VPay is the first AI-powered OmniBank purpose-built for Web3-native finance, combining traditional banking features like USD accounts and card issuance with intelligent automation and tokenized utility via the Virtuals Protocol.
Meet AVA, your Applied Value Agent. She doesn’t wait for commands; she observes, learns, and acts. From spotting better prices before you checkout, to flagging unusual activity, to catching token moves and travel deals before they hit your radar, AVA is always steps ahead.
VPay isn’t just a neobank with crypto features. It’s an entirely new financial layer built for the realities of Web3. While others patch legacy systems, VPay is architected from the ground up with intelligent automation, cross-asset flexibility, and global compliance at its core.
Cards, accounts, swaps, rewards, all powered by AVA, our Always-on AI agent that adapts in real time and evolves with your behavior. Backed by a modular infrastructure stack, VPay seamlessly bridges fiat, crypto, and synthetic assets all in one place.
$VPay is your passport to the world’s first AI-driven, programmable banking protocol. Here’s what holding $VPay unlocks:
Stake for loyalty tiers, access levels, and referrals
Stake to Join Waitlists for Offshore Accounts & Cards
Early access to AVA
Boost cashback, card perks, and transaction limits