# 1. Project Overview
Tria (TRIA) is a cross-chain routing and execution layer project focused on building a self-custodial crypto neobank, aimed at simplifying financial operations for Web3 users. It integrates fragmented blockchain networks, trading venues, and legacy systems into a unified value movement system, supporting gasless, mnemonic-free, and stress-free spending, staking, and exchanging across over 200 chains. The project is consumer-centric, providing chain abstraction primitives that allow assets from different virtual machines (VMs) to interact as quickly as local assets without the need for bridging, swapping, or holding gas tokens. The project has surpassed $100 million in trading volume during its closed beta phase (within 4 months), including $30 million in Tria Card spending and $75 million routed through BestPath. The user base exceeds 250,000, covering 180 countries, with an annual recurring revenue (ARR) of $20 million.
# 2. Project Introduction
The Tria project aims to address fragmentation and user experience issues in Web3, such as multi-wallet management, gas fees, cross-chain bridging, and transaction failures. It builds a smart layer to handle value movement intents (such as sending, converting, spending, or earning) and achieves end-to-end routing through BestPath infrastructure, optimizing speed, cost, and reliability. Tria's vision is to provide an open and inclusive financial system for global users, particularly targeting on-chain earners (such as creators, freelancers, and digital economy participants), enabling borderless value holding and movement, free from inflation or traditional banking constraints.
The project emphasizes 100% self-custody (non-custodial), giving users complete control over their funds and private keys. Tria's consumer neobank application integrates various financial actions into a single account experience, including a Visa crypto credit card supporting over 1,000 tokens (usable in over 150 countries), spot swaps and perpetual futures trading, vault-based yield earning, and prediction markets. The project also supports AI teams and government pilots, such as projects with the United Nations and the UAE. Tria expands its ecosystem through over 70 protocol integrations (such as Polygon Aggregator, Arbitrum, Injective, etc.) and collaborates with partners like Billions (providing 1.8 million KYC users), 0G, Aethir, etc., to drive user growth.
# 3. Products and Technology
Tria's products are divided into consumer interfaces and developer tools:
Consumer Products: The neobank application supports loading the Tria Card (Visa-supported crypto credit card) for real-time spending with over 1,000 tokens like BTC, SOL; earning yields through audited on-chain strategies, providing transparent returns above traditional banks; transactions use AI-optimized routing, supporting spot and perpetual futures; a sharing mechanism allows users to earn rewards through referrals, including cashback, TRIA tokens, and BTC. The application also includes the Tria Points system for earning XP (experience points) through usage and sharing.
Developer Tools: Core SDK, including Inception SDK (for SSO login and shared wallets) and Mazerunner SDK (for cross-VM functionality integration). These SDKs allow developers to quickly integrate into Web, mobile, Telegram mini-programs, Unity, and Unreal Engine (usually within 1 hour), without additional infrastructure or modifications to smart contracts, supporting automated trading, gasless operations, and cross-chain liquidity unification.
The technological core includes:
Chain Abstraction Primitives: Allow real-time interaction of assets from EVM, SVM (Solana VM), Cosmos/IBC, Move VM, Bitcoin, etc., abstracting gas payments (payable with any token) and liquidity unification.
BestPath AVS: A permissionless chain abstraction and intent marketplace, using a Pareto optimal incentive structure, dynamically forming interoperability stacks by Pathfinders, including solvers, fast finality guarantors, transport layers, liquidity pools, etc., achieving atomic execution optimization.
Unchained: An AVS Layer 2 based on Arbitrum Orbit and MoveVM, coordinating BestPath's foundational functionalities, such as automated TSS wallet states, fine-grained permissions, identity management, and credential authentication.
These technologies address pain points in Web3, such as asset isolation, gas management barriers, and dApp fragmentation, promoting infinite composability and user continuity.
# 4. Economic Model
The total supply of TRIA tokens is 10 billion, fixed with no inflation. The initial circulating supply is 2.18852 billion, allocated as follows:
Community: 41.04% (for rewards, growth, and participation, such as earning through the Tria Points system);
Foundation: 18% (to support R&D, utilities, and governance);
Ecosystem and Liquidity: 15% (for ecosystem grants, integrations, and liquidity provision);
Investors: 13.96%;
Core Contributors: 12%.
