El incremento de las ventas beta de Tria por 20 millones de dólares: la forma en que los neobancos autogestivos están acelerando la adopción de la financiación on-chain

The onchain finance revolution is no longer a distant promise-it is a present-day reality, driven by platforms like Tria, a self-custodial neobank that has captured the attention of investors and users alike. In its first three months of a closed beta, Tria processed $20 million in onchain volume, outpacing early competitors by 13x. This surge is not an anomaly but a symptom of a broader shift: self-custodial neobanks are redefining how consumers interact with digital assets, abstracting complexity while preserving control. As the market for onchain neobanking is projected to grow from $149 billion in 2024 to $4.4 trillion by 2034, Tria's success highlights a critical inflection point in the adoption of blockchain-based financial infrastructure.

Tria's Beta Surge: A Case Study in User-Centric Design

Tria's rapid traction stems from its ability to solve two of crypto's most persistent pain points: usability and accessibility. By enabling seamless cross-chain transactions without gas fees or bridges, the platform allows users to spend digital assets in 150+ countries as easily as a traditional bank card. This is achieved through a self-custodial model that eliminates intermediaries while maintaining full user control over private keys.

Strategic activation efforts, such as the Tria Treasure campaign, further amplified growth. By rewarding users for daily purchases, the platform demonstrated the power of gamification in onchain finance. Tria's ability to hit a $1 million daily spend milestone in November 2025 underscores its potential to scale beyond early adopters into the mainstream market.

The Rise of Self-Custodial Neobanks: A Structural Shift in Finance

Tria's success is emblematic of a larger trend: self-custodial neobanks are becoming the bridge between decentralized finance (DeFi) and traditional banking. These platforms combine the security and autonomy of blockchain with the user-friendly interfaces of modern fintech apps. For instance, Plasma One, another stablecoin-native neobank, offers over 10% annual yields on balances and 4% cashback on debit card spends. Such innovations are not only attracting retail users but also reshaping institutional perceptions of crypto's utility.

The market's projected expansion to $4.4 trillion by 2034 is fueled by several factors. First, regulatory clarity-such as the EU's MiCA framework and the U.S. GENIUS Act-has created a more favorable environment for crypto-based services according to Chainalysis. Second, the elimination of cross-border friction through onchain rails is making digital assets viable for everyday transactions. Third, hybrid models that blend DeFi tools with traditional banking features are addressing skepticism around volatility and complexity.

Regulatory and Institutional Tailwinds

2025 marked a turning point in institutional adoption of onchain finance. The U.S. Treasury's conditional approval of national trust bank charters for crypto firms like Circle and BitGo has enabled these entities to custody stablecoin reserves directly. Meanwhile, initiatives like JPMorgan's MONY tokenized money market fund and Singapore's Project Guardian demonstrate how legacy institutions are integrating blockchain into their infrastructure.

Regulatory developments, however, remain a double-edged sword. While frameworks like MiCA provide structure, discrepancies in national interpretations and technical integration challenges persist. Nonetheless, the growing alignment between regulators and innovators suggests that self-custodial neobanks will continue to gain legitimacy, particularly as they address financial inclusion gaps in underserved markets.

Investment Implications: A $4.4 Trillion Opportunity

For investors, Tria's beta surge and the broader rise of self-custodial neobanks signal a high-conviction opportunity. The platform's focus on cross-chain usability, coupled with its expansion plans into markets like Argentina and Nigeria, positions it to capitalize on both macroeconomic instability and the global shift toward digital finance.

Moreover, the structural shift toward onchain finance is being driven by a confluence of factors:
1. User Demand: Consumers increasingly expect financial tools that are as intuitive as their digital experiences.
2. Regulatory Momentum: Clearer guidelines are reducing friction for institutional participation.
3. Technological Maturity: Innovations in blockchain infrastructure (e.g., BestPath AVS) are enabling scalable, low-cost solutions.

As onchain neobanks mature, they are likely to disrupt traditional banking models by offering higher yields, faster transactions, and programmable money. Tria's early traction suggests it is well-positioned to lead this transition, provided it maintains its focus on user experience and regulatory compliance.

Conclusion

Tria's $20 million beta surge is more than a product success-it is a harbinger of a new financial paradigm. By democratizing access to onchain assets and abstracting complexity without compromising control, self-custodial neobanks are accelerating the mainstream adoption of blockchain. With favorable regulatory tailwinds, institutional validation, and a $4.4 trillion market ahead, the time to invest in this transformation is now.