The General

I love god, my family, my country, and Telcoin

[OCT Gems @oct_gems]

Neobanks are on track to become a $10B+ on-chain category by the end of 2026.

That’s before most users even realize they’re using them.

Three early projects sit right at the centre of that shift

→ @telcoin ( $TEL )
→ @Thorwallet ( $TITN )
→ @AviciMoney ( $AVICI )

One of these could be the next 10x👇

🔵Telcoin ( $TEL ): Mobile-First Digital Banking + Remittances

✦ Tech Used → Multi-Chain Stablecoins + Telecom Integration

• Built on Polygon and Ethereum for low-cost, efficient transactions.

• Integrates with mobile networks for seamless on-chain remittances and payments.

✦ Regulatory Framework → U.S. Licensed Digital Asset Bank

• Operates under Nebraska state charter as Telcoin Digital Asset Bank.

• Compliant with FinCEN; focuses on regulated stablecoin issuance like eUSD.

✦ Products & Services → eUSD + Telcoin Wallet + Remittances

• eUSD → yield-bearing stablecoin backed by U.S. Treasuries, live on Ethereum and Polygon since December 2025.

• Telcoin Wallet → self-custodial app for payments, swaps, and banking services.

• Remittances → instant, low-fee transfers via telecom partnerships in 171 countries.

Telcoin bridges telecom and blockchain to deliver global finance directly to mobile phones.

It powers "Digital Cash" with multi-currency stablecoins, enabling on-chain remittances and regulated banking without traditional banks.

The V5 wallet integrates personal and business accounts, with expansions targeting emerging markets for real-world use.

With a $10M initial eUSD issuance and plans for full banking rollout in early 2026, Telcoin is scaling mobile-first neobanking.

My take: Telcoin is the telecom powerhouse in on-chain neobanks blending mobile money with stablecoins for global remittances and banking.

🟢THORWallet ( $TITN ): Multi-Chain DeFi Wallet + Fiat On-Ramps

✦ Tech Used → Cross-Chain Swaps + Self-Custodial Infra

• Powered by THORChain for native cross-chain swaps without bridges.

• Supports Bitcoin, Ethereum, Solana, BNB, TRON, Stellar, and more with multisig security.

✦ Regulatory Framework → Swiss Compliance + Licensed Features

• Operates as a Swiss neobank with IBAN accounts and Mastercard integration.

• KYC/AML compliant for fiat services; non-custodial for crypto.

✦ Products & Services → THORWallet App + Crypto Card + IBAN

• THORWallet App → staking, swapping, and yield farming across chains.

• Crypto Card → Mastercard for spending crypto at fiat terminals globally in 100+ countries.

• IBAN Accounts → digital Swiss bank accounts for fiat-crypto bridging.

THORWallet is the ultimate self-custodial wallet merging DeFi with real-world spending.

It enables seamless swaps, staking, and Web3 access, while the crypto card and IBAN allow instant fiat conversions.

With $1.7B in swaps processed YTD and an upcoming airdrop, it's a mobile-first superapp bringing DeFi to everyday finance.

My take: THORWallet is the versatile DeFi hub for on-chain neobanks all-in-one wallet with fiat rails and cross-chain efficiency.

⚪️Avici ( $AVICI ): On-Chain Neobank + Credit Innovation

✦ Tech Used → Solana Blockchain + Tokenized Credit

• High-speed Solana for low-fee transactions and neobank features.

• Tokenizes assets and enables uncollateralized loans with privacy-focused transactions.

✦ Regulatory Framework → Permissioned + Compliance-Focused

• Named virtual accounts with KYC for fiat-stablecoin conversions (IBAN in EU, ACH/wires in US).

• Operates under global regs for neobank services; no team tokens for transparency.

✦ Products & Services → Virtual Accounts + Stablecoins + Loans

• Virtual Accounts → seamless fiat-to-crypto with self-custody, powered by MoonPay, supporting SEPA Instant, ACH, and direct deposits.

