The Good Tech Companies - Avici Raises $3.5 Million, Gives Back 90% of Capital via Futarchy Governance

Episode Date: November 13, 2025

This story was originally published on HackerNoon at: https://hackernoon.com/avici-raises-$35-million-gives-back-90percent-of-capital-via-futarchy-governance. Avici raises $3.5M and returns 90% of capital to its community using a futarchy governance model, signaling a new approach to crypto-fintech decision-making. Check more stories related to finance at: https://hackernoon.com/c/finance. You can also check exclusive content about #avici-funding, #futarchy-governance, #crypto-fintech, #decentralized-banking, #onchain-credit, #prediction-markets, #fintech-funding, #good-company, and more. This story was written by: @kashvipandey. Learn more about this writer by checking @kashvipandey's about page, and for more stories, please visit hackernoon.com. Avici secured $3.5M in funding while returning roughly 90% of committed capital to its community through a futarchy governance model. The fintech-crypto startup aims to build unified internet banking tools—wallet, savings, spend card, credit scoring, and lending—while using market-driven governance to align incentives and build trust.

This audio is presented by Hacker Noon, where anyone can learn anything about any technology. Avichi raises $3.5 million, gives back 90% of capital via Futarki governance. By Kushvi Pondi, FinTech crypto startup Avichi today announced it has closed a $3.50 million funding round, and in a bold governance move by returning approximately 90% of that capital, about $34.2 million in total committed funds, back Toit's community under a Futarki base, governance model. A different governance playovici is embracing futarchy, a governance model invented by economist Robin Hansen, often called the godfather of prediction markets, AMMs, and modern market-based decision design, and cited in several foundational crypto white

papers. Under Futarchy, decisions are made through decision markets, not majority votes. Participants buy outcomes, yes, this proposal increases value. Vs. No it doesn't, and whichever side the market prices higher determines the decision. By adopting this model, Avichi aligns incentives tightly. If the community believes a proposal will increase growth or surplus, they buy in. If not, they vote with their capital. What the raise means the $3.5 million raise gives Avichi the runway to build its unified internet banking infrastructure, crypto wallet, savings, spend card, defy credit score, on-chain mortgages and unsecured lending. The roughly $34.4 million, Capital given back, figures suggests Avici's broader capital base are cumulative deployable

funds, as sizable and that only a small portion stays under direct founder, management control. Why this matters for a VICI and crypto-Fintech 1. Governance is mode. For Avichy, whose long-term goal is to build a bank to replace central banks, having a governance model rooted in market mechanism signals next-gen financial infrastructure, not just another fintech. Two, aligning founder and incentives with users, by returning capital and giving users governance power, Avichi reduces adversarial dynamics between founders and users, a sticking point in many crypto and fintech ventures. 3. Capital efficiency and community trust.

A $3.5 million raise is modest for fintech ambitions, but when paired with strong governance and clear alignment, it may yield outsized impact. 4. Entering the trust economy, building a decentralized wallet, credit card spend tool, and banking platform places Avici in direct competition with traditional finance incumbents. Governance credibility could be a differentiator. What to watch how the Futarki governance model is implemented? Will prediction markets be liquid and meaningful? Will outcomes be transparent and enforceable? Scalability of Avichi's product stack, integrating savings, trading, card infrastructure, identity, credit scoring and wallet

features as complex. Governance won't replace execution. Bottom Linevici's raise in governance announcement aren't just about capital. They're signalling a shift in how fintech company's structure value, control and PR dissipation. If the Futarki model succeeds, Avici may be positioning itself not only as a bank replacement platform but as a governance native financial ecosystem. This story was distributed as a release by Kushvi Pondi under Hackernoon Business Blogging Program. Thank you for listening to this Hackernoon story, read by artificial intelligence. Visit hackernoon.com to read, write, learn and publish.