This neobank wants to redefine onchain finance

In just three months, Tria, a self-serving neobank built on BestPath AVS, has processed $20 million in onchain volume, outpacing early competitors by 13x.

With over 50,000 users and seamless cross-chain payments, CEO Vijit Katta shares how Tria is reimagining digital asset banking and paving the way for a frictionless, user-controlled financial future.

Tria handled $20 million in onchain volume during closed beta – 13x more than EtherFi’s chart during the same period. What drives such unusually strong early adoption in the real world?

Katta: Simplicity and breadth are the two biggest drivers. Most crypto cards still force users into narrow spending paths or complex account structures that limit day-to-day usefulness. Tria is built for everyday spending at scale. You can top up your credits with more than 1,000 credits, maintain complete self-control and use them in more than 150 countries where Visa or Mastercard is accepted. It behaves like a true global banking card, and not a crypto solution.

On November 19, you reached your first daily spend of $1 million. Did organic user behavior reach this milestone, or did a specific event push Tria over the threshold?

Katta: It was a combination of organic growth and purposeful activation. Usage steadily increased as more Tria users created their daily card. We also ran targeted value-added campaigns for cardholders. During the holiday shopping season we launched Tria Treasure, where one purchase per day could be refunded. It was a simple way to reward early adopters, and it significantly accelerated both activity and retention.

Why do you think consumers are suddenly ready to use onchain assets for real-world purchases?

Katta: Because the experience finally feels normal. People don’t want to manage bridges, gas or chain switching just to buy something in the real world. Tria allows users to top up and spend, and BestPath handles cross-chain execution in the background. When you remove operational friction, onchain assets stop feeling like something you’re holding and start feeling like something you can use. Costs that are often lower than traditional cards make that decision even easier.

You control automatic execution across the chain without bridges, throttle prompts, or UX friction, while maintaining complete self-control. What was the most challenging part of building that?

Katta: The hardest part was delivering reliability at the payment level while coordinating the very complex cross-chain execution behind the scenes. Converting a single user action into a seamless, bridge-free, gas-free execution across fragmented ecosystems is not just a technical challenge; it is an economic, security and coordination challenge.

Each chain has its own idiosyncrasies: different end times, reimbursement models, liquidity shortages and failure modes. It was incredibly difficult to wipe all of that away while still having the right to self-determination. Most systems break down when they have to deal with multiple chains in one flow. We had to build Tria to thrive in that environment. BestPath solves this by pre-calculating optimal routes and creating a permissionless solver marketplace. PathFinders compete using relayers, liquidity routers, and fast finality layers, ranking routes in real time based on cost, speed, and reliability. To keep it completely self-managing while enabling multi-step automation, we built onchain permissions and TSS-based execution so that users never encounter bridges, gas, or token approvals.

That’s what makes Tria feel simple at first glance – even though under the hood it solves some of the toughest problems in Web3.

Self-control has historically been intimidating for regular users. How does Tria ensure that self-custodial banking feels as simple and secure as a traditional neobank?

Katta: We designed Tria to feel primarily like a modern banking app, not a Web3 product. The difference is that the user remains in control. You hold the keys, you can move your belongings at any time, and you’re never tied to one platform. Tria is the interface that makes self-management practical, allowing users to spend, earn and trade money in a simple way, while keeping ownership and decision-making with the user.

Tria’s more than 50,000 users and 5,000 ambassadors are unusually involved with a product so early. What have you learned about the user behavior that drives this engagement?

Katta: People have wanted real-world utility for onchain assets for years, but the products have been too clunky or too custodial. When you give users something that is truly simple, transparent and puts them in control, they not only try it, they adopt it. The ambassadors are not engaged because of hype, they are engaged because the product creates daily habits and gives them something worth sharing. Our ambassadors promote Tria because they understand the full vision and know it’s just the beginning.

Your recent round saw $66.7 million in commitments for a modest $1 million allocation with over 4,500 applicants. What does this level of oversubscription say about the direction of Oncha funding?

Katta: It’s a signal that the market is shifting toward utilities. Stablecoins have proven to be a good product market fit, but users and investors want more than a stablecoin wallet. They want a financial product that allows them to maintain their exposure, take control and spend, trade and earn everything in one place. That’s what we’re building, and the level of demand reflects how ready the market is for on-chain financing that actually works for consumers.

What makes Tria fundamentally different from previous crypto cards and neobanks – from Coinbase Card to Wirex and EtherFi’s product?

Katta: Tria is not just a crypto card. It is a completely self-sustaining execution layer – not bolted to a wallet or limited to a single ecosystem, but designed from the ground up to convert onchain assets into real purchasing power. While others need bridging, trading, or giving up custody, Tria’s BestPath captures it all. It intelligently routes cross-chain transactions in the background, so users can tap and pay like any traditional card: no gas fees, no friction, no compromise on control.

But what really sets Tria apart is what’s under the hood. We’re not just building a neobank – we’ve built the infrastructure underneath it. BestPath and CoreSDKs form a programmable, chain-agnostic foundation that powers everything from payments and commerce to revenue, lending and more. This is what makes Tria scalable, composable, and fundamentally different: a self-custodial financial operating system, built on an infrastructure that no other crypto card or neobank has.

How do you plan to scale globally while keeping users in full control of their assets and avoiding traditional custody models?

Katta: We scale by keeping the product consistent and reliable while adapting the rails to each market. Spending habits and regulations vary, but the core question is universal: people want global access with control. We will continue to expand country by country as quickly as possible, while maintaining the same self-custody guarantees and user experience standards. In fact, we’re launching three new countries this week: Argentina, Great Britain and Nigeria.

Your early reporting suggests that onchain banking could finally become a real, mainstream category. What does this mean for the future of consumer finance over the next five years?

Katta: It means that the standard financial experience will become more open, programmable and significantly cheaper. Onchain rails can reduce friction and costs, increase access to yield and global markets, and give users more direct ownership of their money. We believe that over the next five years, Tria will be the leading online consumer finance platform where everyone can save, trade, spend and borrow, not just crypto residents.