The Rise of Onchain Neobanks: A $365M Self-Custody Revolution Reshaping Crypto Finance

The self-custodial finance sector is undergoing a seismic shift, driven by the emergence of onchain neobanks that blend blockchain infrastructure with AI-driven personalization. Platforms like Superform, Tria, and Veera are at the forefront of this $365M revolution, redefining how users interact with decentralized financial systems. While traditional finance struggles with intermediaries and opaque processes, these startups are building infrastructure that prioritizes user control, interoperability, and automation. This analysis evaluates their investment potential, focusing on their funding trajectories, market positioning, and AI integration strategies.

The Market: A Convergence of Self-Custody and AI

The self-custodial finance market is expanding rapidly, fueled by demand for user-owned assets and seamless cross-chain interactions. According to a report by , AI adoption in finance is accelerating, with institutions allocating $35 billion in 2023 alone to AI initiatives. By 2025, over 75% of large banks are expected to fully integrate AI, signaling a broader shift toward automation and data-driven decision-making. While the generative AI in banking market is projected to reach $1.676 billion in 2025, the self-custody sector-though less quantified-appears to be growing in tandem, with startups like Tria, Superform, and Veera capturing significant traction.

Tria: Building a Neobank for Humans and AI Agents

Tria has positioned itself as a pioneer in self-custodial banking, securing $12 million in pre-seed and strategic funding from P2 Ventures, Aptos, and executives from Polygon and the Ethereum Foundation. Its platform eliminates gas fees, bridges, and seed phrases, enabling users to transact across 250,000+ users and 70+ protocols via its BestPath AVS interoperability layer. Beyond human users, Tria is uniquely focused on AI agents, envisioning a future where autonomous systems execute on-chain transactions. This dual focus aligns with the broader trend of AI-driven finance, where and Bank of America's are already reshaping client-facing services.

Tria's roadmap includes a public allocation round to allow users to own a stake in the neobank, a move that could democratize access to its infrastructure while fostering community governance. However, the platform's success hinges on the adoption of AI agents-a nascent but rapidly evolving space. Risks include regulatory uncertainty around autonomous systems and competition from established players like Backbase and Q2 Holdings, which dominate the digital banking platform market.

Superform: Cross-Chain Yield Aggregation and Capital Efficiency

Superform has raised $10.4 million in funding since 2024, including a $6.5 million seed round led by Polychain Capital and a $4.7 million token sale in December 2025. The platform's cross-chain yield aggregation model has achieved a TVL of $144 million, reflecting strong capital efficiency and user trust. Superform's strategy emphasizes scalability and interoperability, leveraging AI to optimize yield strategies and automate portfolio management.

A key differentiator is its Supervaults feature, which allows users to deploy assets across multiple chains while minimizing friction. This aligns with the growing demand for embedded finance and cloud-native solutions. However, Superform's reliance on TVL exposes it to market volatility, and its token sale model may face scrutiny from regulators. The company's recent community funding round suggests a commitment to decentralization, but balancing governance with operational agility will be critical.

Veera: Hypergrowth and AI-Driven Personalization

Veera has emerged as a standout in user acquisition, reaching 4 million users by late 2025. While less transparent about its funding rounds compared to Tria and Superform, Veera's growth metrics indicate strong market validation. The platform appears to be leveraging AI for hyper-personalized financial services, and . By integrating AI-driven budgeting, robo-advisory tools, and behavioral nudging, Veera is positioning itself to capture the retail segment of self-custodial finance.

However, sustaining user engagement in a crowded market will require continuous innovation. Veera's lack of detailed public funding history raises questions about its capital efficiency, though its user base suggests a viable product-market fit. The company's ability to integrate AI without compromising privacy will be a key determinant of long-term success.

Investment Considerations: Opportunities and Risks

The self-custodial neobanking sector offers compelling upside, but investors must weigh several risks:
1. Regulatory Uncertainty: AI-driven transactions and tokenized governance models may face scrutiny from regulators, particularly in jurisdictions with strict financial oversight.
2. Competition: Traditional fintech players and blockchain incumbents are rapidly adopting AI, intensifying pressure on startups to differentiate.
3. Scalability: Platforms like Tria and Superform must prove their infrastructure can handle mass adoption without compromising security or performance.

Conversely, the sector's alignment with macro trends-decentralization, AI adoption, and embedded finance-creates a favorable long-term outlook. Tria's focus on AI agents, Superform's capital efficiency, and Veera's user growth each represent distinct but complementary value propositions.

Conclusion

The $365M self-custody revolution is not a monolithic trend but a confluence of technological and financial innovations. Tria, Superform, and Veera each offer unique pathways to reshaping crypto finance, though their risks and rewards vary. For investors, the key lies in identifying which platforms can sustain their momentum while navigating regulatory and competitive headwinds. As AI and blockchain continue to converge, the winners will be those that balance innovation with pragmatism-a challenge these startups are only beginning to address.