• Stablecoins → privacy-focused deposits, withdrawals, and spending.

• Uncollateralized Loans → decentralized credit for institutions and users, plus on-chain credit scoring and cards.

Avici is building an internet-native neobank that keeps users in control of their funds.

It bridges fiat and crypto without intermediaries, offering virtual accounts as real alternatives to traditional banks, plus credit cards and RWA tokenization.

With $3.5M raised in 2025 and recent virtual account launches, it's positioned for DeFi banking growth.

The "no team tokens" model builds community trust.

My take: Avici is the innovative neobank pioneer in on-chain protocols on-chain credit and fiat-crypto bridging on Solana.

Conclusion: The Neobank Edge

On-chain neobanks are more than a trend they’re how crypto reinvents banking for the digital era.

• Telcoin → remittances + mobile banking, telecom-driven.
• THORWallet → multi-chain wallet + spending, DeFi-fiat hybrid.
• Avici → neobank + credit, Solana-native innovation.

Final Rankings →

Tech Used:

$TITN > $AVICI > $TEL

THORWallet leads in cross-chain swaps, Avici excels in Solana speed/tokenization, Telcoin focuses on telecom integration.

Regulatory Framework:

$TEL > $TITN > $AVICI

Telcoin has U.S. banking charter strength. THORWallet uses Swiss compliance. Avici emphasizes permissioned KYC.

Products & Services:

$AVICI > $TEL > $TITN

Avici delivers cutting-edge accounts and loans. Telcoin bridges remittances and wallets. THORWallet serves DeFi spending needs.

🔚My Takeaway:

If you want telecom-powered global access → Telcoin.

If you want versatile DeFi tools + fiat spending → THORWallet.

If you want innovative on-chain banking + credit → Avici.

On-chain neobanks aren’t just a side play they’re crypto’s most credible path to mainstream finance.

[Telcoin @telcoin]

According to @Visa and @Dune, non-USD stablecoin transfer volume has increased 16x in three years, while unique holders have grown 30x.

In tandem with bank-issued eUSD, multi-currency Digital Cash is the foundation for global remittances and payments.
https://t.co/lDdKEw59ll

[Stand With Crypto🛡️ @standwithcrypto]

Stand With Crypto and over 200 organizations sent a simple message to Senate leadership: it's time for the Clarity Act.

The community is unified — large companies, startups, associations, and grassroots groups across the country are counting on their lawmakers to deliver rules of the road for crypto in America.

The Clarity Act passed the Senate Banking Committee with bipartisan support.

Now it needs to cross the finish line. Tell your Senators you want Clarity 👇

[TelcoinJohnny @_TelcoinJohnny]

People hear “MNOs are testing on Telcoin’s testnet” and think it’s just a demo.

What they’re missing is that MNOs aren’t the customers… they’re the future operators of the network. telcoin:native

[Telcoin Association @TelcoinTAO]

ICYMI: Platform & Treasury Council Meeting – June 4, 2026
The 40th Platform & Treasury Council meeting covered key updates across network development, web unification, active governance proposals, and community Q&A.

Network & Development Updates
The team's top priority remains production hardening and security. The team addressed recent security audit findings by replacing ~500 lines of Solidity BLS library code with a 7-line precompile for the Telcoin Network EVM, dramatically reducing the attack surface while reusing code already in scope for other audits. This process continues to help extend the security budget. With this resolved, it marks the last known issue ahead of the consensus registry security audit, which is being scheduled with security partners for next week.

Five new data centers have been onboarded over the past two weeks, with another node expected to come online shortly. The protocol team is also designing off-chain metrics tooling to support public-facing dashboards and improve network visibility.

Web Unification Update
The unified web presence continues to advance. The design phase is nearing completion, with content finalization expected next week ahead of the custom mobile-first build phase beginning shortly after. The new site will unify all Telcoin properties https://t.co/Zv5hS8YDyV, https://t.co/MM0shltsD1, TELx, the roadmap, forums, and more under one ecosystem with a universal smart search that indexes across every domain and subdomain.

