Fundamentals first. Data-driven growth. $AVICI sets a new standard for privacy-centric neobanking in the Internet Capital Markets.
Now more than ever, the time has come to back founders with a track record of delivering results. In the fast-paced age of AI, anything can be built—but agency is the enabler. Ethics and the willingness to grow collectively is now more important than ever.
Investment Thesis
$AVICI represents ownership in Avici—a distributed internet banking infrastructure merging practical crypto banking tools with decentralized ownership mechanics on Solana via MetaDAO Futarchy.
Data Verification Summary
| Category | Status | Source | Can Verify? |
|---|---|---|---|
| MetaDAO Futarchy Launch | Verified | MetaDAO records | Yes |
| Staked Supply % | Verified | On-chain | Yes |
| App Store Presence | Verified | App Store / Google Play | Yes |
| Stripe/Bridge Partnership | Partial | TechBullion, no Stripe PR | Partial |
| MAU (8.29K) | Self-Reported | Team claim | No |
| Monthly Spend ($605K) | Self-Reported | Team claim | No |
| MoonPay Partnership | Speculative | X tease only | No |
Core Team
Ram (@RamXBT)
Hands-on leader and primary driver. Bootstrapped Avici with ~$70K, rejecting traditional VC funding to ensure fair community access via MetaDAO's Futarchy. Background in gas optimizations and bridges underpins Avici's seamless UX.
Verified Team Credentials
| Credential | Status | Source |
|---|---|---|
| MetaDAO Futarchy launch | Verified | MetaDAO, multiple sources |
| On-chain trader since 2017 | Claimed | X posts |
| "Smart Money on EVM" recognition | Claimed | Self-reported |
| $70K bootstrap | Claimed | No bank/wallet proof |
| MetaDAO advisor collaboration | Verified | MetaDAO documentation |
Milestone Chronology
| Date | Milestone | Status | Source |
|---|---|---|---|
| Aug 2025 | Public Beta app launch with physical cards | Verified | Multiple sources |
| Oct 14, 2025 | MetaDAO ICO launch | Verified | MetaDAO records |
| Oct 18, 2025 | ICO close, trading begins | Verified | CoinGecko |
| Oct 18, 2025 | All-time low ($0.44) | Verified | CoinMarketCap |
| Nov 2025 | Stripe/Bridge partnership announced | Partial | TechBullion, no Stripe PR |
| Nov 10, 2025 | Viral "Official Apology" campaign (1.2M views) | Verified | IQ.wiki |
| Nov 25, 2025 | MoonPay tease on X | Speculative | X post only |
| Nov 26, 2025 | All-time high ($7.61) | Verified | CoinMarketCap |
| Nov 2025 | 100K transactions processed | Verified | BeInCrypto |
The Market Opportunity
Neobank & Crypto Payments TAM Verified
| Metric | Value | Source |
|---|---|---|
| Global neobanking market (2024) | $148.9B | Precedence Research |
| Projected 2034 | $4.4T | Precedence Research |
| Growth rate | 40.29% CAGR | Precedence Research |
| Stablecoin transaction volume (2024) | $15.6T | A16Z |
| Crypto card volume (Nov 2025) | $379M record | Dune Analytics |
On-Chain Data Verified
Token: $AVICI on Solana
Contract: BANKJm...UAmeta
Token Fundamentals
| Metric | Value | Source |
|---|---|---|
| Total Supply | ~12.9M | On-chain verified |
| Circulating | ~12.9M (99.99%) | DexScreener/Solscan |
| Token Distribution | 77.5% ICO / 22.5% LP | Whales Market |
| Team Allocation | 0% at launch | MetaDAO Futarchy |
| Staked Supply | 27.09% | On-chain verified |
| All-Time High | $7.61 (Nov 26, 2025) | CoinMarketCap |
| All-Time Low | $0.44 (Oct 18, 2025) | CoinMarketCap |
Live Token Metrics (Nov 29, 2025)
Note: These metrics are general market info only — NOT factored into Trust Score calculations.
Holder Growth
Note: Holder counts are general market info only — NOT factored into Trust Score calculations.
The MetaDAO ICO: Built with Futarchy
$AVICI launched through MetaDAO using Futarchy. Instead of the usual token sale where early insiders get sweet deals, Futarchy uses prediction markets. People literally bet money on whether proposals will make the token more valuable.
What is MetaDAO & Futarchy?
