Tria

What Tria does

Tria is a self-custodial crypto neobank that consolidates trading, earning yield, and real-world spending into a single mobile and web app. The platform serves crypto-native self-custody users, freelancers, and people in currency-volatile regions who want to use digital assets at everyday merchants without giving up control of their private keys. As of 2026, Tria reports a 500,000+ user base, $800M+ in trading volume, and card acceptance in 150+ countries.

The technical foundation is BestPath AVS, a proprietary intent marketplace and chain-abstraction routing engine built on EigenLayer AVS that coordinates competing solvers across 70+ protocols and 200+ chains, handling gas abstraction, bridge selection, and settlement in the background. On top of BestPath sits the Tria CoreSDK (a developer toolkit) and the TriAI Framework (an AI intent-execution layer that translates high-level user goals into optimal cross-chain strategies). User and agent wallets use threshold-signature MPC keys secured in Trusted Execution Environments via Lit Protocol. The Tria Card — issued on Visa and Mastercard in Virtual, Signature, and Premium tiers and supporting Apple Pay and Google Pay — draws from the user's self-custodied balance, including a first-of-its-kind self-custodied Bitcoin top-up via non-custodial smart contracts.

Tria monetizes through a mix of card interchange and crypto-to-fiat conversion spread, transaction and trading/perp fees (including on Decibel-powered perpetuals), a spread on Tria Earn yield (marketed up to 15% APY), and subscription fees on Signature and Premium card tiers. Distribution is product-led and self-serve: users download the app, set up a wallet, and immediately access all features, with growth amplified by a referral and ambassador program, content marketing through the Tria Academy blog, and active presence on X, Discord, and Telegram. The company closed a $12M pre-seed and strategic round in October 2025 led by P2 Ventures, with strategic participation from Aptos, Polygon, the Ethereum Foundation, Wintermute, Sentient, 0G, Concrete, and Eigen.

Name

Tria

Legal name

Tria

Website

https://tria.so

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Tria is a self-custodial crypto neobank that unifies trading, yield, and card-based spending of 1,000+ digital assets across 200+ chains for 500,000+ retail users, freelancers, and emerging-market consumers in 150+ countries, built on a proprietary chain-abstraction routing engine.

Ownership category

akta.pro rank

Product category

Self-Custodial Crypto Banking Platform

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSADACAJ

Cross-Chain Wallet & Asset Routing Infrastructure

Financial & Insurance/Crypto & Digital Assets/Custody, Key Management & Wallet Infrastructure

SECONDARYTHALAHAB

Card Issuing & Virtual Cards (lodge cards, single-use, tokenization)

Travel & Hospitality/Travel Technology & Distribution Services/Travel Payments, Fintech & Fraud/Risk (FX, BNPL, Virtual Cards)

SECONDARYFSAGAKAE

Cross-Border Card-Based Transfers & Multi-Currency Cards

Financial & Insurance/Financial Technology (Fintech)/Remittance & Cross-Border Money Movement

SECONDARYFSAMAAAG

Virtual Card & Tokenization Schemes

Financial & Insurance/Payments & Transaction Processing/Card Networks & Schemes

SECONDARYBPAMAFAK

Cross-Border & FX Payments Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

• Self-custodial wallets
• Crypto debit cards
• Cross-chain swaps
• Decentralized finance platform
• Perpetual futures trading

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations

Revenue model

1. Membership Subscription Fees: Tria offers three card membership tiers (Virtual, Signature, Premium). Virtual is $0 (free for a limited time); Signature and Premium carry an undisclosed annual fee and include enhanced cashback, yield, lounge access, and insurance benefits. Recurring annual revenue stream from premium cardholders.
2. Card Interchange & Conversion Spread: Tria earns from card interchange and the spread on crypto-to-fiat conversion at the point of sale via the Visa card program. Card top-ups from 1,000+ supported tokens are converted to fiat at the moment of purchase, with 0% Tria FX fees (1% Visa FX fees) on the Virtual tier.
3. Trading & Perpetual Futures Fees: Tria charges trading fees on spot swaps and perpetual futures (powered by Decibel, Hyperliquid). Referral program explicitly mentions Tria futures fees, indicating a percentage take rate on volume routed through the platform.
4. Cross-Chain Swap & Routing Fees: BestPath-powered cross-chain swaps and payment routing across 200+ chains and 70+ protocols — Tria monetizes a portion of solver/swap economics.
5. Yield Spread from On-Chain Strategies: Tria offers up to 15% APY on Tria Earn (audited, on-chain, self-custodial strategies). The platform retains a spread between strategy gross yield and the rate paid to users.