Key pages previewed include tailored landing pages for MNOs, developers, and the Association, along with updated TELx and about pages. All content shown remains placeholder. The Association will retain full IP ownership of the codebase.
Sneak Peak - https://t.co/OMhOMilZsL

Governance Snapshot Updates
Two governance proposals have recently passed through snapshot voting. The Augmenting Communications & Marketing proposal aimed at leveraging Telcoin's internal marketing team to support Association communications efforts is now getting underway. The Contractor Engagement Framework authorizing the Association to engage contractors for specialized, project-based work including product launches, web development, technical infrastructure, and design has also cleared voting.

Community Q&A Highlights
Mainnet timeline: Developers reaffirmed 2026 remains the target year for Telcoin Network mainnet, with the team focused on closing out the final security hardening items before launch.

- MNO participation: MNOs are conducting thorough due diligence before publicly announcing their participation. The Association is focused on being trusted advisors through this process.
- Validator onboarding: Validators must complete an NFT-gated onboarding process. This includes reviewing a detailed node operator documentation package and a public application before being eligible to run a mainnet node.
- dApp developer outreach: Developer seat council members are actively meeting with dApp developers about building on the network. Projects or developers interested in building can reach out at [email protected].

FULL VIDEO - https://t.co/awC6K2d6Fz

Next Meetings: June 18 | July 2 | July 16

[BZ @BZ_crypto1]

My guy @TelcoinPaul is wicked smaht

“As a bank and an issuer, we can give stablecoin yield regardless if it’s banned (by clarity)”

$TEL the world

[BZ @BZ_crypto1]

@stoolpresidente Should probably check out telcoin:native

[Telcoin @telcoin]

As of today, Japan's FSA recognizes foreign stablecoins as electronic payment instruments.

We're excited to see how we can bring eJPY to market under this framework.
https://t.co/DAnELfUYhF

[Telcoin @telcoin]

“How does a small community bank get into stablecoins?”

At his @FT Digital Assets Summit panel, CEO Paul Neuner shared our vision for eUSD as unbranded digital dollars.

[iTrustCapital @iTrustCapital]

Telcoin $TEL Now Available in your iTrustCapital IRA at iTrustCapital!

► Follow the market prices here: https://t.co/28mRJ5Mgal

@telcoin

[Telcoin @telcoin]

With the CLARITY Act advancing to the Senate floor this month, compliant yield for bank-issued stablecoins is one step closer to law.

Telcoin Digital Asset Bank already operates within this framework with eUSD.
https://t.co/UUokVK0PF7

[𝕃𝟙𝕓𝕖𝕣ⓣ𝕪 𝕃𝕒𝕕☘️ @L1bertyLad]

telcoin:native

[Collide ⚡️ @We_R_Crypto]

INSIGHTS⚡️ Low-cost, high-quality financial products delivered straight to every mobile phone remain $TEL’s core mission. The continued focus on Kenya highlights how stablecoin rails can cut friction in remittances and everyday merchant transactions.

Our analysis: mobile-first design is the key to financial inclusion at global scale. 🌍 What mobile crypto feature would help you most? #Web3 #Blockchain

[XGenerationalWealthChaserX @GoldenXinvest99]

TELCOIN is a TOP 10 Coin - Been saying this for Years Now 🚀🚀🚀🚀🚀@TelcoinHub @telcoin @TelcoinGeneral @Telcoin_Juggler @NebraskaDBF @realDonaldTrump

[The BULL Murray @kryptokush737]

BOOYAH!! $TEL IS COOKING!
$eGBP Stablecoin now live on the App.

And we’re back in another BUY ZONE.
Under. .003 is a dream. And soon going to be a memory.
Under a penny is a gift. And will soon be unimaginable.

@Telcoin is straight-up bullying the old financial system — linking blockchain power, telecom reach, and real digital banking to make money moves faster, cheaper, and borderless for everyone on mobile.

