I. Project Overview

Tria (TRIA) is a cross-chain routing and execution layer project focused on building a self-custodial crypto neobank designed to simplify financial operations for Web3 users. It integrates fragmented blockchain networks, venues, and legacy systems into a unified value-movement infrastructure, supporting gasless, seedless, and friction-free spending, staking, and swapping across 200+ chains.

The consumer-centric project provides chain-abstraction primitives that enable assets from different virtual machines (VMs) to interact as seamlessly as native assets, without the need for bridging, swapping, or holding gas tokens. During its closed beta phase (within four months), the project processed over $100 million in transaction volume, including $30 million in Tria Card spending and $75 million routed through BestPath. The user base exceeds 250,000 across 180 countries, with an annualized revenue run rate (ARR) of approximately $20 million.

II. Project Introduction

The Tria project aims to address fragmentation and user-experience challenges in Web3, such as multi-wallet management, gas fees, cross-chain bridging, and transaction failures. It builds an intelligence layer to process value-movement intents (such as sending, converting, spending, or earning) and enables end-to-end routing through the BestPath infrastructure, optimizing for speed, cost efficiency, 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 inflationary pressure or traditional banking constraints.

The project emphasizes full self-custody, where users maintain complete control over their funds and private keys. Tria’s consumer neobank application consolidates multiple financial actions into a single account experience, including Visa-powered crypto credit cards supporting 1,000+ tokens (usable in 150+ countries), spot swapping, perpetual futures trading, vault-based yield earning, and prediction markets.

The project also supports AI teams and government pilots, including collaborations with entities in the United Nations and the UAE. Tria expands its ecosystem through 70+ protocol integrations (including Polygon AggLayer, Arbitrum, Injective, and others) and partnerships with collaborators such as Billions (providing 1.8 million KYC users), 0G, Aethir, and others to drive user growth.

III. 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-backed crypto credit card) for real-time spending using BTC, SOL, and 1,000+ additional tokens. It offers yield generation through audited on-chain strategies designed to provide transparent returns exceeding traditional banking benchmarks, AI-optimized routing for spot and perpetual futures trading, and a referral-based reward-sharing mechanism including cashback, TRIA tokens, and BTC incentives. The application also features the Tria Points system, allowing users to earn XP through usage and participation.

Developer Tools:

The Core SDK includes the Inception SDK (for SSO login and shared wallets) and the Mazerunner SDK (for cross-VM functionality integration). These SDKs allow developers to integrate across Web, mobile, Telegram Mini Apps, Unity, and Unreal Engine — typically within one hour — without requiring additional infrastructure or smart-contract modifications, while supporting automated transactions, gasless operations, and unified cross-chain liquidity.

Core Technologies Include:

• Chain Abstraction Primitives: Enable real-time asset interaction across EVM, SVM (Solana VM), Cosmos/IBC, Move VM, Bitcoin, and other virtual machines, abstracting gas payments (payable in any token) and unifying liquidity.
• BestPath AVS: A permissionless chain-abstraction and intent marketplace utilizing a Pareto-optimal incentive structure, where pathfinders dynamically assemble interoperability stacks — including solvers, fast-finality guarantors, transport layers, and liquidity pools to achieve optimized atomic execution.
• Unchained: An AVS Layer-2 built on Arbitrum Orbit and MoveVM that coordinates BestPath’s foundational functions, including automated TSS wallet states, fine-grained permissioning, identity management, and credential attestation.

These technologies aim to address Web3 pain points, including asset isolation, gas management barriers, and dApp fragmentation, thereby promoting composability and user continuity.

