VPay ($VPAY)

VPay ($VPAY) image

Recent developments:

35% of the initial token allocation is held by the creator.

Creator token stats last updated: Jun 4, 2025 10:33

The following is generated by an LLM:

Summary

AI-powered Web3 banking with card issuance and synthetic asset trading

Analysis

VPay ($VPAY) aims to merge traditional banking services with Web3 finance via an AI-powered OmniBank. The creator holds 35% of tokens (350M), which is substantial but below the 50% threshold. Token utility includes staking for waitlist access, loyalty tiers, and fee payments. The roadmap is structured, but regulatory compliance claims lack concrete details. Team members list affiliations but lack verifiable credentials or legal entity transparency. The 35% creator allocation introduces centralization risk, though tokenomics show locked linear releases for team/dev allocations. No immediate rug pull indicators, but users should confirm lockup status for the creator's 350M tokens. The project's ambition to bridge Web2/Web3 finance is innovative but faces execution complexity and regulatory uncertainty.

Rating: 4

Generated with LLM: deepseek/deepseek-r1

LLM responses last updated: Jun 4, 2025 10:33

Original investment data:

# VPay ($VPAY) URL on launchpad: https://app.virtuals.io/geneses/3938 Launched at: Wed, 04 Jun 2025 09:48:51 GMT Launched through the launchpad: Virtuals Protocol Launch status: GENESIS ## Token details and tokenomics Token symbol: $VPAY Token supply: 1 billion Creator initial number of tokens: Creator initial number of tokens: 350,000,000 (35% of token supply) ## Creator info Creator address: 0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7 Creator on basescan.org: https://basescan.org/address/0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7#asset-tokens Creator on virtuals.io: https://app.virtuals.io/profile/0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7 Creator on zerion.io: https://app.zerion.io/0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7/overview Creator on debank.com: https://debank.com/profile/0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7 ## Description at launch 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. At its core is AVA (Applied Value Agent), an AI assistant that learns user behavior in real time to deliver personalized insights, track spending, find discounts, and set smart alerts. ## Overview # VPay | The Intelligent OmniBank *Virtually Everywhere* ## **Overview** VPay is the world’s first AI-powered OmniBank built from the ground up for Web3-native finance. It merges robust traditional banking services with intelligent automation and tokenized utility through the Virtuals Protocol. As a decentralized infrastructure layer, VPAY enables global financial empowerment without compromise. Users can create USD accounts, issue cards, interact with AI agents, and access programmable finance under a secure, compliant, and scalable architecture. VPay’s AI Agent, known as **AVA (Applied Value Agent)**, is the intelligent core of the platform, designed to make finance not just easier, but smarter. AVA analyzes user behavior in real time, learns spending patterns, and provides personalized financial insights without requiring manual input. In its first version, AVA tracks expenses, suggests optimized budgets, flags unusual transactions, and finds better prices or discounts before a purchase is completed, acting as a real-time financial advisor. It also allows users to set proactive alerts for flights, product drops, token prices, and more. Future iterations will deepen contextual awareness, enabling AVA to anticipate user needs, automate complex tasks, and integrate seamlessly with both Web2 and Web3 assets for holistic portfolio management.