Your Crypto is Stuck in Your Wallet#

You’ve accumulated cryptocurrency hoping to use it like real money, but the reality is harsh. Despite Bitcoin launching 17 years ago as electronic cash, you still can’t pay rent with crypto, receive your salary in stablecoins, or get a mortgage without traditional banks. Your digital assets sit idle in wallets while you remain dependent on the same financial institutions crypto was meant to replace. The infrastructure for living fully onchain simply doesn’t exist yet.

Avici Turns Your Crypto into Spendable Money#

Avici is building the missing link between cryptocurrency ownership and real-world spending. Through self-custodial wallets connected to Visa cards accepted at millions of merchants worldwide, you can finally spend your crypto while maintaining complete control of your funds. Over 5,000 users are already spending their cryptocurrency through Avici’s cards, with the platform processing over $1.2 million in real transactions. This is how crypto becomes actual money, not just an investment collecting dust.

What is Avici coin?#

What does Avici do?#

Self-Custodial Banking Infrastructure: Avici combines cryptocurrency self-custody with traditional banking convenience. Users maintain complete control of their funds at all times while accessing Visa card payments accepted at millions of merchants globally. The platform never has access to user assets, ensuring true sovereignty over your money while delivering banking-level user experience.

Crypto-to-Fiat Payment Cards: The platform offers both physical cards delivered to your door and virtual cards set up in two minutes. Both support Apple Pay and Google Pay for tap-to-pay functionality. Users top up cards with cryptocurrency holdings, and Avici handles crypto-to-fiat conversion automatically at purchase time. Multiple cards can be created for different spending categories like subscriptions, groceries, or travel, all funded from self-custodial wallets.

Global Banking Accounts: Through strategic partnership with Stripe’s Bridge infrastructure, Avici provides globally accessible USD and EUR banking accounts not limited to US or European residents. Users receive salary deposits, hold fiat balances, convert to stablecoins, and access SEPA instant transfers. All balances settle into Avici’s smart contract accounts, enabling one-click deposits to any EUR IBAN for paying rent or sending money via traditional European banking rails.

Zero Fee Structure: The platform eliminates gas fees, interchange fees for users, and maintains transparent onchain operations with low-fee swaps. Despite this no-fee approach, cardholders receive premium Visa benefits including airline miles, complimentary auto rental insurance, luxury travel perks like room upgrades and free breakfast, exclusive dining discounts, 24/7 emergency medical assistance worldwide, and comprehensive protection insurance for trip cancellations and lost luggage.

Future Credit Infrastructure: The roadmap extends into comprehensive financial services including onchain credit scoring using zero-knowledge proofs to replace traditional FICO scores. This privacy-preserving approach enables unsecured loans and mortgages without traditional banks. Additional planned features include business cards and accounts, local currency cards for multiple regions, smart contract accounts for institutional users, and automated financial management through agent-driven tools.

Who are behind Avici?#

Sitaram Kakarlamudi (Ram) - Founder & CEO

• Twitter: @RamXBT
• Previously worked on gaming and wallet infrastructure
• Serves as public face articulating vision for global, user-owned banking layer
• Leads overall strategy and business development

Abhishek - Co-Founder

• Twitter: @0xatiwari
• Leads smart contract architecture and wallet engineering
• Focuses on technical infrastructure and blockchain development
• Responsible for self-custody model that maintains accessibility for mainstream users

Varun - Co-Founder

• Twitter: @orseliyas
• Drives mobile and product experience design
• Ensures app delivers on two-minute setup promise
• Handles complex cryptocurrency operations behind simple user interface

Company Structure:

• Legal entity: Avici Inc. (also operates as Higin Inc. for development)
• Registered in Delaware at 651 N Broad St, Suite 201, Middletown, 19709
• Launched public beta in August 2025
• Successfully raised $3.5 million in October 2025 MetaDAO ICO

Why This Team Inspires Confidence#

Zero Team Token Allocation: The founding team retained zero tokens from the 12.9 million total supply, eliminating the most common vector for founder self-dealing and rug pulls. This unprecedented transparency aligns incentives directly with the community rather than enriching founders at user expense.

Proven Product Traction: The team launched with actual users and revenue rather than just promises. By the October 2025 ICO, the platform had already processed over $1.2 million in Visa card spending from 5,000 active cardholders maintaining a 70% retention rate. This demonstrates execution ability beyond typical crypto projects that launch with only whitepapers.

