Tria is a self-custodial crypto neobank and Web3 infrastructure platform built on a framework of chain abstraction primitives. It is designed to simplify user and developer interaction with blockchain technology by unifying fragmented blockchain networks and financial services into a single, cohesive application. Its core mission is to enable developers to build chain-abstracted applications that unify user assets and identities across all blockchain virtual machines (VMs). ^[11] The platform's core objective is to eliminate common Web3 complexities, such as gas fees, private key management, and cross-chain bridging, to provide an experience comparable to modern digital banking while maintaining user control over their assets. ^{[1] [2]}​

Overview

Tria operates on a dual model, providing both a consumer-facing application and a foundational infrastructure layer for developers. The infrastructure is designed to solve key Web3 challenges like asset fragmentation, complex user onboarding, and siloed liquidity that arise from a multi-chain environment. ^[11] For users, Tria offers a suite of integrated products including a smart contract wallet, a crypto-powered debit card, and direct access to decentralized finance (DeFi) services like trading and yield generation. For developers, Tria provides a Software Development Kit (SDK) to embed its account and chain abstraction features into third-party decentralized applications (dApps). ^[3] The project is operated by Threely Dimensions Inc. and is developing its solutions in collaboration with major blockchain ecosystems, including Polygon, Arbitrum, Solana, and Berachain. As of early 2026, access to the platform is available on an invite-only basis. ^{[12] [11]}​

The project is built on the principle of being "intent-centric," meaning users declare their desired outcome (e.g., "swap ETH for SOL") rather than executing a series of complex steps. Tria's backend system then determines and executes the most efficient path to achieve that outcome. This is powered by a proprietary AI-driven routing engine called BestPath and an architecture based on Account Abstraction (ERC-4337). ^{[1] [4]}​

A central tenet of Tria is its self-custodial (or non-custodial) nature, which ensures that users retain full control and ownership of their private keys and funds at all times. The platform provides the interface and execution "rails" for transactions but never takes custody of user assets, combining the security of self-ownership with the user-friendliness of a FinTech application. ^{[2] [1]}​

History

Tria was founded out of a shared frustration with the complex and often unintuitive user experience prevalent in Web3. According to co-founder and CEO VK, the inspiration for the project came from observing new users struggle with concepts like gas fees, managing multiple wallets for different blockchains, and dealing with stuck or failed transactions. The founding team identified the user experience, rather than the underlying blockchain technology itself, as the primary barrier to mass adoption. ^[1]​

The development team reportedly spent approximately two years building the core infrastructure before launching a user-facing product. ^[1] While initial project documentation and blog posts appeared in late 2023, the platform gained public traction in early 2024. ^{[5] [4]} The project's native token, $TRIA, held its Initial DEX Offering (IDO) in April 2024, followed by listings on several centralized exchanges in May 2024. ^[3]​

By March 2024, Tria's platform had processed over $20 million in transaction volume in its first three months of operation, indicating early user adoption. ^[2] In December 2025, Tria launched a feature enabling users to top up their Tria payment card directly from self-custodied Bitcoin wallets, allowing them to spend Bitcoin on the Visa network without an intermediary taking custody of their assets. ^[10]​

As of January 2026, the platform had grown to over 425,000 users and processed more than $100 million in total transaction volume. ^{[6] [7]} To further community engagement, Tria launched a points program, granting users "Experience Points" (XP) for performing on-platform actions like swapping and spending. ^[1]​

Funding

In October 2025, Tria announced it had raised $12 million in a combined pre-seed and strategic funding round, with participation from P2 Ventures, Aptos, and executives from organizations like the Ethereum Foundation and Polygon. The company stated the funds would be used to build its self-custodial neobank and payments infrastructure. At the time, Tria reported its technology was being used by over 250,000 users and more than 70 protocols. ^[9]​

Technology

Tria's platform is built on a technology stack, collectively referred to as "Unchained," which is designed to abstract blockchain complexities from the user through several key components. ^[13] The high-level goal is "Chain Abstraction," which seeks to create a unified user experience across all VM environments (e.g., EVM, SVM, MoveVM) by eliminating the need for users to manage multiple wallets, manually bridge assets, or hold different gas tokens.^[11]

Unchained (AVS Layer 2)

The foundation of Tria's infrastructure is "Unchained," an Actively Validated Service (AVS) Layer 2 that serves as a coordination and settlement layer. It is built as an Arbitrum Orbit chain that utilizes the Move Virtual Machine (MoveVM) and is compatible with the Inter-Blockchain Communication (IBC) protocol. Unchained is responsible for coordinating essential services, including Threshold Signature Scheme (TSS) wallet automation, fine-grained wallet permissions, and decentralized identity management. ^{[11] [14]}

