Banking Services (Without Being a Bank)
Vaulta provides full-spectrum banking services while explicitly avoiding the legal and financial role of a bank.
Liquidity Access Without Deposits
Vaulta enables on-demand liquidity by routing, not holding, capital.
Key characteristics:
Liquidity is sourced from DeFi pools, onchain money markets, and tokenized RWA liquidity venues
Capital never enters a protocol-owned pool
Each transaction is executed directly from the user’s vault
The result:
Immediate access to global liquidity
Zero exposure to protocol insolvency
Vault-level isolation of risk
Liquidity is a service, not a stored resource.
Credit Routing Without Credit Issuance
Vaulta does not issue loans and does not underwrite debt. Instead, it acts as a credit routing fabric.
Vaulta:
Analyzes available credit venues (DeFi lending, RWA credit pools, private credit markets)
Matches vaults to optimal credit sources
Routes collateral and repayment flows directly between counterparties
This ensures:
Credit risk remains with lenders and borrowers
Vaulta never becomes a lender of record
No systemic leverage accumulates at the protocol layer
In effect, Vaulta functions like a global, automated credit desk without holding a single dollar.
Yield-Bearing Settlement Accounts
Vaulta vaults behave as programmable settlement accounts, not passive wallets.
Key properties:
Funds used for payments, settlements, or treasury operations remain yield-active
Idle capital is dynamically allocated into low-risk yield strategies
Users retain full control over risk parameters and exposure limits
This mirrors the utility of bank deposits—without deposits.
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