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<p>VPay is an 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. Users can create USD accounts, issue cards, interact with AI agents, and access programmable finance under a secure, compliant, and scalable architecture.</p><p>VPay’s AI Agent, known as AVA (Applied Value Agent), is the intelligent core of the platform. AVA analyzes user behavior in real time, learns spending patterns, and provides personalized financial insights without requiring manual input. Web2 and Web3 assets for holistic portfolio management. </p>

VPay by Virtuals

VPay is an AI-powered OmniBank combining traditional banking with intelligent automation and tokenized utility.

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