&#x20; ![Vcard](https://i.imgur.com/4eTWBQb.png "Vcard") ## **Core Functions** **Global Compliance Engine:** Modular, region-specific KYC/AML system for seamless onboarding. **Virtual & Physical Debit Cards:** Spend fiat or crypto anywhere, online or offline, with full KYC compliance. **Offshore Bank Accounts:** Remotely create your own individual offshore bank account with possible SWIFT and IBAN functionalities **Smart Mobile App:** Unified dashboard for payments, budgeting, alerts, and financial insights. **AI-Powered Financial Assistant (AVA):** Tracks spending, suggests budgets, finds deals, and sets smart alerts. **Web2 + Web3 Portfolio Tracker (Volder):** Monitor and manage all assets, bank accounts, tokens, NFTs, and stocks in one place. **Synthetic Asset Trading (vAssets):** Buy and trade synthetic representations of real-world assets like stocks, commodities, and currencies. **Branded Card Partnerships:** Co-branded and customized debit cards issuance for Virtuals projects for community engagement. **Proactive Financial Automation:** From pre-checkout price hunting to post-purchase analysis, VPay automates smarter financial decisions. ## **Roadmap** #### **Epoch 1 – The Foundation** * AI Logic Architecture (Alpha) * Compliance Engine (Pilot) * Ecosystem Preparations * Infrastructure Readiness #### **Epoch 2 – Play Your Cards Right** * Offshore Card Waitlist Opens * Genesis Launch * Community Onboarding & KYC * Virtual Card Issuance * Physical Card Rollout #### **Epoch 3 – AI: Actionable Intelligence** * Smart Mobile App Launch * **AVA (Applied Value Agent) v1** * Tracks spending habits and budgeting patterns * Finds discounts and better deals before checkout * Sets alerts for flights, items, tokens, and more #### **Epoch 4 – Beyond** * **Volder** – First-ever Web2 + Web3 portfolio tracker with AI insights * **vAssets** – Trade synthetic tokens representing real-world assets (e.g. commodities, stocks, currencies) * Co-branding with top-tier Virtuals projects for branded debit card partnerships * **AVA (Applied Value Agent) v2** ![VApp](https://i.imgur.com/j9UH8zw.jpeg) ## **Infrastructure Stack** | Layer | Stack Detail | | ------------------- | --------------------------------- | | USD Bank Layer | Offshore Account Backend | | Card Infrastructure | Physical & Virtual Issuance Logic | | Crypto Integration | On/Off-ramp for USDC, USDT, ETH | | AI Agent Layer | AVA (Applied Value Agent) | | Admin Interface | Agent-Controlled Dashboards | | API Access | REST & GraphQL Extensions | | Compliance Stack | VPay-Native KYC/AML Processing | ## **$VPay Token Utility** * Stake to Join Waitlists for Offshore Accounts & Cards * Early access to agentic features * Stake for loyalty tiers, access levels, and referrals * Boost cashback, card perks, and transaction limits * Pay fees ## **Legal & Compliance** All accounts and cards are created through automated, compliant onboarding. Users must pass identity verification managed by the VPay. All fiat and crypto flows are monitored by real-time AML logic. Regulatory disclosures and jurisdictional limitations are enforced by programmable rules. # ## Additional information extracted from relevant pages <fetched_info> """ https://i.imgur.com/4eTWBQb.png Skipped image/binary URL (https://i.imgur.com/4eTWBQb.png) - likely not text content """ """ https://i.imgur.com/j9UH8zw.jpeg Skipped image/binary URL (https://i.imgur.com/j9UH8zw.jpeg) - likely not text content """ """ [Creator profile on Virtuals Protocol](https://api.virtuals.io/api/profile/0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7) { "data": { "id": 369015, "displayName": null, "bio": "Jarrett Goh \r\n\r\nGeneral Manager of BipTap | Strategic Advisor to MEW | Dogelonmars PR", "avatar": { "id": 36972, "name": "ChatGPT Image May 28, 2025, 12_13_32 AM.png", "alternativeText": null, "caption": null, "width": 1024, "height": 1024, "formats": { "large": { "ext": ".png", "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/large_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477.png", "hash": "large_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477", "mime": "image/png", "name": "large_ChatGPT