MetaDAO is the first project to actually implement Futarchy in the real world. Instead of voting on proposals, you trade in prediction markets. The market with higher predicted value wins. This is way harder to manipulate than regular voting.
Token Launch Details
| Metric | Value | Notes |
|---|---|---|
| Total Commitments | $34.2M | Overwhelming demand |
| Raised (Capped) | $3.5M | Stayed lean |
| Refund Rate | 89.8% | Discipline over greed |
| Initial Price | $0.35 | Per token |
| Initial FDV | $4.52M | Launch valuation |
| Current Price | ~$6.50 | 18x+ from launch |
| Current Market Cap | ~$80M | Strong growth |
Strategic Decision
The Avici team chose to raise only $3.5M out of $34.2M committed. This meant 89.8% of committed funds were refunded. The team prioritized staying lean and executing well over maximizing fundraise.
Products for Users
Avici App (iOS & Android)
- Instant Wallet: Non-custodial smart setup with account abstraction and passkeys
- Smart Token Support: Handles thousands of tokens with gasless swaps
- Visa Cards: Unlimited virtual + metal cards; Apple/Google Pay integration
- Fiat Fusion: USD/EUR accounts via Stripe/Bridge; SEPA, ACH, Wire support
- Yield Engine: Auto-earnings on holdings, bypassing DeFi complexity
- Privacy Core: Zero tracking/sales; ZK proofs in pipeline for Phase 3
App Store Metrics Verified
| Platform | Ratings | Score | Downloads |
|---|---|---|---|
| iOS | Limited | 4.9/5 | Not disclosed |
| Android | Limited | — | 10K+ |
User Growth Metrics Self-Reported
Strategic Partnerships
| Partner | Type | Status | Outcome |
|---|---|---|---|
| Stripe/Bridge | Fiat rails | Announced | USD/EUR accounts live (claimed) |
| Rain | Card issuance | Claimed | Visa cards in-app |
| MoonPay | Payment infrastructure | Speculative | X tease only, no confirmation |
| MetaDAO | Governance | Verified | Futarchy infrastructure |
MoonPay Speculation Risk
The 1,700% price surge in November was driven by MoonPay speculation. If partnership doesn't materialize, expect significant retrace. No official confirmation exists.
Risks to Monitor
| Risk | Severity | Details |
|---|---|---|
| Metal Cards Unproven | HIGH | ZERO user unboxing photos, Reddit proof, or shipment confirmations |
| MoonPay Speculation | HIGH | 1,700% price surge driven by X teases, not official announcements |
| Self-Reported Metrics | HIGH | No independent audit of MAU, spend volume, or retention |
| Stripe Dependency | MEDIUM | Business model collapses if Stripe/Bridge partnership ends |
| Liquidity Risk | MEDIUM | $2.5M DEX liquidity at ~$80M market cap |
| Team Anonymity | MEDIUM | Ram is semi-public; limited institutional credibility |
Trust Score Breakdown
| Category | Score | Max | Notes |
|---|---|---|---|
| On-Chain Data | 15 | 20 | Staking verified (27%); treasury not public |
| Product/Traction | 15 | 30 | App live, 100K txns verified; MAU unverified |
| Team/Backing | 12 | 20 | MetaDAO verified; team semi-anonymous |
| Tokenomics | 12 | 15 | 0% team allocation, 27% staked |
| Community | 7 | 15 | Growing but metrics self-reported |
| TOTAL | 61 | 100 | Moderate Trust |
Note: Token Price/MC, Holders Count, and Liquidity/Volume are general market info and NOT factored into Trust Score calculations.
ICM Analytics Outlook
Conclusion
$AVICI represents a credible thesis at the intersection of three verified mega-trends: self-sovereign finance, crypto payments ($15.6T stablecoin volume), and tokenized ownership via Futarchy.
The Verification Challenge
The gap between claimed metrics (8.29K MAU, $605K spend) and independently verifiable data (100K November transactions via BeInCrypto) is the central question. If claims prove accurate and partnerships materialize, significant upside remains. If MoonPay proves to be hype and metal cards don't ship, downside is substantial.
Position Sizing Recommendation
Given verification gaps, position sizing should reflect uncertainty. This is an asymmetric bet on the team's ability to close the gap between claims and verifiable metrics.
The fundamentals thesis is sound. The execution verification is pending.
Disclaimer: This is not financial advice. $AVICI is a high-risk, speculative asset. Never invest more than you can afford to lose. Always verify claims independently before making investment decisions.