Avici (AVICI) is a project designed to fill exactly this gap, aiming to become the true “crypto neobank” of the internet era. Avici is building a next-generation financial infrastructure supported by smart contracts, bringing fiat and crypto under a single roof while giving users full ownership of their assets.
In short, Avici is not trying to “rethink” banking — it’s trying to rebuild it from scratch.

What Is Avici? What Does It Aim For?

The goal of Avici DAO is to combine Bitcoin’s ideal of “money independent from central authorities” with the needs of modern finance.

Although Bitcoin is now a global asset class exceeding a trillion dollars, it still isn’t used as a fully decentralized bank in everyday life. Even though stablecoins have millions of users, traditional institutions are still needed for areas such as credit, mortgages, and business financing.

Long-term goals include:

• Enabling millions of businesses to accept stablecoins

• Developing an on-chain credit infrastructure

• Bringing identity verification and credit scoring onto the blockchain

• Reducing the influence of central banks

• Creating an ecosystem where people can fully sustain their lives with on-chain assets

For this reason, the company is starting with a credit card and internet banking infrastructure that allows users to easily spend with crypto, and then aims to expand this system to larger financial products such as loans, borrowing, and mortgages.

Products and Ecosystem

The project rebuilds many services offered by traditional banks with an internet-native and self-custody approach. The main products offered by the platform are:

1. Avici Credit Cards (Visa Supported)

The company provides Visa credit cards issued by Rain to its users. These cards stand out as one of the easiest ways to convert crypto assets into spending.

Key features:

• Spend with crypto, no sale required

• Apple Pay and Google Pay integration (Tap to Pay)

• Physical card option

• Full self-custody model

• Zero transaction limits

• Easy verification and high security

When a user deposits USDC into the card, collateral is created in a smart contract, and the card issues a USD credit limit against it. When spending occurs, the corresponding amount is automatically sent from the smart contract to Visa.

The card infrastructure is designed to be entirely self-custody. This means Avici, Rain, or Visa do not control user funds; they only process the spending transaction according to the smart contract.

2. Avici Virtual Bank: USD and EUR Virtual Bank Accounts

USD and EUR accounts that function like traditional bank accounts are available within the Avici app.

Through these accounts, users can:

• Receive fiat transfers such as salaries, freelance payments, or wire transfers

• Have incoming fiat automatically converted into USDC

• Then use it within the Avici wallet

This feature enables crypto users to perform on-ramps without relying on banks for the fiat side. Avici also plans to activate these accounts for off-ramps soon.

3. Avici Smart Wallet: Smart Contract Wallet

The Avici Wallet is a smart wallet created using Zerodev. There is no traditional seed phrase; security is ensured through social login, biometric approval, and passkey mechanisms.

Key features of the wallet:

• Smart contract-based security

• No seed phrase, no risk of loss

• Multi-factor authentication

• Social recovery mechanism

• Supports Solana and EVM networks

• Avici’s own gas sponsor relayer

Gas fees on EVM are covered by Avici, except on the Ethereum mainnet. On Solana, users get 5 free transfers per day.

4. Avici Earn and Upcoming Products

Avici aims to expand its credit and borrowing infrastructure. In the future, the platform plans to offer:

• On-chain credit scores

• Mortgage-type long-term loans

• Global credit marketplace

• Privacy-focused on-chain transactions

These will provide users with advanced financial products.

How Do Avici Credit Cards Work?

The system is quite simple and completely transparent:

1. The user deposits USDC.

2. This USDC is locked into a smart contract called Loan Escrow.

3. A USD credit limit is created equivalent to the deposited amount.

4. When the user spends, the card balance decreases.

5. An equivalent amount of USDC is transferred from the smart contract to Visa.

Avici or any other institution does not have ownership rights over this collateral; only the amount spent can be withdrawn.

The card can be used at more than 100 million merchants that accept Visa.

Avici (AVICI) Tokenomics

Avici’s total token supply is set at 12.9 million AVICI.

Distribution:

• 10 million AVICI – ICO (77.5%)

• 2.9 million AVICI – Liquidity (22.5%)

• 0 – Team allocation (may be determined later by community decision)

Liquidity distribution:

• 2 million tokens – Futarchy AMM

• 900,000 tokens – Meteora Pool

The project team prefers long-term incentives to be determined by the community.

Official Links

• Website
• X (Twitter)
• Whitepaper

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What is Creditlink (CDL)?

Creditlink (CDL) pioneers next-generation on-chain credit and reputation infrastructure. Through ChainProof, OnchainMind, CredScore, and CredVault, it analyzes wallet behavior to enable credit-based DeFi, governance, and airdrops. With a 2025 roadmap targeting ChainProof launch and 300,000+ users, Creditlink drives trust and value in Web3.

Creditlink addresses the challenges posed by the lack of standardized identity and credit scoring in the Web3 ecosystem. As on-chain user data grows, DeFi and DAOs often rely on over-collateralization or off-chain identity checks, stifling innovation. Creditlink establishes an AI-powered on-chain credit scoring system that:

• Analyzes multi-chain wallet behaviors.

• Generates AI-driven credit scores and reports.

