What is Tria? $12 million funding to build a Web3 new bank Visa card for global use.

Tria redefines banking in the Web3 era, described as a new banking and payment infrastructure that is self-custodial, integrating traditional finance with the decentralized world. It is built for both humans and AI agents, with a mission to make crypto finance as seamless as using regular banking applications, while not sacrificing control, privacy, or flexibility. Its Visa card operates in over 150 countries and supports over 1,000 tokens.

What is Tria? The Core Concept of Self-Custodied New Banking

The core of Tria is to empower users with complete self-custody rights over their assets. This means that users can control their own private keys and funds without the need for third-party intermediaries. Tria unifies spending, transactions, and income across multiple blockchains through a single balance, eliminating the complexity of managing wallets, bridges, or Gas fees. It even offers a Visa card, allowing users to spend cryptocurrency in over 150 countries, supporting over 1000 tokens, while keeping control of their assets in hand before making payments.

What makes Tria different from traditional banks and crypto wallets? Traditional banks like Revolut and Monzo simplify fiat finance by masking the legacy complexities, currently managing over $4 trillion in global transactions. However, these new banks are still custodial, with users' funds actually held in accounts controlled by the bank. Web3 furthers this goal by completely eliminating intermediaries, and Tria is the realization of this vision.

Tria is addressing the biggest gap in the cryptocurrency space: actually using it. For the first time, users can spend, trade, and earn money, all from a self-custodied balance, without having to think about gas, bridging, or mnemonic phrases. From having coffee in Tokyo to cross-chain token swaps, Tria enables instant, seamless, and free transactions. Transactions are routed through Tria's BestPath engine to optimize execution, idle assets earn yield, and card balances are automatically repaid.

Three Major Differences Between Tria and Traditional Solutions:

Self-custody vs Bank custody: Users have complete control over their private keys, and assets are always in their own hands.

Cross-chain Unified vs Single-chain Wallet: Manage all blockchain assets with a single balance, no manual bridging required.

Zero gas payment vs complex fees: BestPath automatically optimizes the path, and users do not need to manage gas tokens.

Another key feature of Tria is its capability designed for artificial intelligence agents. By 2030, over 25% of global digital payments (approximately 25 to 30 trillion USD annually) will be executed by artificial intelligence agents. Tria is the missing piece: at the top is a new bank for consumers, and below is a programmable payment infrastructure. AI agents can autonomously execute payments, transactions, and asset management through Tria's API without human intervention.

BestPath AVS Technology Cross-Chain Routing Revolution

Tria's core innovation lies in its BestPath AVS (Active Validation Service), an interoperability layer that utilizes solvers and relay markets for cross-chain routing of transactions. The system automatically identifies the most efficient and cost-effective transaction paths, enabling real-time processing of cross-chain payments and exchanges. BestPath has integrated with over 70 protocols, including Polygon, Arbitrum, and Injective, serving more than 250,000 users globally.

BestPath AVS is a decentralized settlement market where solvers, routers, and relayers compete for cross-chain instant routing transactions. This competitive mechanism ensures that users always receive the optimal execution price and the fastest transaction speed. Unlike traditional cross-chain bridges that require users to manually select paths, pay gas fees, and wait for confirmations, BestPath abstracts all these complexities, allowing users to complete cross-chain transactions with just one click.

From a technical architecture perspective, BestPath AVS adopts a modular design. The solver is responsible for calculating the optimal path, the relay is responsible for executing cross-chain messaging, and the validators ensure the correctness and finality of transactions. This division of labor allows the system to handle large-scale concurrent transactions while maintaining decentralization and security. BestPath routes payments and transactions for over 250,000 users, used by 70+ protocols and AI ecosystems such as Polygon, Arbitrum, Sentient, and Injective, demonstrating its technical reliability and market recognition.