Image May 28, 2025, 12_13_32 AM.png", "path": null, "size": 937.15, "width": 1000, "height": 1000 }, "small": { "ext": ".png", "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/small_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477.png", "hash": "small_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477", "mime": "image/png", "name": "small_ChatGPT Image May 28, 2025, 12_13_32 AM.png", "path": null, "size": 252.63, "width": 500, "height": 500 }, "medium": { "ext": ".png", "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/medium_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477.png", "hash": "medium_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477", "mime": "image/png", "name": "medium_ChatGPT Image May 28, 2025, 12_13_32 AM.png", "path": null, "size": 583.37, "width": 750, "height": 750 }, "thumbnail": { "ext": ".png", "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/thumbnail_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477.png", "hash": "thumbnail_Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477", "mime": "image/png", "name": "thumbnail_ChatGPT Image May 28, 2025, 12_13_32 AM.png", "path": null, "size": 29.88, "width": 156, "height": 156 } }, "hash": "Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477", "ext": ".png", "mime": "image/png", "size": 200.75, "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477.png", "previewUrl": null, "provider": "aws-s3", "provider_metadata": null, "folderPath": "/", "createdAt": "2025-06-04T10:05:23.077Z", "updatedAt": "2025-06-04T10:05:23.077Z" }, "userSocials": [ { "id": 407204, "provider": "phantom", "walletAddress": "0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7", "metadata": null } ], "socials": { "VERIFIED_LINKS": { "TWITTER": "https://x.com/Vpayagent" } } } } """ </fetched_info> <full_details> { "id": 29233, "uid": "f86cbd9f-c4d9-49e3-a6e3-d78359438910", "createdAt": "2025-06-04T09:48:51.447Z", "walletAddress": "0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7", "name": "VPay", "description": "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. At its core is AVA (Applied Value Agent), an AI assistant that learns user behavior in real time to deliver personalized insights, track spending, find discounts, and set smart alerts. ", "sentientWalletAddress": null, "category": "IP MIRROR", "role": "PRODUCTIVITY", "daoAddress": null, "tokenAddress": null, "virtualId": null, "status": "GENESIS", "symbol": "VPAY", "lpAddress": null, "veTokenAddress": null, "totalValueLocked": null, "virtualTokenValue": null, "holderCount": null, "mcapInVirtual": null, "preToken": null, "preTokenPair": null, "aidesc": null, "firstMessage": null, "socials": { "VERIFIED_LINKS": { "TWITTER": "https://x.com/VPAY_Global", "WEBSITE": "https://vpay.fund/" } }, "tbaAddress": null, "chain": "BASE", "mainVirtualId": null, "top10HolderPercentage": null, "level": null, "valueFx": 0, "priceChangePercent24h": 0, "volume24h": 0, "mindshare": null, "migrateTokenAddress": null, "lpCreatedAt": null, "stakingAddress": null, "agentStakingContract": null, "overview": "# VPay | The Intelligent OmniBank\n\n\n\n*Virtually Everywhere*\n\n\n\n## **Overview**\n\n\n\nVPay is the world’s first AI-powered OmniBank built from the ground up for Web3-native finance. It merges robust traditional banking services with intelligent automation and tokenized utility through the Virtuals Protocol. As a decentralized infrastructure layer, VPAY enables global financial empowerment without compromise. Users can create USD accounts, issue cards, interact with AI agents, and access programmable finance under a secure, compliant, and scalable architecture.