Pricing tiers

Go-to-market motion5 records

Distribution channels1 record

Marketing channels7 records

Core offering

Tria operates a self-custodial neofinance super-app that unifies cross-chain trading, yield earning, and real-world spending through a single user-controlled wallet. The Tria Card (Virtual, Signature, Premium) draws from 1,000+ digital assets at point of sale on Visa and Mastercard rails across 150+ countries, while BestPath AVS routes swaps and payments across 200+ chains and 70+ protocols without manual bridging. The platform also exposes a developer stack (CoreSDK and TriAI Framework) for AI-agent wallets and cross-chain payment applications.

Product overview

Tria offers a single, unified self-custodial neofinance platform composed of a core mobile app (Tria Mobile App) and a modular suite of products. The Tria Card (Virtual, Signature, Premium) handles spending on Visa and Mastercard rails, including Apple Pay and Google Pay. Money movement is supported by Tria Swap (cross-chain swaps), Tria On/Off Ramp, and a US Bank Account feature, while Tria Earn and Tria Futures (self-custodial perpetuals via Decibel) cover earning and trading. BestPath AVS acts as the cross-chain routing infrastructure, and Tria CoreSDK plus the TriAI Framework expose agentic, intent-based execution to developers. Engagement and retention are driven by Tria Rewards (Points and Mystery Boxes), Tria Travel (cashback travel), Tria FC (World Cup predictions), and the Tria Ambassadors Program, all anchored by the TRIA Token.

Differentiator

Problem solved

Functional benefit

Brands

• Tria Card: Self-custodial Visa debit card (Virtual, Signature, and Premium tiers) that draws from the user's Tria balance to spend 1,000+ crypto assets at 130M+ merchants in 150+ countries, with up to 6% cashback paid in stablecoins.
• Tria Earn

Products and services

• Tria Mobile App Self-custodial neofinance super-app for iOS/Android that unifies spending, cross-chain trading, yield earning, and AI-agent execution under a single user-controlled key. Targets crypto-native consumers, freelancers, and traders.
• Tria Card (Virtual, Signature, Premium) Crypto-native debit card issued on the Visa and Mastercard networks in three tiers (Virtual free, Signature, Premium), supporting Apple Pay and Google Pay. Card is provisioned in-app and draws from the user's Tria self-custodial balance to spend 1,000+ digital assets at 130M+ merchants across 150+ countries.
• Tria Earn Yield product that lets users earn up to 15% APY on idle assets directly inside the Tria app via audited, self-custodial on-chain strategies. Available across card tiers with APY scaled by membership level.
• Tria Swap Cross-chain swap engine that lets users exchange tokens across 200+ supported blockchains without external bridges or custodians. Routes are automatically optimized via BestPath AVS with gas abstraction.
• Tria Futures (Self-Custodial Perpetual Futures) Self-custodial perpetual futures trading experience inside the Tria app, powered by integration with the Decibel perpetuals DEX (and Hyperliquid). Users place, match, and settle perpetual trades from a single self-custodial account with cross-chain collateral and no bridging or multiple wallets.
• Tria Rewards Loyalty and engagement system offering Tria Points, tiered referral revenue share (Bronze/Silver/Gold), cashback distributed in USDT/stablecoins, and Mystery Boxes with Tria Equity allocations.
• Tria Travel Travel booking feature inside the Tria app offering up to 30% cashback on hotels, flights, concerts, cruises, and VIP experiences with no monthly cap on travel spend.
• Tria FC (World Cup Prediction Game)

Quantifiable outcome

• 500,000+ users on the platform (per tria.so homepage)
• +7 more outcomes

Segments7 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability9 records

Feature7 records

Partnerships

16 partnerships are on record, tiered major — ecosystem partner., flagship — deeply embedded product integration., flagship — card-network infrastructure., major — alternative card-network rail., core — mobile wallet integration., partner — ai-agent ecosystem alignment., partner — ecosystem alignment., partner — chain integration., core — cryptographic infrastructure., major — perpetuals venue integration., partner — exchange liquidity for the tria token. and partner — exchange listing for the tria token..

