what's VPay?
VPay is an AI-driven OmniBank designed for the Web3 ecosystem, providing seamless integration between fiat and cryptocurrency services. It functions as a programmable banking protocol, allowing users to manage cards, accounts, swaps, and rewards through an always-on AI agent called AVA. This agent adapts in real-time to user behavior, enabling cross-asset flexibility across fiat, crypto, and synthetic assets while ensuring global compliance. The platform's modular infrastructure supports instant token swaps from any chain, virtual cards for real-world spending, and staking of the native $VPAY token for access to loyalty tiers, waitlists, and enhanced features. VPay emphasizes privacy and decentralization, bridging Web2 and Web3 finance by tokenizing everyday banking actions. Built on Virtuals Protocol, VPay enables tokenized AI agents to engage in onchain commerce, fostering a society of productive agents that generate services autonomously. Users can stake $VPAY to participate in governance, earn rewards, and unlock offshore accounts, positioning it as a comprehensive financial hub for crypto-native users.
VPay offers limited-time free, no-fee Virtual Cards for instant crypto-to-real-world spending.
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Launches limited-time promotion offering free Virtual Cards to community members with no fees and instant claim for crypto-to-real-world spending, available in limited supply for early adopters.
Scheduled to participate in SLAM Nation BREAKOUT 2025 livestream event on December 18, 2025 at 7:00 AM EST on YouTube and X.
Released virtual card product that supports 2FA on large transactions with instant card loading and spending capabilities.
VPay adds support for more currencies for real-world spending and introduces seamless Visa card swaps functionality.
Smart wallets accumulate the token while it finds a bottom, with smart money buying as retail sellers exit due to impatience.
Ranks #5 on the Virtuals Mindshare leaderboard by Arbus AI as of December 10th, down from #4 on December 9th.
Project ranks #4 on the Virtuals Mindshare leaderboard by Arbus AI as of December 9th.
Physical cards are now being shipped to users, expanding beyond the virtual card product.
VPay gains options trading capability through TermMax on BNB Chain, allowing traders to take long/short positions with capped risk and hedge spot holdings before perpetual market listings.
Project ranks #3 on the Virtuals Mindshare leaderboard by Arbus AI.
Launches vLink for instant global payments through a single link, featuring on-chain gasless transactions powered by x402 and automatic crypto-to-USD conversion on vPay Visa cards.
Project now offers an "on-chain Cash App" product alongside existing virtual cards.
Project reports $750K in revenue, up from $150K reported on November 13th, alongside 6K+ users and 15M+ in total volume processed.
Smart money demonstrates 46%+ more buys than sells.
Current market cap stands at 10M, up from the ~$2.5M reported on October 31st.
VPay integrates $CUC from TradeOnCucumber for seamless swaps, cross-chain transfers, and real-world spending via Visa cards.
Partnership with MUTE for privacy features announced and project reports $150K in revenue. Offshore and physical cards launching soon alongside VLINK and X402 payment processing infrastructure.
Moves to #3 position in the virtuals_io Genesis Mindshare by arbusai on November 12th, improving from #4 the day prior.
VPay moves up to #4 in the virtuals_io Genesis Mindshare by arbusai, improving from its previous #5 position.
Developer serves as advisor to Avici and previously led teams at Metamask, Ray Dalio's fund, Trust Wallet, and spent years in government at Office of Secretary of Defense, Navy Intelligence, and DIA. Founder of Veil backs the project, and current market cap sits at ~$2.5M compared to competitor at ~$25M.
Plume network team supports the project.
VPay ranks #5 in the virtuals_io Genesis Mindshare by arbusai listing on October 30th.
VPAY drops 50-70% from recent tops within a couple of days as the x402 narrative corrects sharply.
$VPAY lists on Wasabi platform with 3x leverage trading and yield earning from onchain activity.
VPay gains +39.4% to lead the x402 category, which emerges as today's top performing narrative.
The VPay App launches with full neobanking functionality, enabling users to spend agent tokens via Visa and automate finances, with x402 transaction support coming soon.
VPay ranks #5 at $9M market cap in a list of the 10 most hyped projects, positioned within the x402 payment/banking narrative sector that doubled this week.
Nansen AI data shows VPay as one of the tokens smart money is buying in the current market.
VPay ranks #3 in Genesis Mindshare within the Virtuals ecosystem, up from the previous #4 position.
VPay adds three new tokens ($LILY, $MUTE, and $ARBUS) to its card platform, allowing holders to swap from any chain and spend at Visa merchants.
Ranks #4 in Genesis Mindshare within the Virtuals ecosystem, down from the previous #1 position last recorded.
Smart Money buys VPAY according to Nansen AI tracking, listed among top NeoBanks sector tokens.
VPay 1.1 launches, enabling users to spend $VIRTUAL and $VPAY anywhere Visa is accepted with multi-card support and Base top-ups, with physical cards coming soon.
Returns to #1 in Genesis Mindshare rankings within the Virtuals ecosystem, recovering from the previous #2 position.
Drops to #2 position in Genesis Mindshare rankings within the Virtuals ecosystem, down from the previous #1 position.
Moves to #1 position in Genesis Mindshare rankings within the Virtuals ecosystem, up from #2 the previous day.
Ranks #2 in Genesis Mindshare within the Virtuals ecosystem according to @arbuschirps daily rankings.
An active airdrop campaign allocates $18k in rewards for participants in the @arbuschirps program within the Virtuals ecosystem.
10M VPAY tokens ($23,240) allocated for Chirper Rewards distribution program.
Shows strong market outperformance, ranking 4th in combined social and market activity during broader market weakness.
Market cap reaches new ATH of 3.7M USD.
New partnership announced with Arbus as their 5th campaign participant.
Token unlock scheduled in 6 months with potential agent bidding functionality.