Tria serves as the routing and execution infrastructure for contemporary finance, launching with a rapidly expanding neobank as its initial reference implementation. It unifies disparate networks, venues, and legacy endpoints into a single system for transferring value.

Acting as an intelligence layer for value movement, Tria eliminates the need for users or developers to manually handle bridges, networks, venues, and settlement routes. Instead, it processes a single intent—such as send, convert, spend, or earn—and manages end-to-end routing to achieve quicker settlement, reduced leakage, and improved reliability. This capability is driven by BestPath.

The consumer neobank demonstrates this layer in a live environment. The user experience of “a great neobank” results directly from the underlying routing and execution technology. Tria has been able to rapidly build a high-utility, fast-scaling neobank because BestPath consistently enhances the underlying execution.

Tria Products and User Flows

The Tria neobank app consolidates common financial activities into a single account interface, orchestrated by BestPath:

• Spend: Crypto credit cards powered by Visa, accessible in over 150 countries, allowing spending from more than 1,000 token balances.
• Trade: Spot swaps and perpetual futures (perps), structured for direct access using a user’s current balances.
• Earn: Yield features based on vaults for users who hold assets over time.
• Prediction markets: Markets based on outcomes, integrated within the trading interface.

In each of these workflows, users state their desired action, and BestPath decides how to carry it out across the foundational rails.

BestPath acts as the routing and execution infrastructure for Tria. It operates as an intent-based system that decides how actions should be executed across different chains and venues, with optimization for speed, cost, and reliability. BestPath supports Tria’s consumer neobank and serves as an interoperable component for developers and institutions requiring best execution across fragmented routes.

The system supports 70+ protocol integrations and is integrated into infrastructure and application stacks such as Polygon Agglayer, Arbitrum, Injective, BitLayer, Sentient, Billions, Merlin, and Morph. AI-focused teams including Sentient, Talus, and Netmind use it. Government pilots are currently underway with the United Nations and the UAE.

In four months of closed beta, Tria surpassed $100M in transaction volume. This includes $30M+ in Tria Card spend and $75M+ routed through BestPath. Users spend at real-life scale, averaging roughly $2,000 per month in card spend as part of everyday behavior.

This traction has led to real business performance. Tria reached $20M ARR in 2025, driven by $84 ARPU. Growth continues to compound, with 250,000+ users on the platform and an affiliate network of 10,000+ partners driving distribution.

Momentum is set to accelerate as Tria expands into new product lines, including Earn, Futures, prediction markets, and travel. These additions aim to deepen usage, increase retention, and create more reasons for users to keep value inside Tria across more of their financial life. At the same time, strong consumer-centric and institutional partnerships are expanding distribution, driving new user inflows, and bringing more transaction volume onto the platform.

Rapid regional expansion has been a major driver. Tria now serves users across 180 countries, turning what is usually a country-by-country rollout into a global product from day one.

Demand on the capital side has been clear. Tria’s Legion sale was oversubscribed 67x in just four days.

Tria expands adoption through ecosystem distribution, product integrations, and platform partnerships, with the Tria Card as one of many surface areas. The broader strategy is to embed Tria’s routing and execution layer across places where value already moves: wallets, apps, chains, communities, and partner platforms. On the card side, Billions is set to distribute Tria Cards to 1.8 million KYC’d users. Additional ecosystems and communities integrating or distributing Tria Cards include 0G, Aethir, Sentient, IOPN, Base, Arbitrum, and Monad.

Beyond the card, Tria is extending the same execution system into high-velocity use cases where routing quality compounds, starting with creator economy flows. That includes payouts, global cash management, and everyday usage where small improvements in fees, reliability, and settlement speed meaningfully improve outcomes for creators and the platforms paying them. In parallel, Tria is expanding consumer product lines that deepen usage across the lifecycle of money, including Earn vaults, Futures trading, prediction markets, and travel.

Tria also maintains a 1M+ community presence with traction in Japan, Korea, China, the United States, and MENA, supporting continued expansion through both consumer-led distribution and partner-led growth.

Tria is built by a 40-person team led by operators who have delivered multiple exits and scaled products used by hundreds of millions of people. Team members have backgrounds at Polygon, LayerZero, Binance, OpenSea, OKX, HubSpot, Yext, Intel, and Nethermind. Tria has raised approximately $15 million, with participation from Polygon and Polychain (as advisors) alongside additional investors and angels.