BestPath AVS

BestPath is Tria's proprietary cross-chain routing engine that functions as an intent-based, permissionless interoperability marketplace for chain abstraction. Built as an Actively Validated Service (AVS) on EigenLayer, its primary function is to find the most efficient, or "Pareto-optimal," execution path for any user-initiated transaction across supported blockchains, calculated based on time, cost, and liquidity. ^{[1] [2] [15]}

The system operates as a decentralized marketplace where a network of off-chain agents compete to fulfill user intents. These agents include "Solvers" and "Pathfinders" that route intents, "Transport Layers" and "Relayers" for cross-chain communication, "Paymasters" for gas abstraction, and "Fast-Finality Guarantors" for rapid settlement. ^[11] To ensure security and reliability, malicious or inefficient agents are economically penalized through a slashing mechanism, where their staked assets can be forfeited. This model enables users to perform gas-free and bridge-free cross-chain transactions from a single interface. ^[1]

Account Abstraction and MPC

Tria's user accounts are built using a combination of Account Abstraction (AA) via the ERC-4337 standard and Multi-Party Computation (MPC). The security model is based on Threshold Signature Scheme (TSS) technology, which enables the creation of programmable wallets and facilitates secure, controlled transaction processing across the network. ^[16] This architecture enables a more secure and user-friendly wallet experience than traditional Externally Owned Accounts (EOAs). ^[6]​

Key features enabled by this system include:

• Social Logins: Users can create and access a self-custodial wallet using familiar Web2 credentials, such as a Google account, eliminating the need to manage a seed phrase. ^[2]
• Gas Abstraction: Through a paymaster system, users can pay transaction fees in any token they hold, or dApps can sponsor gas fees on their behalf, creating a "gasless" experience. ^[3]
• Security and Recovery: MPC technology splits a user's private key into multiple shards stored in different locations, preventing a single point of failure. The system also supports social recovery, allowing users to designate trusted contacts or devices to help regain account access. ^[5]
• Transaction Batching & Session Keys: Users can approve multiple operations in a single signature. Session keys allow users to grant dApps temporary, scoped permissions for a set duration or transaction limit, improving the experience for applications like games that require frequent on-chain actions. ^[8]

Unchained Intelligence (TriAI)

Unchained Intelligence is Tria's AI-powered layer that works in conjunction with its account and chain abstraction infrastructure. This system is designed to interpret user intent expressed in natural language. ^[4]​

The AI framework can translate a simple command, such as "put my USDC into the highest-yield Aave pool," into the complex series of machine-readable transactions required to execute it. The system then passes these instructions to the BestPath engine for execution. This creates a conversational interface for DeFi and other Web3 interactions, further lowering the barrier to entry for non-technical users. ^{[2] [4]}​

Decentralized Identities (DIDs)

The Tria platform incorporates a system for cross-VM Decentralized Identities (DIDs). This feature allows for the aggregation of user data and reputation across different blockchains, creating a unified digital identity. It also provides tools for managing Personally Identifiable Information (PII) securely. ^[17]

Tria CoreSDK

For developers, Tria provides a Software Development Kit (SDK) that allows them to integrate Tria's abstraction features into their own dApps. The SDK enables applications to onboard users from any blockchain and access liquidity from any VM, achieving what Tria calls "Infinite Composability." By using the CoreSDK, developers can offer their users simplified onboarding with social logins (Single Sign-On), gasless transactions, aggregated balances, and seamless cross-chain functionality without having to build the complex infrastructure themselves. ^[18]

The CoreSDK is designed as a lightweight front-end integration that does not require modifications to existing smart contracts. It is compatible with multiple platforms, including Web, Mobile, Telegram Mini Apps, Unity, and Unreal Engine. Tria provides a range of specific SDKs, such as the React SDK, React Native SDK, and a Multi-Platform SDK for frameworks like Next.js and Nuxt.js. ^{[11] [19] [20]}

Products

Tria offers a suite of integrated financial products that function together as its self-custodial neobank. ^[1]