Strategic Partnership Execution: The team secured partnerships with established players including Stripe for global banking rails and Visa for worldwide payment acceptance. These relationships provide regulatory compliance and traditional finance integration that most crypto projects cannot achieve, suggesting institutional validation of the team’s capabilities.

Transparent Fundraising: Despite receiving $34.2 million in ICO commitments, the team capped the raise at $3.5 million and refunded 89.8% of committed capital to maintain reasonable valuation. This restraint is extremely rare in crypto, where teams typically maximize capital raises regardless of dilution effects on token holders.

Technical Blockchain Selection: The team’s choice to build exclusively on Solana reflects deliberate technical decision-making. Their documentation states Solana “comes closest to solving the blockchain trilemma of decentralization, performance, and censorship resistance,” providing the scalability, minimal transaction costs, sub-second finality, and high throughput necessary for payment processing that feels instant.

MetaDAO Governance Structure: The team operates under MetaDAO’s futarchy governance where they receive only $45,000 monthly allowances and must seek DAO approval for larger withdrawals. This creates forcing function where continued value delivery is required to maintain funding rather than raising capital and disappearing like many crypto projects.

Why should I buy Avici?#

1. Working Product with Real Revenue

Avici is definitively a utility token with actual product generating measurable revenue, not speculative memecoin. The $1.2 million in card spending, 70% retention rate, and 5,000 active cardholders provide tangible evidence of users finding value beyond token price appreciation. Platform revenue comes from standard Visa interchange fees of approximately 1.5-2% on transactions, creating sustainable business model rather than relying entirely on token speculation.

2. Massive Market Opportunity

The project targets the entire $2+ trillion cryptocurrency market with product solving fundamental adoption problem: crypto’s utility as actual money rather than just investment asset. While dozens of crypto neobanks compete for market share, few combine global fiat account access with true self-custody, especially on Solana’s high-performance infrastructure. Avici occupies unique position in fintech-crypto convergence where traditional banks still dominate because crypto hasn’t delivered usable banking alternatives.

3. Rug-Pull Protection Through Tokenomics

The zero team token allocation means founders cannot dump holdings on community. Team receives only $45,000 monthly from DAO treasury unless governance votes approve more. The 89.8% ICO refund demonstrates prioritization of sustainable valuation over short-term capital raises. MetaDAO’s futarchy governance adds additional anti-rug mechanisms proven effective across multiple launches, with platform projects averaging 8.6x all-time high ROI.

4. Strong Early Performance

Token launched with explosive initial performance reaching all-time high ROI of 13.25x, making it second-best performing token from October 2025 launchpad launches. Token hit all-time high of $2.65 on October 27, 2025, just nine days after ICO concluded. Currently trading with 7x ROI from initial offering price, demonstrating market recognition of project value beyond typical post-launch dumps.

5. Growth Trajectory and Network Effects

High retention rates indicate product-market fit rather than one-time curiosity. Monthly growth of 35% suggests organic adoption rather than purely paid acquisition. As Avici expands into credit products, it unlocks additional revenue streams beyond interchange fees. Global availability and focus on underbanked populations in emerging markets create addressable market far larger than developed-world crypto enthusiasts.

6. Technical Innovation Beyond Payments

Avici is developing highly programmable smart contract accounts designed to overcome current Solana smart wallet limitations. The “programmability over multisig” philosophy implements timed approvals, transaction whitelists, layered policies, and protection against arbitrary proxy upgrades while reducing compute costs. This infrastructure could have implications for broader Solana ecosystem beyond Avici’s banking application.

7. Competitive Positioning in Growing Sector

The “crypto neobank narrative” is heating up in 2025 with over 50 competitors globally. Avici’s self-custody model differentiates from traditional neobanks like Revolut (30 million users) that maintain full custody of funds. Early traction with 5,000 cardholders and 70% retention suggests potential for network effects where users onboard friends and family, creating self-sustaining adoption flywheel.

How to buy Avici?#

To purchase Avici tokens, you’ll need to move your Solana from central exchanges like Binance to GMGN Solana wallet and swap for AVICI.

Buy AVICI on GMGN

GMGN provides seamless trading experience for Solana tokens with real-time price tracking, liquidity pool information, and secure swap functionality. The platform offers transparent pricing and low slippage for AVICI trades, making it the reliable choice for entering this emerging crypto banking ecosystem.