, each with its own annual percentage rate (“APR”). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section (“Index”) plus a margin. The margin is determined based on multiple factors, including the loan-to-value ratio you select at the time of account creation. The Index as of Jan 8th, 2026 EST was 6.75%. The APR will not exceed 14.99%. The fixed APR for a fixed-term loan (aka Aven Simple Loan) is based on your variable APR and other factors, including the loan-to-value ratio you select at the time of account creation. The APR for either of these plans are fixed for the term of the plan. For cash outs and balance transfers, there is a 1% fee on the amount transferred. A 2% liquidation fee applies in a full liquidation. See Pricing & Terms for details. Terms are subject to change. Aven accounts are arranged by Aven Financial, Inc., dba Aven (or AvenCard in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info. Aven accounts are issued and held by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289. Aven cards are issued pursuant to a license from Visa U.S.A., Inc. Coastal Community Bank's privacy policy. For additional information or to submit complaints to Coastal Community Bank, visit federalreserveconsumerhelp.g….

Have Bitcoin? Unlock up to $1 million at 10X longer than the industry standard with the Aven Bitcoin Visa Card. Apply now at Aven.com/bitcoin. See Aven.com/bitcoin for more details and disclosures.

Even in the tech industry, young talent is sometimes overlooked. Keith Rabois, an Aven board member and managing director at Khosla Ventures, and Sadi Khan, founder and CEO of Aven Financial, Inc weigh in. View the full conversation here: bit.ly/4vLOifC

Keith Rabois, an Aven board member and a managing director at Khosla Ventures, shares the common mistake many startup founders make. Watch the full conversation here: bit.ly/4vLOifC Views expressed are the participants' own and do not reflect those of Aven Financial, Inc. or its affiliates. For educational and informational purposes only; not investment, tax, legal, or other professional advice.

Just wait till folks discover what @AvenCard has done w sub 100 employees. Doing it w style well before it was a thing. 😉

We're proud to share that Fast Company has recognized us as one of their Most Innovative Companies in finance. Our team has been hard at work building our machine banking platform to rethink how consumer credit is built and delivered. This feature reflects how we've tripled our customer base in the last year, issued more than $3 billion in credit lines and helped homeowners save over $215 million in interest. Read more in Fast Company: fastcompany.com/91497212/fin… Aven Financial, Inc. dba Aven. NMLS # 2042345. aven.com/licenses The Aven Card is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven Accounts are made by Coastal Community Bank, Member FDIC, NMLS #462289. Subject to credit approval. Certain terms and conditions may apply. Visit aven.com for details. Equal Housing Lender.

For the second time, Forbes has picked us as one of the hottest fintech startups of the year. Aven is only one of two companies to be recognized in the Fintech 50’s real estate category this year. We appreciate the recognition and the support of our mission to reduce the cost of capital for consumers. forbes.com/sites/francescawa…

Congratulations to Kevin Warsh on his nomination to be Chair of the Federal Reserve. Having known Kevin for many years as a friend and someone who cares deeply about public service - his deep economic expertise and strong sense of responsibility to others will serve the country well. cnbc.com/amp/2026/01/30/trum…

Last week, we brought together @SadiSKhan, @mvernal, and the top engineers to answer what the road to VP or CTO actually looks like. Check out some of the top moments from the event 👇

Don't miss this week's @uncapped_pod and @vkhosla @rabois on #fintech: 46:36 @khoslaventures track record in financial services 47:01 Why Aven will be the next surprise Stripe 47:38 How the Aven Card works 48:25 What it takes to be an iconic fintech x.com/jaltma/status/20140295…

In what Forbes calls an “unprecedented move,” we’ve taken a stand in the finance industry by helping launch a new federal credit union: Haven FCU. This reflects our deep commitment to reducing the cost of capital for consumers and expanding homeownership. Credit unions put members first and are truly customer-centric financial institutions, closely aligning with Aven’s vision and goals. forbes.com/sites/jeffkauflin…

In an apparently unprecedented move, Sadi Khan, the 40-year-old CEO and cofounder of fintech startup Aven, says he and the company are donating "a few million dollars" to launch a new federal credit union. Read more: forbes.com/sites/jeffkauflin… Photo: Cody Pickens for Forbes