Token utilities include:
Settlement and Routing: Serving as the coordinating token for BestPath, used for cross-chain execution and intent fulfillment;
Incentives: Users earn TRIA through card spending, swapping, staking, referrals, and community participation;
Governance: Holders participate in ecosystem decision-making;
Staking: Stake TRIA within the platform to earn rewards;
Premium Access: Holding TRIA unlocks higher yields, better rewards, and premium card features.
The project includes a buyback and burn mechanism, buying back TRIA from protocol revenue (such as card fees) and burning it to support long-term sustainability. All rewards and activities are transparently visible on-chain. The vesting plan prioritizes community participants over insiders, ensuring user-driven growth.
# 5. Team and Investors
Tria was founded by Parth Bhalla (Co-founder and CEO) and Vijit Katta (Co-founder). Team members have backgrounds from companies such as Binance, Polygon, LayerZero, OpenSea, OKX, HubSpot, Yext, Intel, and Nethermind.
The project has secured approximately $12 million in pre-seed and strategic financing, with participants including P2 Ventures (Polygon Ventures), Aptos, the Tria community, and executives from Polygon, Ethereum Foundation, Wintermute, Sentient, 0G, Concrete, and Eigen. Polychain Capital and Polygon serve as pre-seed advisors.
# 6. Roadmap
Tria's roadmap focuses on infrastructure optimization and product expansion:
Completed Milestones: After two years of infrastructure development, the first version will launch by the end of 2025; handling $100 million in trading volume during closed beta; ending Points Season 1 in January 2026 (snapshot on January 30) and launching Season 2 (adding XP earning methods, including futures trading); launching the Tria Foundation (a non-profit organization for ecosystem governance and R&D) in February 2026; the token generation event (TGE) will be completed in early February 2026; added to the listing roadmap by Coinbase.
Upcoming Milestones: Expanding on/off ramps to over 100 countries; launching lending, borrowing, and more prediction markets; enhancing AI integration and government pilots; further community engagement and platform usage in Q1-Q2 2026; continuous updates to BestPath AVS and Unchained L2, supporting more VM and partner integrations (such as Arbitrum, Talus, Aethir, Merlin Chain, etc.).
The project emphasizes community-driven development, with future funding for developer tools and partnerships through the foundation to promote daily self-custodial financial adoption.
# 7. Risks and Opportunities
Risks:
Market and Technical Risks: Volatility in the crypto market may affect TRIA prices and user adoption; cross-chain routing relies on complex integrations, which may face security vulnerabilities or execution failures; intense competition from other chain abstraction projects (such as Across or Socket) may divert users.
Regulatory Risks: Global financial regulations (such as anti-money laundering requirements) may limit the availability of Tria Card in certain regions; the non-custodial nature enhances user control, but improper user actions may lead to fund losses.
Dependency Risks: Reliance on partner protocols and the Visa network; if integrations are disrupted, service continuity may be affected; early-stage user growth depends on the Points system, and insufficient incentives may lead to decreased participation.
Opportunities:
Growth Opportunities: Accelerated Web3 adoption; Tria's chain abstraction and self-custodial neobank can attract on-chain earners and AI agents, driving global borderless finance; the Points system and community allocation (41%) promote user loyalty and viral growth.
Ecosystem Expansion: Collaborating with over 70 protocols and partners can capture emerging markets like Asia (Japan, South Korea, China) and the Middle East; AI integration (such as Sentient, Talus) opens new use cases, such as automated payments.
Revenue Potential: Achieving sustainable revenue through card fees, transaction fees, and buyback mechanisms; exposure on Coinbase's roadmap may enhance liquidity and service visibility.
# 8. Conclusion
The Tria project aims to bridge Web3 and real-world finance through innovative chain abstraction technology and a self-custodial neobank, providing a seamless cross-chain experience. Its product and technology stack (such as BestPath and Core SDK) demonstrate a strong foundation, while the community-oriented economic model and transparent governance enhance long-term sustainability. Despite facing market and regulatory challenges, Tria's funding support, team background, and recent milestones (such as Season 2 and Foundation) indicate its potential in the Web3 finance space. The project focuses on user empowerment and practical use cases, making it suitable for researchers interested in observing its future developments in on-chain financial innovation. However, the project is still in its early stages, facing fierce competition from mature competitors in the chain abstraction space, as well as challenges from regulatory uncertainties and cross-chain security risks.
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