What actually defines a real neobank in crypto? Three core requirements: named accounts, genuine fiat on-ramps, and pull-based funding mechanics. Most projects claiming the title fall short—they're really just glorified wallets or card issuers. But there's a key distinction worth making: some platforms are building genuine bank replacements from the ground up. Avici stands out precisely because it's architecting infrastructure that replaces traditional banking functions, not just grafting crypto onto existing finance frameworks. The difference matters when you're talking about genuine financial infrastructure versus another layer on top.