IV. Token Economics

The TRIA token has a total fixed supply of 10 billion tokens with no inflation. The initial circulating supply is 2.18852 billion tokens, allocated as follows:

• Community: 41.04% (rewards, growth, and participation, including the Tria Points system)
• Foundation: 18% (R&D, utilities, and governance)
• Ecosystem & Liquidity: 15% (grants, integrations, and liquidity provision)
• Investors: 13.96%
• Core Contributors: 12%

Token Utilities Include:

• Settlement & Routing: Serves as the coordination 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: Staking TRIA within the platform to earn returns
• Premium Access: Holding TRIA unlocks higher yields, enhanced rewards, and premium card features

The project includes a buyback-and-burn mechanism, in which TRIA is repurchased using protocol revenue (e.g., card fees) and burned to support long-term sustainability. All rewards and activities are transparently visible on-chain. The vesting schedule prioritizes community participants over insiders, supporting user-driven growth.

V. Team and Investors

Tria was founded by Parth Bhalla (Co-founder & CEO) and Vijit Katta (Co-founder). Team members have backgrounds at Binance, Polygon, LayerZero, OpenSea, OKX, HubSpot, Yext, Intel, and Nethermind.

The project raised approximately $12 million in pre-seed and strategic funding, with participants including P2 Ventures (Polygon Ventures), Aptos, the Tria community, and executives from Polygon, the Ethereum Foundation, Wintermute, Sentient, 0G, Concrete, and Eigen. Polychain Capital and Polygon served as pre-seed advisors.

VI. Roadmap

Tria’s roadmap focuses on infrastructure optimization and product expansion:

Completed Milestones:

After two years of infrastructure development, the first version launched in late 2025; the project processed $100 million in transaction volume during closed beta; concluded Points Season 1 in January 2026 (snapshot on January 30) and launched Season 2 with expanded XP-earning methods including futures trading; launched the Tria Foundation in February 2026; completed the Token Generation Event (TGE) in early February 2026; and was added to Coinbase’s listing roadmap.

Upcoming Milestones:

Expanding on/off-ramps to 100+ countries; launching lending, borrowing, and additional prediction markets; strengthening AI integrations and government pilot programs; increasing community engagement and platform usage in Q1–Q2 2026; and continuous upgrades to BestPath AVS and Unchained Layer-2 while supporting additional VM and partner integrations (such as Arbitrum, Talus, Aethir, Merlin Chain, and others).

The project emphasizes community-driven development, with future plans to fund developer tools and partnerships through the Foundation to promote everyday self-custodial financial adoption.

VII. Risks and Opportunities

Risks

• Market and Technical Risks: Cryptocurrency market volatility may affect TRIA pricing and user adoption. Cross-chain routing relies on complex integrations that may introduce security vulnerabilities or execution failures. Competition from other chain-abstraction projects (such as Across or Socket) may divert users.
• Regulatory Risks: Global financial regulations, including anti-money-laundering requirements, may limit Tria Card availability in certain regions. While the non-custodial model enhances user control, improper user operations may still result in fund loss.
• Dependency Risks: Reliance on partner protocols and the Visa network may lead to service disruptions. Early-stage user growth depends heavily on the Points system, and insufficient incentives may reduce participation.

Opportunities

• Growth Opportunities: Accelerating Web3 adoption positions Tria’s chain-abstraction and self-custodial neobank to attract on-chain earners and AI agents, driving global borderless finance. The Points system and community allocation support loyalty and viral growth.
• Ecosystem Expansion: Collaboration with 70+ protocols and partners enables access to emerging markets in Asia and the Middle East. AI integrations (such as Sentient and Talus) open new automated-payment and agent-driven use cases.
• Revenue Potential: Sustainable revenue streams from card fees, transaction fees, and buyback mechanisms. Exposure to the Coinbase roadmap may enhance liquidity and visibility.

VIII. Conclusion

Tria aims to bridge Web3 and real-world finance through innovative chain-abstraction technology and a self-custodial neobank, delivering a seamless cross-chain financial experience. Its product and technology stack — anchored by BestPath and the Core SDK — demonstrates a solid technical foundation, while its community-oriented token model and transparent governance support long-term sustainability.

Despite market and regulatory challenges, Tria’s funding support, team background, and recent milestones indicate meaningful potential within the Web3 finance sector. However, the project remains in an early stage and faces strong competition in the chain-abstraction landscape, along with regulatory uncertainty and cross-chain security risks.

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