The Banking Problem You Can’t Ignore#

Bitcoin launched 16 years ago with a revolutionary promise: eliminate the need for central banks and create true peer-to-peer electronic cash. Fast forward to today, and despite reaching a $2 trillion market cap, Bitcoin functions more like digital gold than actual money.

Even in El Salvador, where Bitcoin is legal tender, only 14-20% of businesses accept it, and fewer people use it regularly. Stablecoins, the next evolution, reach about 30 million monthly active users, comparable to just one or two neobanks like Revolut.

The harsh reality is that crypto remains trapped in the world of trading and investing, not serving as real money, real cash, or a credible banking alternative. The infrastructure gap is glaring: you still need traditional banks to build credit scores for home loans or business loans. The system for underwriting onchain is almost entirely missing. Living fully onchain remains impossible.

Your Crypto Becomes Real Spending Power#

Avici is building distributed internet banking infrastructure to finally deliver on Bitcoin’s original promise. This isn’t another wallet or trading platform. Avici enables you to hold your crypto in self-custody while accessing real-world spending power through Visa cards, all without selling your assets.

Deposit your crypto, get a card in 2 minutes, and spend anywhere Visa is accepted while maintaining full control of your funds. The platform bridges the gap between crypto and traditional finance, meeting people where they are and making stablecoins usable across millions of merchants.

With over $1.2 million in Visa spend volume, 70% user retention, and a growing base of thousands of active users, Avici is proving that crypto can finally function as money, not just an investment vehicle.

What is Avici Coin?#

What Does Avici Do?#

Self-Custody Banking Infrastructure: Avici operates as a crypto neobank built on Solana, creating a global internet banking system that is user-hosted and trustless. Unlike traditional banks that control your funds, Avici gives you complete custody through smart tools like account abstraction and passkeys. You hold the keys, you control the money, forever.

Blockchain-Integrated Visa Cards: Users can open virtual or physical Visa cards in minutes and spend crypto assets directly at millions of merchants worldwide. The cards integrate seamlessly with Apple Pay and Google Pay for tap-to-pay functionality. You can create multiple cards for different spending categories like subscriptions, groceries, travel, and more. The physical cards arrive at your doorstep, making crypto spending as easy as using any traditional bank card.

Credit Lines Without Selling: Avici’s revolutionary approach allows you to use your crypto as collateral for credit lines with matching spending power. This means you can access liquidity without triggering taxable events from selling your assets. Your crypto continues to hold potential upside while you get immediate purchasing power.

Zero-Knowledge Credit Scoring: The platform plans to launch onchain credit scores that replace traditional credit bureaus using zero-knowledge proofs. This allows users to access fairer credit services for home loans, business loans, and more while protecting their privacy. No more dependency on legacy banking systems to build creditworthiness.

Stablecoin Deposit Accounts: Users can deposit funds through virtual USD accounts, enabling easy onramp to the crypto ecosystem. The platform focuses on making stablecoins the primary transaction medium, combining the stability of fiat with the benefits of blockchain technology.

No Hidden Fees Structure: Avici eliminates the typical banking pain points with no gas fees, no interchange fees, and complete transparency. The onchain nature ensures all transactions are visible and verifiable, removing the opacity that plagues traditional finance.

Future Banking Services: Long-term vision includes payroll integration, decentralized credit scoring, mortgage issuance, and complete neobank functionality. Avici aims to become the comprehensive financial infrastructure where anyone, anywhere can depend on it to spend, save, earn, and borrow while preserving privacy and self-custody of wealth.

Who Are Behind Avici?#

Sitaram Kakarlamudi (Ram) - Co-Founder & CEO

• Previously founded Higin, a competitive gaming platform that launched in 2018, demonstrating entrepreneurial experience in building consumer-facing technology platforms
• Worked extensively on gaming infrastructure and wallet architecture, giving him deep technical understanding of user experience and blockchain systems
• Based in San Francisco Bay Area, positioning Avici at the heart of crypto innovation
• Active voice in advocating for global, user-owned banking layers and self-sovereignty through blockchain technology
• Built reputation in the Web3 community as vocal supporter of Indian blockchain builders and decentralization principles

Abhishek Tiwari - Co-Founder

• Leads Avici’s smart-contract architecture and wallet engineering, the core technical foundation enabling self-custody and security
• Deep expertise in blockchain infrastructure, ensuring the platform’s technical robustness and scalability
• Responsible for building the account abstraction and passkey systems that make self-custody accessible to mainstream users
• Twitter: @0xatiwari

Varun (Orseliyas) - Product Lead

• Drives the mobile application and overall product experience, translating complex blockchain technology into intuitive user interfaces
• Focuses on creating seamless interactions that make crypto banking as easy as traditional banking
• Ensures the product meets real user needs through continuous iteration based on beta user feedback
• Twitter: @orseliyas

Yash Kapur - Product Growth

• Manages product growth strategy and user acquisition
• Works on scaling the platform’s user base while maintaining the high retention rates Avici has achieved
• Focuses on community building and market expansion

Why This Team Inspires Confidence#

MetaDAO Unruggable ICO Model: Avici launched through MetaDAO’s innovative “Unruggable ICO” platform, which provides unprecedented transparency and protection for investors. The ICO raised $2 million with a pro-rata allocation system that automatically refunds excess contributions when oversubscribed. This structure prevents large wallet manipulation and ensures fair pricing for all participants. Upon successful sale, 20% of raised USDC and defined token shares are deposited into automated market maker pools, creating immediate liquidity and price stability.