\n\nVPay’s AI Agent, known as **AVA (Applied Value Agent)**, is the intelligent core of the platform, designed to make finance not just easier, but smarter. AVA analyzes user behavior in real time, learns spending patterns, and provides personalized financial insights without requiring manual input. In its first version, AVA tracks expenses, suggests optimized budgets, flags unusual transactions, and finds better prices or discounts before a purchase is completed, acting as a real-time financial advisor. It also allows users to set proactive alerts for flights, product drops, token prices, and more. Future iterations will deepen contextual awareness, enabling AVA to anticipate user needs, automate complex tasks, and integrate seamlessly with both Web2 and Web3 assets for holistic portfolio management.&#x20;\n\n![Vcard](https://i.imgur.com/4eTWBQb.png \"Vcard\")\n\n## **Core Functions**\n\n\n\n**Global Compliance Engine:** Modular, region-specific KYC/AML system for seamless onboarding.\n\n**Virtual & Physical Debit Cards:** Spend fiat or crypto anywhere, online or offline, with full KYC compliance.\n\n**Offshore Bank Accounts:** Remotely create your own individual offshore bank account with possible SWIFT and IBAN functionalities\n\n**Smart Mobile App:** Unified dashboard for payments, budgeting, alerts, and financial insights.\n\n**AI-Powered Financial Assistant (AVA):** Tracks spending, suggests budgets, finds deals, and sets smart alerts.\n\n**Web2 + Web3 Portfolio Tracker (Volder):** Monitor and manage all assets, bank accounts, tokens, NFTs, and stocks in one place.\n\n**Synthetic Asset Trading (vAssets):** Buy and trade synthetic representations of real-world assets like stocks, commodities, and currencies.\n\n**Branded Card Partnerships:** Co-branded and customized debit cards issuance for Virtuals projects for community engagement.\n\n**Proactive Financial Automation:** From pre-checkout price hunting to post-purchase analysis, VPay automates smarter financial decisions.\n\n\n\n## **Roadmap**\n\n\n\n#### **Epoch 1 – The Foundation**\n\n* AI Logic Architecture (Alpha)\n* Compliance Engine (Pilot)\n* Ecosystem Preparations\n* Infrastructure Readiness\n\n#### **Epoch 2 – Play Your Cards Right**\n\n* Offshore Card Waitlist Opens\n* Genesis Launch\n* Community Onboarding & KYC\n* Virtual Card Issuance\n* Physical Card Rollout\n\n#### **Epoch 3 – AI: Actionable Intelligence**\n\n* Smart Mobile App Launch\n* **AVA (Applied Value Agent) v1**\n * Tracks spending habits and budgeting patterns\n * Finds discounts and better deals before checkout\n * Sets alerts for flights, items, tokens, and more\n\n#### **Epoch 4 – Beyond**\n\n* **Volder** – First-ever Web2 + Web3 portfolio tracker with AI insights\n* **vAssets** – Trade synthetic tokens representing real-world assets (e.g. commodities, stocks, currencies)\n* Co-branding with top-tier Virtuals projects for branded debit card partnerships\n* **AVA (Applied Value Agent) v2**\n\n![VApp](https://i.imgur.com/j9UH8zw.jpeg)\n\n## **Infrastructure Stack**\n\n| Layer | Stack Detail |\n| ------------------- | --------------------------------- |\n| USD Bank Layer | Offshore Account Backend |\n| Card Infrastructure | Physical & Virtual Issuance Logic |\n| Crypto Integration | On/Off-ramp for USDC, USDT, ETH |\n| AI Agent Layer | AVA (Applied Value Agent) |\n| Admin Interface | Agent-Controlled Dashboards |\n| API Access | REST & GraphQL Extensions |\n| Compliance Stack | VPay-Native KYC/AML Processing |\n\n## **$VPay Token Utility**\n\n* Stake to Join Waitlists for Offshore Accounts & Cards\n* Early access to agentic features\n* Stake for loyalty tiers, access levels, and referrals\n* Boost cashback, card perks, and transaction limits\n* Pay fees\n\n## **Legal & Compliance**\n\n\n\nAll accounts and cards are created through automated, compliant onboarding.\nUsers must pass identity verification managed by the VPay.\nAll fiat and crypto flows are monitored by real-time AML logic.\nRegulatory disclosures and jurisdictional limitations are enforced by programmable rules.