Tria offers a self-custodial neobank experience on the surface, while providing an interoperable payment and execution infrastructure built for modern finance in the background. It delivers a “single app – single account” experience for users, while creating a system that enables the most efficient cross-chain execution for developers and AI agents.

What Does Tria Aim to Achieve?

Tria is a fully self-custodial neobank and cross-chain payment infrastructure that combines spend, trade, and earn functions under a single primitive.

On the user side, Tria provides an experience as simple as a traditional digital bank. However, the underlying structure is completely different from classic banks:

• No gas fees
• No seed phrase requirement
• Chain-agnostic
• Full self-custody
• No bridge usage required

Tria eliminates the need for users or developers to think about which chain, which exchange, or which liquidity pool to use. The user simply states their intent: send, spend, convert, earn. Tria automatically handles the rest of the execution process.

Tria Vision

What sets Tria apart from an ordinary neobank is that it is fundamentally a routing and execution layer.

Today, financial transactions are scattered across:

• Multiple blockchains
• Different virtual machines (VMs)
• Various DEXs and CEXs
• Bridges
• Legacy financial infrastructures

Tria aims to make this fragmented structure function as a single system.

Thanks to this structure, Tria automatically selects:

• The fastest path
• The lowest-cost route
• The most reliable execution

Users or developers never have to deal with this complexity.

What is BestPath?

BestPath is the routing and execution infrastructure at the heart of the project.

BestPath is an intent-based system. It operates not on “how to do it,” but on “what is intended to be done.” For example:

• “Send USDC”
• “Convert to ETH”
• “Spend”
• “Earn yield”

A simple command like these is executed by BestPath in the most efficient way across chains, liquidity sources, and execution layers.

How Does BestPath Work?

BestPath operates as a permissionless interoperability marketplace. In this system:

• PathFinders
• Solvers
• Relayers
• Liquidity routers
• Fast finality layers

compete with each other within a micro-market. The goal is to fulfill the user’s intent:

• At the lowest cost
• In the shortest time
• With the highest security

Strategies are ranked based on cost, speed, and security criteria, and the best execution is automatically selected. The entire process occurs gas-free and bridge-free.

What Does Tria Offer?

1. Spend Tria offers Visa-supported crypto cards usable in over 150 countries. Users can:

• Spend from balances of more than 1,000 tokens
• Make payments without having to sell their assets
• Avoid liquidation risk

All these operations are performed while preserving the self-custodial structure.

2. Trade Through Tria:

• Spot token swaps
• Perpetual futures (perps) trading

can be done directly from existing balances. Users do not need to move funds to different exchanges.

3. Earn Tria offers vault-based yield products. Users can park their assets to earn:

• Transparent
• On-chain
• Directly reflected in balances

yield.

4. Prediction Markets Outcome-based prediction markets are integrated with the trading experience.

Tria for Developers and AI

Tria is not only targeting individual users. It also serves as an infrastructure component that provides the best execution for:

• Developers
• Institutions
• AI agents

BestPath is integrated with many ecosystems including Polygon AggLayer, Arbitrum, Injective, BitLayer, Merlin, Morph. It is also actively used by AI-focused teams such as Sentient, Talus, and Netmind.

Government pilot programs conducted with the United Nations and the UAE also demonstrate that the infrastructure has been tested at an institutional level.

Tria Growth Data and Traction

In its closed beta phase within just 4 months, Tria achieved:

• Over $100 million in transaction volume
• More than $30 million of that from card spending
• Over $75 million routed through BestPath

Users are spending an average of $2,000 per month on cards, showing that the product is actively used in daily life.

Financial Performance

• As of 2025, $20 million ARR
• $84 ARPU
• 250,000+ users
• Affiliate network of 10,000+ partners

Tria has active users in 180 countries, completely bypassing the classic “country-by-country rollout” model.

Investors and Funding

Project has raised approximately $12 million to date.

Notable Investors

• Sandeep Nailwal (Polygon founder) – Angel investor
• P2 Ventures (Polygon Ventures) – VC
• Aptos – Institutional investor

Additionally, many experienced angel investors supported the project in the early stages. The Legion sale receiving 67x oversubscription clearly demonstrates the scale of investor interest.

Tria Team

Tria is being built by a team that has previously developed large-scale products and achieved exits. Team members come from Polygon, LayerZero, Binance, OpenSea, OKX, Intel, and Nethermind.