• Powers various credit-based applications.

Core Modules:

• On-Chain Data Engine: Collects historical transaction data, asset compositions, and protocol interactions from Ethereum, Polygon, BNB Chain, Solana, and more.

• AI Credit Scoring Model: Uses machine learning to produce multidimensional scores: Asset Strength, Behavioral Credit, and Risk Coefficient.

• Credit-Based Applications: Meets data needs for retail investors and institutions.

Purpose of Creditlink (CDL)

Creditlink aims to build a smart infrastructure for on-chain credit and reputation. It offers modular tools for behavioral analysis, AI credit scoring, and staking-based rewards, empowering protocols, DAOs, and developers to unlock the full potential of blockchain-native identities.

Products:

• ChainProof: A multi-chain address intelligence database aggregating wallet activity, identity signals, and behavioral patterns.

• OnchainMind: A behavioral analytics engine using AI clustering and graph models to interpret wallet interactions across contracts and protocols.

• CredScore: An AI-driven reputation scoring system evaluating asset value, behavioral credit, and risk coefficient.

• CredVault: A staking and reward platform where reputation scores enhance staking benefits, fostering a cycle of positive behavior.

How Does Creditlink (CDL) Work?

Creditlink leverages on-chain analytics to interpret wallet behavior. Its Smart Analysis evaluates wallet value and creditworthiness, while Batch Analysis filters Sybil addresses for airdrop targeting.

Use Cases:

• Token Airdrops: Sybil detection, analyzing up to 3,000 wallets per batch.

• Project Investment/IDO: On-chain trading audits and smart money detection.

• On-Chain Governance: Multidimensional profiling and risk signal alerts.

• On-Chain Finance/Lending: Credit evaluation and risk profiling.

2025 Roadmap:

• Q2: Official website launch, cross-chain data aggregation beta, Sybil labeling, 30,000+ users, Token Generation Event (TGE).

• Q3: ChainProof launch, OnchainMind deployment, Credit-to-Earn model, 150,000+ users, CSL token listing.

• Q4: CredScore development, API access with PDF report exports, CredVault launch, 300,000+ users.

Creditlink (CDL) Use Cases

Creditlink provides on-chain intelligence for Web3 projects and users:

• Airdrop Targeting: Sybil filtering and high-value wallet identification.

• Investment/IDO: On-chain audits and smart money tracking.

• Governance: Fair voting and Sybil resistance.

• DeFi: Credit-based lending and risk analysis.

Usage Steps:

1. Visit the Creditlink website and connect a wallet.

2. Use Address Analysis to obtain wallet scores.

3. Perform batch filtering with Batch Analysis.

4. Integrate via API for advanced functionality.

Advantages of Creditlink (CDL)

• Transparency: On-chain behavioral analysis.

• Security: Sybil and risk detection.

• Efficiency: AI scoring and batch analytics.

• Inclusivity: Credit-driven DeFi solutions.

Creditlink (CDL) Tokenomics

$CDL operates on BNB Chain with a fixed total supply of 1,000,000,000.

• Allocation:

  • Credit-to-Earn: 35%

  • Venture Capital: 15%

  • Team: 15%

  • Treasury: 2%

  • Staking: 8%

  • Airdrop: 2%

  • Liquidity: 8%

  • Pre-Sale: 15%

Utilities: Access (premium features), Incentives (community contributions), Governance (1 Token = 1 Vote), Reputation/Staking (score weight), Ecosystem Integration (dApps).

Creditlink (CDL) Team

The Creditlink team is dedicated to building modular infrastructure for Web3 reputation and intelligence.

Official Links

• Website
• X (Twitter)
• Whitepaper

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The report highlights that crypto cardholders exhibit spending behavior similar to traditional bank card users but adopt online payments at a significantly faster rate. While the European Central Bank reports that only 21% of card payments in the eurozone are made online, CEX.IO users already conduct 40% of their transactions digitally.

Everyday Use of Crypto Cards on the Rise

CEX.IO data reveals that 59% of crypto card spending goes to groceries, and 19% is spent on restaurants and bars — both figures surpassing ECB benchmarks. The average transaction value for crypto cards stands at €23.7, compared to €33.6 for bank cards, indicating crypto cards are preferred for small, day-to-day purchases.

Alexandr Kerya, Vice President of Product Management at CEX.IO, commented: “Crypto users in Europe are not just experimenting with new tech — they’re showing us what a cashless future could actually look like.”

Stablecoins account for 73% of crypto card transactions, with the rest split between major cryptocurrencies like Bitcoin, Ethereum, Litecoin, and Solana — used across groceries, dining, and transport.

Similar Trends on Other Platforms

Other companies, including Oobit and Crypto.com, have also reported strong demand in Europe for crypto cards used for everyday essentials and online shopping.

Barclays Bans Credit Card Crypto Purchases

Despite growing adoption, Barclays recently announced a ban on crypto purchases via its Barclaycard credit cards, citing concerns over volatility and lack of consumer protections.

The bank emphasized that crypto transactions offer no recourse through the Financial Ombudsman Service or Compensation Schemes, leaving customers exposed to potential risks.

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