\n\n#", "image": { "id": 36946, "name": "29233_VPay", "alternativeText": null, "caption": null, "width": 512, "height": 512, "formats": { "small": { "ext": ".jpeg", "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/small_29233_V_Pay_0c77811730.jpeg", "hash": "small_29233_V_Pay_0c77811730", "mime": "image/jpeg", "name": "small_29233_VPay", "path": null, "size": 5.62, "width": 500, "height": 500 }, "thumbnail": { "ext": ".jpeg", "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/thumbnail_29233_V_Pay_0c77811730.jpeg", "hash": "thumbnail_29233_V_Pay_0c77811730", "mime": "image/jpeg", "name": "thumbnail_29233_VPay", "path": null, "size": 1.58, "width": 156, "height": 156 } }, "hash": "29233_V_Pay_0c77811730", "ext": ".jpeg", "mime": "image/jpeg", "size": 5.8, "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/29233_V_Pay_0c77811730.jpeg", "previewUrl": null, "provider": "aws-s3", "provider_metadata": null, "createdAt": "2025-06-04T09:49:22.953Z", "updatedAt": "2025-06-04T09:49:22.953Z" }, "genesis": { "id": 3938, "startsAt": "2025-06-09T15:00:00.000Z", "endsAt": "2025-06-10T15:00:00.000Z", "status": "INITIALIZED", "genesisId": "188", "genesisTx": "0x6127775bae05a4d59fe0625957e7b7a1bd328772600aac62d4c372b4019be316", "genesisAddress": "0x06B4225936Be093A3EFdD6287771BcBF700C4273", "result": null, "processedParticipants": "0", "createdAt": "2025-06-04T09:48:51.974Z", "updatedAt": "2025-06-04T10:29:01.764Z" }, "stats": { "contributionsCount": 0, "contributorsCount": 0, "contributionVersions": [], "totalStakeAmount": "0.0", "stakerCount": 0, "validatorCount": 0 }, "characterDescription": "", "projectMembers": [ { "id": 23564, "isAccepted": true, "title": "Co-Founder", "createdAt": "2025-06-04T09:48:51.629Z", "updatedAt": "2025-06-04T10:12:21.377Z", "virtual": { "id": 29233, "creator": { "id": 369015 } }, "user": { "id": 369015, "socials": { "VERIFIED_LINKS": { "TWITTER": "https://x.com/Vpayagent" } }, "bio": "Jarrett Goh \r\n\r\nGeneral Manager of BipTap | Strategic Advisor to MEW | Dogelonmars PR", "avatar": { "id": 36972, "url": "https://s3.ap-southeast-1.amazonaws.com/virtualprotocolcdn/Chat_GPT_Image_May_28_2025_12_13_32_AM_ba45238477.png" }, "walletAddress": "0xAAd99A9271c789F142Bf59136A749DCeBc6b62F7" } }, { "id": 23568, "isAccepted": true, "title": "Co-Founder", "createdAt": "2025-06-04T10:12:01.005Z", "updatedAt": "2025-06-04T10:32:51.826Z", "virtual": { "id": 29233, "creator": { "id": 369015 } }, "user": { "id": 366928, "socials": null, "bio": "DeCryptoDude\r\nCo-Founder of WhaleIntelAI | Board Member of German Blockchain Week | Former Advisor to CrossFi", "avatar": null, "walletAddress": "0x8091934534d9ef2A5Fc15e89BAc0eCF1Fd8442AD" } } ], "tokenomics": [ { "id": 4175, "name": "CEX Listing and Liquidity", "description": "CEX Listing and Liquidity", "isLocked": true, "bips": 500, "linearStartTimestampRelative": [ 0, 1 ], "linearEndTimestampRelative": 12960001, "linearBips": [ 1666, 8334 ], "numOfUnlocksForEachLinear": [ 1, 5 ], "startsAt": "2025-11-10T16:00:00.000Z", "project": null, "recipients": [ { "id": 7449, "recipientAddress": "0x1e47974F446d9a3d227FB60b06FCb76cF3cDCdeC", "amount": "50000000", "actualId": null, "createdAt": "2025-06-04T10:03:08.631Z", "updatedAt": "2025-06-04T10:03:08.631Z" } ], "releases": [ { "id": 7625, "type": "LINEAR", "duration": 6, "startsAt": "2025-11-10T16:00:00.000Z", "bips": 10000, "durationUnit": 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"0xB10237d71bf955EDB0257505061423Bf3276CD6B", "amount": "50000000", "actualId": null, "createdAt": "2025-06-04T10:04:15.389Z", "updatedAt": "2025-06-04T10:04:15.389Z" } ], "releases": [ { "id": 7626, "type": "LINEAR", "duration": 6, "startsAt": "2025-11-29T16:00:00.000Z", "bips": 10000, "durationUnit": "months", "createdAt": "2025-06-04T10:04:15.354Z", "updatedAt": "2025-06-04T10:04:15.354Z" } ] } ], "tokenomicsStatus": { "hasUnlocked": false, "daysFromFirstUnlock": 153 }, "multichainAgents": [] } </full_details>

Investment info last updated: Jun 4, 2025 10:33

VPay ($VPAY) | Scanner