i find it a refreshing angle that someone is using AI to attempt sustainable farming. immense implications if solved. token fees are used for more research and progressing the vision. no scammy tokenomics, a dev with integrity and communication skills, and a grand novel vision 🍅
🔥 NEOBANKS & $AVICI
Neobanks are leading a major shift in finance as they integrate crypto directly into their product stack, creating a seamless bridge between traditional fiat accounts and digital assets.
By December 2025, the global neobanking market hit over $4.4T, with crypto becoming a core driver cutting transaction fees, speeding up cross-border payments, and unlocking access for 93M+ crypto users in the U.S.
Modern neobanks aren’t just letting users buy or sell tokens. They now offer staking, lending, DeFi access, and crypto-powered spending cards all inside a single app.
✦ NEOBANKS could become a major trend heading into early 2026, mainly because:
1. Explosive Market Growth
The market is set to grow from $382.8B (2025) to $552B (2026) with a 45% CAGR, fueled by smartphone adoption and mobile-first banking.
2. Demand from Youth + the Unbanked
Millennials & Gen Z account for 78% of users, favoring mobile UX with AI personalization.
Latin America alone has 120M unbanked smartphone users- huge runway for remittances ($160B/year at 6% fees).
3. Advanced Tech Integration
Over 70% of neobanks use AI for analytics, chatbots, and fraud detection.
Layering IoT, blockchain, and crypto unlocks the “super-app” model with on-chain staking/lending.
4. Profitability & Sustainable Models
- The shift from pure growth to revenue is happening.
- Monzo is now profitable through lending + subscriptions.
- Low overhead (no branches) makes it easier to scale margins.
✦ Some standout neobanks today:
@Revolut: A true financial super-app, recently secured MiCA licensing in Cyprus (Oct 2025) for regulated crypto trading across the EEA. It offers zero-fee USD -> stablecoin conversions and powerful multi-currency support.
@wirexapp: Web3 focused, enabling direct crypto spending via Mastercard with up to 8% cashback and integrated DeFi yields.
@nubank: The largest in Latin America, using AI + crypto data to improve credit scoring and expand staking/lending options.
But IN CRYPTO, $AVICI is emerging as the standout NeoBank narrative aiming to turn crypto into real spendable money without selling assets.
@avici is building an on-chain internet bank with stablecoin -> Visa card spending, keeping everything self-custodial (smart wallets across Solana/Polygon/Arbitrum).
They’ve shown impressive growth in both revenue and the number of transactions processed through the $AVICI payment card since launch.
At the moment, @avici is processing more transactions than @MetaMask. $AVICI is a true fat app and will undoubtedly survive this cycle; in other words, it’s set to outperform most other applications.
avici Biz Cards are now live on @solana
If you’re a project on Solana, it’s time to move your biz onchain.
spend from your onchain treasury for all your startup needs!
the new report by Messari, follows the same thesis which i have for avici "internet bank".
we have the opportunity to take DEFI pools of capital and lend them without a bank.
avici is coded for DEFI Bank. Our master plan & master strategy defines exactly building this.
Revolut is adding 1 million users every 17 days. Valued at $75bn, aiming for 100m users from 65m now, on a generational run.
The TAM (Total Addressable Market) for neobanks is massive. We’re talking trillions (projected $10.44T by 2028 per Statista).
Growth’s about to get exponential for @avici; going from 10k to 100k users is easier compared to 0 to 10k.
People’s bank. $AVICI
🤯 $AVICI is showing absolutely monstrous growth in the last 90 days.
> @CryptoKaduna alone drove over 3M views with 126 posts to @avici
> 27M organic views, with 1200 unique accounts posting about Avici
> 300 Notable Followers (including @solana, @frankdegods, @moonpay, and others)
Fun fact: @CryptoTeluguO@0xdetweiler@JoestarCrypto@DineroDom0@retro all called $AVICI before the article from Solana dropped.
Data doesn’t lie.
This is pure strength - the future of neobanking.