Remittances? Crushed.
Self-custody? Locked in.
EVM chain backed by actual mobile operators? Next-level.

They’re not just talking about banking the unbanked — they’re doing it with style. User-owned finance that actually works. This isn’t some dusty old idea… this is the future flexing on everyone else.
If you’re still sitting on the sidelines, wake up! Because the door will shut. And the ride will leave without you. Get positioned soon. Or be sad. $TEL is built different and the “risk” is ready to run.
Loading up today. 😎💣💨💥🔥
LFG!!
$TEL $ZBCN $GHOST $SLC $XEP $QUBIC

[ItsFrank @FrankLambeek]

Bullish structure on $TEL despite the rejection at $0.0032.

Higher lows show buyers stepping in. A strong volume breakout could easily push it toward $0.004 and beyond. Accumulation phase loading?

Telfam, let's hold the support and break this resistance! @telcoin

[The General @TelcoinGeneral]

@blocksmarter @EleanorTerrett @dom_kwok @telcoin Battle Creek… Logan Valley Investments… it’s all part of the master plan telcoin:native

[X Finance Bull @Xfinancebull]

🚨Don't miss what's building on $TEL right now. Because this might be the one of the most undervalued regulated crypto play in the entire market. 👇

Take some popcorn, this alpha is long.

Telcoin became the first company in United States history to receive a Digital Asset Depository Institution charter.

Not a trust charter. Not a money transmitter license.

A full bank charter. Signed by Nebraska's Governor in November 2025.

That charter allows Telcoin Digital Asset Bank to do things no other crypto company in America can legally do yet.

Accept crypto deposits.
Provide crypto loans.
Connect directly to Federal Reserve payment rails.
Issue regulated stablecoins.
And link U.S. bank accounts to on-chain DeFi.

All under a single banking license.

Their flagship product eUSD is live. Bank-issued. Backed by U.S. government bonds and FDIC-insured deposits. Launched on Ethereum and Polygon in December 2025. The first regulated, bank-backed dollar stablecoin in the country.

CEO Paul Neuner: "Our charter makes history, not just for Telcoin, but for the entire U.S. banking system."

The stablecoin market crossed $1 trillion in monthly transactions. The GENIUS Act just provided the federal framework.

Telcoin built its infrastructure before the legislation arrived. They're not scrambling to comply. They were designed for compliance from day one.

Now look at the distribution.

24+ mobile network operator partnerships.
171 countries.
Direct access to billions of mobile users, especially in Southeast Asia and Africa where traditional banking barely exists.
Remittance corridors worth $700B+ annually. Fees under 2%.

The CEO sat at a Mobile World Congress roundtable hosted by Accenture and GSMA alongside executives from Mastercard, Huawei, and Standard Bank.

Accenture's report predicted up to $13 trillion in transaction volume could shift from traditional banking to alternatives like telecom finance and stablecoins by 2030.

Telcoin Network mainnet is rolling out in 2026. TEL becomes the gas token with a burning mechanism. V5 wallet integrating bank accounts directly to eUSD.

Kraken listing live since January 2026. Multi-currency stablecoins expanding to Euro, Canadian Dollar, Australian Dollar, and more.

First regulated digital asset bank in America.
First bank-issued stablecoin.
Fed payment rail access.

Telecom distribution to billions. $700B+ remittance market.

And the token still sits at micro-cap valuations.

The market hasn't priced what Telcoin built.
When it does, the repricing won't be gradual.

[Maⓣthew @MrMib]

@joshworley_io … wanted to $TEL ya nice work !

[The General @TelcoinGeneral]

@Est2009182342 Almost all of the supply is in circulation. The ecosystem is going to be massive. Mobile Network Operators validating on the network, billions of mobile users sending remittances with telcoin:native as the gas, etc.

[The General @TelcoinGeneral]

Our time in the sun is very near telcoin:native