Tria is led by founders experienced in finance and blockchain infrastructure. The team has a strong background in both consumer products and deep infrastructure development.

• Vijit Katta – Co-founder & CEO
• Parth Bhalla – Co-founder

Official Links

• Website
• X (Twitter)

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The platform’s core goal is to place stablecoins at the center of daily workflows, simplifying “last-mile” financial operations and providing businesses with a borderless financial freedom space.

What is AllScale?

AllScale is built on the idea that the future of finance should be borderless, instant, and inclusive. Unlike traditional banking, it offers an infrastructure that can operate globally without the need for physical branches, lengthy application processes, or complex integrations.

The platform is specifically designed for:

• Micro businesses
• Freelancers
• Remote working teams
• Digital content creators
• Startups serving global customers

Self-Custody Neobank Approach

One of AllScale’s most distinctive features is its self-custody (where control of assets remains with the user) neobank model. Users can:

• Create a global dollar account in seconds
• Avoid the need to store a seed phrase (mnemonic)
• Manage their assets with security layers like 2FA while keeping private keys under their control

This structure creates a strong alternative for users who want to avoid the risks of centralized exchanges as well as those with limited access to traditional banking.

Why Does AllScale Use Stablecoins?

AllScale’s entire infrastructure is built on stablecoins. The main reasons for this are:

1. Instant and Low-Cost Payments With stablecoins, payments are completed in seconds. Bank transfers, correspondent banks, and high transaction fees are eliminated.
2. Value Stability USD-pegged 1:1 stablecoins protect businesses’ value against currency fluctuations. This eliminates uncertainty in cross-border trade.
3. Access for Unbanked and Underbanked Users Only an internet connection is required. Even users without a bank account can join the AllScale ecosystem.
4. Automation and AI-Compatible Infrastructure The stablecoin-based structure is designed to be compatible with machine-to-machine payments, smart contracts, and AI agents.

AllScale Products and Modules

AllScale offers a modular structure that covers different business needs.

What is AllScale Pay?

AllScale Pay is an all-in-one payment and revenue management panel developed for individuals and businesses. Through this panel, users can:

• Create invoices
• Receive payments in stablecoins
• Track income and balances on a single screen
• Create a social commerce profile
• Withdraw funds to crypto wallets

AllScale Pay offers a strong alternative to traditional payment systems, especially for freelancers and digital service providers working globally.

Wallet Module

AllScale Wallet is at the center of the platform, and all other modules operate through this structure.

Wallet Features:

• Non-custodial structure
• Support for multiple stablecoins such as USDT and USDC
• Real-time USD equivalent display
• On-chain deposits and withdrawals
• Detailed transaction history

All funds from invoices, social commerce, or direct payments are collected in this wallet.

Invoicing System

AllScale’s invoicing system is specially developed for stablecoin-focused workflows.

How It Works:

• The user creates an invoice by entering the recipient’s email address and amount
• The system automatically sends the invoice
• The recipient can make payment even without an AllScale account
• The payment arrives in the AllScale balance as stablecoin

Key Features:

• Invoicing with USDT / USDC
• No registration required for external users
• PDF invoice support
• Various payment options such as card, wallet, or wire
• Detailed payment tracking

Social Commerce

Social Commerce is one of AllScale’s most notable modules.

With this feature, users can:

• Create a public profile
• List their services
• Receive orders and payments through a single link
• Turn social media followers into customers

Direct sales can be made through AllScale without coding or external platforms.

AllScale Payroll

AllScale Payroll offers stablecoin-based payroll management for global teams.

Payroll Features:

• Support for salaried employees and contractors
• Global payroll management
• Instant payments with stablecoins
• Adding/removing employees
• Payroll cycle tracking
• Approval and reporting processes

This system provides a significant advantage especially for Web3 and global startups with remote teams.

Regulation and Security Approach

AllScale places regulatory compliance at the core of the platform.

• Automatic KYC and KYB
• On-chain KYT (wallet and token controls)
• Compliance with global AML standards
• Integrated structure with current regulatory frameworks

This way, users can minimize regulatory risks while using stablecoins.

AllScale Investors

AllScale has raised $6.5 million in funding to date. The platform has received support from various investor groups.

Notable Investors:

• YZi Labs (formerly Binance Labs)
• Amber Group
• KuCoin Ventures
• Draper Dragon
• Aptos
• Generative Ventures
• y2z Ventures
• Cyberport Hong Kong

This investor profile demonstrates AllScale’s positioning in both the Web3 and institutional finance worlds.