Zero Insider Allocation: In a bold move that sets Avici apart from typical crypto projects, the token allocation includes 0% for insiders, team members, or early backers. This eliminates the common concern of team members dumping tokens on retail investors. Instead, the team is funded through a monthly treasury allowance of $100,000 approved through futarchy-style governance, directly aligning team incentives with long-term project success and token value appreciation.

DAO-Controlled Treasury: All project funds and spending decisions remain under decentralized autonomous organization control. The community governs how resources are allocated, and structural changes require market-based approval through MetaDAO’s futarchy mechanism. This governance model prevents the rug pulls and fund misappropriation that plague traditional ICO projects, as no single entity can unilaterally access or redirect treasury funds.

Proven Product-Market Fit: Before the token launch, Avici’s beta product already demonstrated real traction with over $1.2 million in Visa spend volume, nearly 4,000 monthly active users, and an impressive 70% retention rate. These metrics prove the platform solves real problems and users continue engaging with the product, not just speculating on tokens. The product launched in August 2025 and built organic user growth before any token sale.

Strong ICO Performance: The AVICI token achieved a 7.65x return from ICO price, with all-time high ROI reaching between 8.6x and 13.25x according to various tracking sources. This performance ranks among the top launches on MetaDAO, alongside successful projects like Umbra (8x) and Omnipair (16x). The sustained price performance weeks after launch indicates genuine market demand rather than mere pump-and-dump speculation.

Automated Price Stabilization: MetaDAO’s smart contract architecture acts as a treasury stabilizer, automatically buying AVICI below ICO price and selling above it to maintain price integrity. This creates a liquidity floor that reduces volatility and builds investor confidence. The 0.25% trading fees from governance markets generate protocol revenue while supporting token economics.

Regulatory-Ready Infrastructure: Avici is structured as a legitimate business entity (Avici Inc., 651 N Broad St, Suite 201, Middletown, 19709) with plans for compliance features. The platform integrates with traditional financial rails through Visa partnerships, positioning itself to navigate regulatory requirements as crypto regulations evolve globally.

Solana Blockchain Foundation: Building on Solana provides Avici with the scalability and minimal transaction costs critical for mainstream adoption. Solana’s high throughput and low fees make it feasible to process millions of daily transactions at costs far below traditional payment processors, enabling true utility rather than just speculative trading.

What to Know Before You Buy AVICI#

1. Revenue-Generating Utility Token

Unlike meme coins or purely speculative assets, AVICI represents ownership in a protocol generating real revenue from actual financial services. Every Visa transaction, every card issuance, every credit line drawn contributes to the platform’s economic activity. With over $1.2 million already processed through the platform and growing monthly active users, you’re investing in a business model with demonstrated product-market fit, not just hype.

2. Massive Addressable Market

The global neobanking market is projected to reach hundreds of billions in the coming years, and Avici targets both crypto-native users and traditional finance customers seeking better alternatives. Currently, stablecoins only reach about 30 million users compared to billions using traditional banking. Avici’s strategy to make stablecoins usable across millions of merchants positions it to capture significant market share as crypto adoption accelerates.

3. First-Mover Advantage in Onchain Credit

Avici is pioneering infrastructure that doesn’t yet exist: comprehensive onchain credit scoring, mortgage issuance, and reputation-based undercollateralized lending. Traditional finance’s stranglehold on creditworthiness keeps people trapped in legacy systems. By solving this fundamental problem with zero-knowledge proofs and decentralized verification, Avici could become the standard for Web3 credit infrastructure, similar to how FICO scores dominate traditional finance.

4. No Team Dump Risk

The 0% insider allocation means you don’t face the typical crypto problem of team members and VCs sitting on massive unlocked token supplies ready to dump on retail. Your investment isn’t getting diluted by insiders cashing out. The team’s monthly allowance model aligns their long-term interests with token holders, creating genuine partnership rather than adversarial dynamics.

5. MetaDAO Infrastructure Advantage

Launching through MetaDAO provides Avici with battle-tested infrastructure including automated liquidity provisioning, futarchy governance, and treasury management systems. Projects on MetaDAO have demonstrated strong average ATH ROI of approximately 12x, with Avici ranking among the top performers. The platform’s rug-protection mechanisms and transparent operations significantly reduce investment risk compared to typical crypto launches.

6. Bridge Between Crypto and Traditional Finance

Avici isn’t asking users to abandon traditional finance entirely. Instead, it creates seamless interoperability, allowing people to hold crypto while accessing fiat payment rails through Visa. This practical approach accelerates adoption by meeting users where they are rather than demanding they completely change their financial habits. As more people enter crypto, they’ll need these bridge services, positioning Avici for sustained growth.

7. Expanding Visa Benefits Ecosystem

AVICI holders gain access to traditional Visa card benefits including airline miles, rental car insurance, luxury hotel upgrades, exclusive dining discounts, emergency travel services, and trip protection insurance. These real-world perks add tangible value beyond token speculation, creating additional reasons to hold and use the token while enjoying benefits typically reserved for premium traditional credit cards.

How to Buy AVICI?#

Move your Solana from central exchanges like Binance to your GMGN Solana wallet and swap for AVICI.

Buy AVICI on GMGN

GMGN offers a streamlined trading experience for Solana tokens with real-time price tracking, instant swaps, and comprehensive market data. The platform provides professional-grade tools for both new and experienced traders looking to access emerging Solana ecosystem projects like AVICI with confidence and ease.