What Is Tria?

Tria is the routing and execution layer for modern finance, with a fast-growing neobank as its first reference product. It makes a fragmented world of networks, venues, and legacy endpoints work like one system for moving value.

Tria functions as an intelligence layer for value movement. Instead of forcing users or developers to manage bridges, networks, venues, and settlement paths manually, Tria takes a single intent like send, convert, spend, or earn and routes it end to end for faster settlement, lower leakage, and higher reliability. That intelligence is powered by BestPath.

The consumer neobank is how Tria proves the layer in production. The product experience users see as “a great neobank” is a direct outcome of the routing and execution layer underneath it. Tria been able to quickly execute on building a high-utility, fast-scaling neobank because BestPath makes the underlying execution consistently better.

Tria Products and User Flows

Tria’s neobank consumer app packages a set of everyday financial actions into one account experience, routed by BestPath:

• Spend: Visa-powered crypto credit cards available across 150+ countries, supporting spending from 1,000+ token balances.
• Trade: Spot swaps and perpetual futures (perps), designed to be accessed directly from a user’s existing balances.
• Earn: Vault-based yield functionality for users who park assets over time.
• Prediction markets: Outcome-based markets integrated alongside the trading experience.

Across these flows, users express what they want to do and BestPath determines how to execute it across the underlying rails.

What Is BestPath?

BestPath is Tria’s routing and execution infrastructure. It functions as an intent-based system that determines how an action should be executed across chains and venues, optimizing for speed, cost, and reliability. BestPath powers Tria’s consumer neobank and also serves as an interoperable component for developers and institutions that need best execution across fragmented routes.

BestPath supports 70+ protocol integrations and is integrated across infrastructure and application stacks including Polygon Agglayer, Arbitrum, Injective, BitLayer, Sentient, Billions, Merlin, and Morph. It is used by AI-focused teams including Sentient, Talus, and Netmind. Government pilots are underway with the United Nations and the UAE.

Traction and Activity

In just four months of closed beta, Tria has already crossed $100M in transaction volume, including $30M+ in Tria Card spend and $75M+ routed through BestPath. Users are consistently spending at real-life scale, averaging roughly $2,000 per month in card spend as part of everyday behavior.

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

This momentum is set to accelerate as Tria expands into new product lines, including Earn, Futures, prediction markets, and travel. These additions 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.

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

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

Partnerships and Distribution

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 the places 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.

Team and Backing

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.

Related Pages Tria website: https://tria.so Tria blog: https://tria.so/blog Tria documentation: https://docs.tria.so