Tria Raises $12M for Self-Custodial Neobank Serving Humans & AI

The $12 million funding round represents a significant vote of confidence in Tria’s vision to make cryptocurrency truly usable for everyday transactions. The investment includes participation from P2 Ventures, Aptos, Tria’s own community, and executives from Polygon, Ethereum Foundation, Wintermute, Sentient, 0G, Concrete, and Eigen, with Polychain and Polygon serving as pre-seed advisors. This diverse backing underscores the industry’s recognition that while neobanks like Revolut and Monzo have simplified traditional finance by managing over $4 trillion in global transactions, Web3 requires a fundamentally different approach—one that removes intermediaries entirely while maintaining user-friendly experiences.

Tria’s solution addresses what the company identifies as “the biggest gap in crypto: actually using it.” For the first time, users can spend, trade, and earn from a single self-custodial balance without ever thinking about gas fees, cross-chain bridges, or seed phrases. From grabbing coffee in Tokyo to swapping tokens across different blockchain networks, Tria enables instant, seamless, and fee-free transactions through Visa cards that function in over 150 countries and support more than 1,000 different tokens.

At the core of Tria’s infrastructure is its proprietary BestPath AVS technology—a decentralized settlements marketplace where solvers, routers, and relayers compete to route transactions instantly across multiple blockchain networks. This technology represents a significant advancement in cross-chain interoperability, allowing trades to be routed through Tria’s BestPath engine for optimized execution while idle assets automatically earn yield that repays card balances.

The scale of BestPath’s current adoption demonstrates its market validation: the technology already routes payments and trades for over 250,000 users and is used by more than 70 protocols and AI ecosystems including Polygon, Arbitrum, Sentient, and Injective. This existing infrastructure provides Tria with a substantial head start in building what could become the foundational payments layer for the next generation of financial applications.

Tria’s timing coincides with projections that by 2030, over 25% of global digital payments—representing approximately $25-30 trillion annually—will be executed by autonomous AI agents. This massive shift in financial behavior creates an urgent need for infrastructure that can support both human and machine-driven transactions. Tria positions itself as that missing piece: a consumer neobank interface on top of programmable payments infrastructure underneath.

The company’s focus on serving both humans and AI agents aligns with broader industry trends where stablecoins, real-world assets (RWAs), and autonomous agents are rewriting the traditional financial stack. With on-chain volume projected to reach $100 trillion by 2030, yet 98% of users still stuck in legacy user experiences, Tria aims to do for Web3 what Revolut accomplished for traditional finance—unlocking accessibility through superior design without requiring users to sacrifice custody of their assets.

Founded by Parth Bhalla and Vijit Katta, Tria has assembled a team with deep industry expertise from leading organizations including Binance, Polygon, OpenSea, Nethermind, and Intel. The company’s backing extends beyond traditional venture capital to include prominent UAE Royal Family and government officials, as well as leaders from Ethereum Foundation, Polygon, and Wintermute—providing both financial support and strategic guidance.

In a move that underscores its commitment to building with the community rather than just for it, Tria is preparing a public allocation round that would give users the opportunity to own a stake in the neobank they use. This approach represents a significant departure from traditional banking models and aligns with Web3 principles of user ownership and community governance. Official details about this public offering are expected to be announced soon through Tria’s social channels on X and Linktree.