Billions Collaboration Introduces Zero-Knowledge KYC Revolution

Billions and Tria are proud to announce a strategic partnership to bring zk-KYC into real-world applications. Billions brings 2.2 million verified users, battle-tested zero-knowledge infrastructure, and experience collaborating with HSBC, Sony Bank, and governments worldwide. Tria brings borderless Web3 banking, self-custody accounts, AI-optimized trading, and Visa cards usable anywhere.

zk-KYC is a cryptographic identity solution that allows users to verify key attributes (age, jurisdiction, source of funds) without disclosing potential personal data. Traditional KYC requires uploading passports and company-stored data, which carries the risk of data breaches. zk-KYC, in conjunction with Billions, scans the passport once, generates cryptographic proof, and only shares the necessary information (“User is 18+”, “User is not from a sanctioned country”), with the original data never leaving the user's device.

This is non-custodial verification, uncompromising compliance. Because billions of certificates can be reused across chains and devices, you only need to complete zk-KYC once to use it anywhere, from decentralized finance rounds to Web3 banking to token airdrops. This portable identity infrastructure addresses a long-standing pain point for crypto users: every platform requires re-uploading identity documents.

Privacy and compliance are not opposites; they are allies. zk-KYC demonstrates how zero-knowledge tools can meet regulatory expectations while protecting user autonomy. Against the backdrop of regulators pushing for stricter crypto KYC requirements, the collaboration between Tria and Billions offers a win-win solution: users maintain privacy and self-sovereignty, while regulators receive the necessary compliance proof.

$12 million financing with top institutional endorsement

In October 2025, Tria raised $12 million in a pre-seed and strategic round of financing led by P2 Ventures and Aptos, and received support from executives of top Web3 entities such as Polygon, Polychain, Wintermute, and the Ethereum Foundation. Tria was founded in 2023 by Vijit Katta and Parth Bhalla, quickly attracting support from the industry and institutions, including backing from members of the UAE royal family.

The diversity of the investment lineup demonstrates Tria's strategic positioning across multiple ecosystems. Aptos is a high-performance Layer 1 public chain, and its investment suggests that Tria may deeply integrate with the Aptos ecosystem. Polygon, as the leader in Ethereum Layer 2, shows that Tria's cross-chain vision is recognized through its participation. Polychain is one of the most influential venture capitals in the crypto space, and its seed advisory role proves confidence in Tria's long-term value. Wintermute, as a top market maker, may provide assurance for Tria's future token liquidity through its participation.

The Tria team was founded by Parth Bhalla and Vijit Katta, including alumni from companies such as Binance, Polygon, OpenSea, Nethermind, and Intel, and has the support of prominent royal families in the UAE as well as government officials and leaders from the Ethereum Foundation, Polygon, and Wintermute. This cross-industry team background enables Tria to understand the demands of traditional finance while mastering the forefront of blockchain technology.

The company is currently preparing for a public distribution round, allowing its community to own a portion of the new bank itself. This model of community ownership aligns with Tria's decentralized philosophy and also provides early users with the opportunity to participate in the project's growth. Official details are expected to be announced soon through Tria's social channels X and Linktree.

Privacy Blueprint for Large-Scale Adoption of Web3

Stablecoins, RWA, and autonomous agents are rewriting the financial stack. By 2030, on-chain transaction volume is expected to reach $100 trillion, yet 98% of users remain in traditional user experiences. Revolut has unlocked TradFi through design, and Web3 now needs the same thing, but without relinquishing custody. Tria is the missing piece.

The future of finance is self-sovereign, borderless, and user-owned. Tria is not just another crypto banking platform; it is a vision of how finance will operate in a world of self-sovereignty, interoperability, and integration of artificial intelligence. By abstracting the complexities of blockchain and empowering users with full control, it could become the blueprint for the next generation of decentralized financial systems.

In the coming weeks, Billions users will receive future rewards, exclusive cash back offers for Billions cardholders, AMAs led by Tria and Billions, and early access to Tria's expanding financial products, including savings accounts, futures trading, and more.