• Arbitrum (Arbitrum Orbit)major — ecosystem partner.Technology or Integration · 15 September 2024Arbitrum and Tria have a live integration; Arbitrum Orbit is connected to Tria's BestPath AVS for cross-chain execution. Arbitrum is featured as a Tria partner on the overview page.
• Decibelflagship — deeply embedded product integration.Strategic or Co-development PartnerDecibel's fully onchain perpetuals DEX is embedded directly inside the Tria app (live integration announced April 21, 2026). Tria users can place, match, and settle perpetual trades from a single self-custodial account with no bridging or multiple wallets. Decibel processes 1M+ trades/day on testnet. Co-marketing with the Decibel Foundation via X Space.
• Visaflagship — card-network infrastructure.Technology or IntegrationVisa is the card-network partner powering the Tria Card (Virtual, Signature, Premium). Acceptance spans 130M+ merchants in 150+ countries, with 0% Tria FX fees on Virtual and 1% Visa FX fees. Visa Luxury Hotel Collection and Visa Airport Companion perks on Premium.
• Mastercardmajor — alternative card-network rail.Technology or IntegrationMastercard is also supported as a payment rail alongside Visa, referenced in the context of the self-custodied Bitcoin top-up feature (Tria's card supports spending via Visa or Mastercard).
• Apple Pay & Google Paycore — mobile wallet integration.Technology or IntegrationTria Card supports Apple Pay and Google Pay for in-store and online spend across all three membership tiers.
• Taluspartner — ai-agent ecosystem alignment.Technology or IntegrationTalus is listed as a Tria ecosystem partner on the overview page, reflecting shared interest in AI-agent infrastructure.
• Aethirpartner — ecosystem alignment.Technology or IntegrationAethir is listed as a Tria ecosystem partner on the overview page, indicating ecosystem-level cooperation (likely on decentralized compute).
• Merlin Chainpartner — chain integration.Technology or IntegrationMerlin Chain is listed as a Tria ecosystem partner, indicating Bitcoin L2 cross-chain coverage via BestPath.
• Morphpartner — chain integration.Technology or IntegrationMorph is listed as a Tria ecosystem partner, integrated for cross-chain execution.
• Katanapartner — chain integration.Technology or IntegrationKatana is listed as a Tria ecosystem partner, integrated via BestPath for cross-chain routing.
• Injectivepartner — chain integration.Technology or IntegrationInjective is listed as a Tria ecosystem partner, integrated for cross-chain execution.
• Bitlayerpartner — chain integration.Technology or IntegrationBitlayer is listed as a Tria ecosystem partner, integrated for cross-chain execution (Bitcoin L2 coverage).
• Lit Protocolcore — cryptographic infrastructure.Technology or IntegrationCoreSDK leverages Lit Protocol's cryptographic infrastructure to establish on-chain programmable permissioning for agent wallets, including multi-signature authorization thresholds, automated execution triggers, and role-based security invariants.
• Hyperliquidmajor — perpetuals venue integration.Technology or IntegrationHyperliquid is referenced as a perpetuals trading venue integrated with Tria (alongside Decibel) for self-custodial derivatives trading.
• Bybitpartner — exchange liquidity for the tria token.Channel Partner/ Reseller/ DistributorBybit listed the TRIAUSDT perpetual contract in its Innovation Zone (announced February 5, 2026) with up to 25x leverage, USDT-settled, and 4-hour funding fees.
• Bitgetpartner — exchange listing for the tria token.Channel Partner/ Reseller/ DistributorBitget has covered and listed the TRIA token (per a February 3, 2026 article profiling Tria as a self-custodial crypto neobank for daily use).

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Gnosis Pay: Self-custodial crypto debit card on the Gnosis Chain ecosystem. Closest direct analog to Tria Card: spend self-custodied assets at Visa merchants, with on-chain settlement and no custodial intermediary.
• Wirex: Crypto-native card and payments app with multi-currency wallet, swap, and earn features. Comparable business model of card + wallet + yield, though historically more custodial than Tria.
• MetaMask: Leading self-custodial EVM wallet with growing swap and card features (MetaMask Card). Closest direct competitor on the self-custodial wallet side and a benchmark for retail crypto wallet UX.
• Phantom: Multichain self-custodial wallet (Solana + EVM) with built-in swap and staking. Comparable product surface to Tria's wallet and swap experience for crypto-native users.
• LI.FI: Cross-chain bridge and DEX aggregation API. Direct technical peer to BestPath AVS as a chain-abstraction routing engine serving wallets and apps.

Broad incumbents

• Crypto.com: Major crypto exchange and card issuer with Visa cards, earn, and a wide token ecosystem. A larger incumbent competing in the same card + yield + token category as Tria, but custodial in architecture.
• Binance: Largest crypto exchange with a Visa card product, native token (BNB), and deep liquidity. Comparable on card + token + liquidity economics, though custodial and far larger in scale.
• Revolut: Global neobank with crypto buy/sell/swap and card products in-app. Competes for the same 'crypto in everyday spend' use case but as part of a much broader fiat-led banking product.
• Fireblocks: Institutional digital asset custody and wallet infrastructure provider. Comparable on the self-custody / MPC wallet infrastructure layer, though targeting institutions and developers rather than retail consumers.

Others

• Bybit: Major crypto exchange that lists the TRIA token (TRIAUSDT perpetual) and powers perpetual futures liquidity for Tria users. Not a product competitor, but a key liquidity and distribution channel for Tria's token ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/useTria
• Facebookfacebook.com/useTria
• LinkedInlinkedin.com/company/14420208

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tria