The Visa card layer is just the starting point for @AviciMoney 🏦 The full stack targets something bigger than neobanking Independent trust scores. Onchain credit lines. Mortgages funded by investor pools instead of central banks This is what infrastructure looks like when you're reducing fiat's role entirely 1/ THE BANKING GAP Wallets aren't banks. Neobanks still rely on traditional rails No real privacy. No independent credit scoring. FICO stays biased toward legacy banking behavior Stablecoins exist but can't interact with fiat systems smoothly You either stay fully onchain with no spending access, or give up custody to use traditional banking The infrastructure to bridge both doesn't exist properly Until now 2/ THE NEOBANK LAYER Avici starts with stablecoin Visa cards to gain distribution Then builds an internet neobank 10x better than regional banks: → Local card BINs for emerging markets → Smarter realtime credit lines...