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Better than an exchange. Smarter than a bank. Now taking it a step further with x402. Finance was never meant to stay trapped and restrictive. We built the missing layer, where crypto becomes spendable, programmable, and intelligent. With the VPay App, users can: 💳 Create limitless offshore USD accounts...

91,839 görüntüleme • 9 ay önce •via X (Twitter)

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Introducing VPay | The Intelligent OmniBank Built for people who expect more from their money, and less from their banks. Here’s what VPay offers (or at least what we’re ready to show) 👇🏻 🔹 Offshore USD Accounts Open a fully compliant USD account from anywhere in the world. Borderless banking. IBAN & SWIFT support coming soon. 🔹 Virtual & Physical Debit Cards Spend crypto or fiat globally, $VPay, stables, even your $Virtuals. Online or offline, KYC-compliant, and accepted anywhere Visa is. 🔹 Crypto + Fiat Payments Seamlessly on/off-ramp USDC, USDT, and ETH, built-in and effortless. 🔹 Smart Mobile App One dashboard to manage your entire financial life. Cards, accounts, alerts, agents, payments, and assets, all in one place. 🔹 Volder | Portfolio Tracker Track tokens, NFTs, stocks, and traditional bank balances. Full-spectrum asset visibility across Web2 and Web3. 🔹 vAssets | Synthetic Asset Trading (Yes, Robinhood beat us to it, we know) Trade on-chain representations of real-world assets, stocks, gold, FX, pegged to their real value and instantly available. Now, why launch on Virtuals Protocol? Because of AVA, our flagship product. The Applied Value Agent. Unlike most agents, AVA doesn’t wait for prompts. She learns, adapts, and acts before you even ask. Here’s what she does: — Learns your financial behavior — Tracks expenses and spending patterns — Flags risks and unusual activity — Finds better prices and discounts before you purchase — Sends smart alerts for token prices, flights, product drops — Integrates across Web2 and Web3 for total visibility VPay isn’t just a better bank. It’s a smarter one. Driven by AI, built on crypto-native infrastructure powered by biptap and aligned with the values of modern finance. We’ve been building quietly. We’re launching soon.

VPay

32,703 görüntüleme • 1 yıl önce

vPay offshore accounts and physical cards have been getting field-tested IRL for a while now, and we’ll open them to the public as soon as we’re fully confident in the UX. But before offshore accounts go public, I want to address a few points: Some might point out that - vPay isn’t the first crypto card - vPay doesn’t have the lowest fees - So why choose vPay instead of the Coinbase 🛡️ Card or MetaMask 🦊 Card or KAST or or Tria, or any of the other big names? Now to address: Privacy | The biggest differentiator that sets vPay completely apart is Private Banking. The majority of the crypto card providers on the market use Rain infra. Even if you’ve never heard of them, that's what your favorite "NeoBank" uses. And due to their legal jurisdictions, they will report your finances to authorities since they're CRS and FACTA compliant. We are not. As an OmniBank, we work with different banking partners, and although KYC is required to use our services, our offshore banks are non-CRS and non-FACTA. Tax reporting is the responsibility and choice of the user. Offshore Accounts vs Physical Cards | I've tried to highlight this a few times so far. vPay has 3 offerings on the banking side of things. Virtual cards - live now. Physical cards - coming Q1 2026. The first two are similar to what everyone else on the market offers. The offshore accounts are not. which are coming this week. They allow unlimited spending, ATM withdrawals, and international SWIFT transfers, which very few “Neobanks” provide. Offshore accounts are coming this week. Self-Custody | We're not 100% non-custodial yet, as that is near impossible at the moment but it's something we're working towards. And we try to keep the users' self-custodial wallets in the loop as much as possible for maximum control. Those who have tried the vPay app know that almost every move asks for permission from their wallet, and we always encourage users to keep their funds in their non-custodial wallets until the very last moment, since our top-ups usually only take seconds to a minute to process. Fees | All of the card providers mentioned above either raised millions from VCs or in presales or have a huge org backing them. We have neither. vPay was self-funded and community-owned since day 1, launched under Virtuals Protocol Genesis V1 launch model, an objectively bad launch model and hugely unfavorable toward project teams. So even though vPay has been generating revenue and profitable from early on, we do not have the luxury of offering 0% fees yet, since they're mostly a marketing gimmick paid for by millions in VC money and not a sustainable business model for early-stage companies. What we're working towards instead, is true co-ownership of vPay and revenue-share with users. OmniBank vs NeoBank | I’m not a fan of the term “NeoBank.” It implies just a bank, but make it crypto. That’s not vPay. Our goals have always been clear: A) Anything and everything users need to do with their money and assets, both Web2 and Web3, all in one hub. Powered by a constellation of partner agents. The cards and the bank accounts are just the foundation. B) To eventually build independent financial rails for crypto and decouple from the chokehold of Visa/Mastercard. vLink is the first step toward this vision. This turned out to be a rather long tweet, but context matters. Questions and feedback welcome in replies or DMs. See you all with your vPay vCards very soon.

The Dude

20,558 görüntüleme • 8 ay önce