AllScale Team

AllScale is managed by experienced founders from different fields:

• Shawn Pang – Co-Founder & CEO
• Ruoyang Wang (Leo) – Co-Founder & COO
• Alisha Li – Co-Founder & CMO
• Khalil Lin – Co-Founder

The team consists of experienced professionals in fintech, crypto, and payment systems.

Official Links

• Website
• X (Twitter)
• Whitepaper

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Core Product 

WeFi’s core products include its permissioned blockchain, WeChain, and the WFI token. The ecosystem provides a comprehensive infrastructure for users and financial institutions, featuring neobanks, remittance kiosks, stablecoin solutions, KYC platforms, and AI-powered financial analytics tools. 

Founders, Team & Partners 

WeFi’s founding team includes experienced professionals: 

• Reeve Collins – Former CEO, Tether 
• Maksym Sakharov – Exflow former CEO, WeFi Group CEO 
• Roman Rossov – Former Product Director, Wise 
• Farkhad Shagulyamov – Former CEO, Velas 

The board includes Yusuf Mirakhmedov (Former COO, Tradeleaf) and Khaled Suleiman (Former CEO, Abu Dhabi National Bank). Investors are focused on crypto and fintech venture capital, while partners include Visa, BingX, and other fintech firms. WeFi’s blockchain is built on the Cosmos SDK. 

Vision and Mission 

Vision: Enable every individual to achieve financial freedom through a secure and fair system. Mission: 

• Modernize traditional banking 
• Prevent financial crimes via decentralized networks and AI 
• Provide infrastructure compliant with local and global regulations 
• Build a sustainable ecosystem for users and businesses 

How WeFi Works 

WeChain 

• WeFi’s WeChain blockchain is built on Cosmos SDK, offering L1/L2 solutions tailored for financial services: 
• Decentralized validation via validator and node networks 
• AI and ITO (Initial Technology Offering) nodes for proactive risk analysis 
• Data control and revenue models for businesses and users 

ITO Platform 

• The ITO platform enables users and companies to join the WeFi ecosystem: 
• Users buy ITO tokens and participate in WFI token mining 
• Engagement via tasks, staking, and referral programs 
• Fair token distribution rewarding early adopters 

Neobank & Remittance 

• Physical and virtual crypto cards 
• Fast transfers in fiat and crypto 
• User-focused loyalty programs and WFI incentives 

Token Information 

• WFI Token 
• Total Supply: 1,000,000,000 WFI 
• Circulating Supply: 56,780,000 WFI 

Distribution 

• Mining (ITO): 862,068,966 WFI 
• Referral/Staking Rewards: 127,931,034 WFI 
• Exchange Reserve: 10,000,000 WFI 

Token Use Cases 

• Transaction and gas fees 
• Neobank and remittance payments 
• Staking and liquidity pools 
• AI node computing power 
• Access to financial applications and rewards 

Mining & Vesting 

• PoS-based mining
• Duration: 8 years, halving every 2 years
• Vesting: 180 days with daily gradual release

Ecosystem & Products 

• ITO Platform: ito.wechain.ai 
• WeChain Blockchain: wechain.ai 
• Neobank: wefi.co 
• On-chain Kiosk Franchise 
• Mass Adoption Games 

Roadmap 

• 2024 Q2–Q4: ITO platform & Neobank beta, WFI listings 
• 2025 Q1: WeChain development, staking & loyalty programs 
• 2025 General: Mainnet, AI nodes, Cash-Crypto ATMs, local & global rollout 

Strengths 

• Inclusive, user-focused ecosystem 
• AI-powered proactive financial crime solutions 
• Real-world application-driven products 
• Token incentives promoting long-term user engagement 
• Unified solution integrating neobank, remittance, and DApp infrastructure 

Conclusion 

WeFi combines blockchain and AI to redefine financial access and user engagement. With its WFI token and WeChain infrastructure, it offers a sustainable ecosystem for both users and institutions. By aiming for a decentralized, secure, and globally compliant financial system, WeFi bridges traditional finance and DeFi. 

Official Links 

• Website
• Twitter
• Telegram

Also, you can freely share your thoughts and comments about the topic in the comment section. Additionally, please follow us on our Telegram, YouTube and Twitter channels for the latest news and updates.

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