• Tria Wallet (Tria OS): A mobile smart contract wallet that serves as the central user hub for managing assets and interacting with dApps across all supported chains. It provides a single, unified balance view and can be toggled between a simplified wallet mode and a high-frequency trading terminal for advanced users. The interface is available on web, mobile, and as a Telegram bot. ^{[2] [21]}
• Tria Card: A physical and virtual Visa-powered debit card that allows users to spend their crypto holdings in over 150 countries at merchants worldwide. A key feature is the ability for users to top up their card directly from self-custodied Bitcoin wallets, which is processed through a non-custodial smart contract system. This allows Bitcoin spending without relinquishing asset control. In addition to Bitcoin, the card supports top-ups with over 1,000 other digital assets. The card is compatible with Apple Pay and Google Pay and features a yield-based repayment system where idle assets earn yield to automatically repay the card's balance. It is available in Virtual, Signature, and Premium tiers, offering up to 6% cashback and daily spending limits as high as $1,000,000. ^{[1] [10] [9]}
• Earn: An integrated feature for generating yield on crypto assets. It offers up to 15% APY through audited, on-chain staking and DeFi strategies, simplified into one-click actions. ^[1]
• Trade / Swap: A cross-chain swapping service powered by the BestPath routing engine. It automates swaps to be gas-free for the user and optimized for the best price, speed, and lowest fees. ^[2]
• Targeted Text Engagement: A service enabling dApps to engage with users via text-based platforms like WhatsApp, Telegram, and iMessage, allowing users to initiate on-chain actions through simple text commands. ^[12]
• Perps: A perpetuals trading feature that offers up to 50x leverage for cross-chain leverage trading. ^[1]
• On/Off Ramp: A planned service to facilitate seamless conversions between local fiat currencies and crypto in over 100 countries. ^[1]
• US Bank Account: A service available to US citizens for opening a US bank account with an IBAN to hold USD and receive payments. ^[1]

$TRIA Tokenomics

The native utility and governance token of the Tria ecosystem is $TRIA. It has a total supply of 1 billion tokens and exists as an ERC-20 token on Ethereum and compatible chains like Arbitrum, as well as a BEP-20 token on BNB Smart Chain. ^{[5] [7]}​

Token Utility

The $TRIA token is designed to serve several key functions within the ecosystem:

• Staking and Governance: Staking $TRIA provides voting rights in the Tria DAO for decisions on protocol upgrades and treasury management. Stakers also help secure the BestPath AVS network and can receive a share of platform revenue. ^[3]
• Fee Discounts and Payments: Holding or staking $TRIA provides users with reduced fees for swaps and perpetuals trading. The token can also be used as a universal currency to pay for services and settle transaction fees within the Tria ecosystem. ^[1]
• Gas Sponsorship: Developers and dApps can stake $TRIA to subsidize gas fees for their users, enabling the platform's gasless transaction feature. ^[5]
• Rewards and Incentives: The token is used to reward users for platform activities, referrals, and card spending, as well as for rewards in the Tria Points Program. ^[1]

Token Distribution

The total supply of 1 billion $TRIA tokens is allocated across different categories, each with specific vesting schedules to align long-term interests. The team and foundation allocations are subject to a 12-month cliff, while investor rounds have shorter cliffs and linear vesting periods. ^[5]​

Category	Allocation (%)	Total Tokens	Vesting Details
Team	15%	150,000,000	12-month cliff, then 36-month linear vesting
Advisors	5%	50,000,000	6-month cliff, then 24-month linear vesting
Seed Round	10%	100,000,000	5% at TGE, 6-month cliff, 18-month linear vesting
Strategic Round	6%	60,000,000	7.5% at TGE, 4-month cliff, 14-month linear vesting
Public Sale	1%	10,000,000	25% at TGE, then 6-month linear vesting
Ecosystem Fund	25%	250,000,000	5% at TGE, then 48-month linear vesting
Liquidity/MM	10%	100,000,000	50% at TGE, remainder vested as needed
Marketing	10%	100,000,000	5% at TGE, then 36-month linear vesting
Foundation/Treasury	18%	180,000,000	12-month cliff, then 48-month linear vesting

​

Partnerships

Tria has established a wide range of partnerships across the Web3 ecosystem to enhance its infrastructure and expand its user base. Notable collaborations include:

• Infrastructure Partners: Polygon (specifically with its AggLayer for chain abstraction), Arbitrum, Injective, Merlin Chain, Bitlayer, Morph, Monad, Solana, and Berachain. ^{[1] [7] [12]}
• AI-Focused Projects: Tria provides its technology to AI projects including Sentient, Talus, and Netmind. ^[7]
• Card Distribution: A partnership with Billions was formed to distribute Tria Cards to its 1.8 million KYC'd users. ^[7]
• Government Pilots: The project is reportedly engaged in pilot programs with the United Nations and the government of the UAE. ^[7]

Team

Several individuals have been identified as co-founders and leaders of the Tria project across various sources. These include:

• Vijit Katta (also known as VK or Karthik): Co-Founder and CEO. ^{[1] [4] [9]}
• Parth Bhalla: Co-Founder. ^[9]
• Rishabh Khurana: Founder. ^[6]
• David: Co-Founder. ^[2]
• Luciano: Co-Founder. ^[2]
• Sumanth: Co-Founder. ^[5]

The broader team is reported to consist of over 40 members with experience from companies such as Polygon, LayerZero, Binance, OpenSea, and Intel. ^[7]​