Vaulta Protocol Architecture

Vaulta is composed of multiple tightly coupled but logically independent layers.

Smart Vault Layer (Capital Sovereignty Layer)

User-Owned Smart Vaults

Each participant interacts with Vaulta through a dedicated smart vault that:

• Holds assets under user control

• Enforces programmable constraints

• Acts as the sole execution origin for capital movement

Vaults support:

• Multi-asset custody

• Role-based permissions

• Time-locks and execution guards

• Policy-bound AI instructions

Vaulta can request actions, but vaults always enforce authority.

Vault Isolation Model

Each vault is isolated:

• No pooled funds

• No shared liabilities

• No contagion pathways

Failure in one vault cannot propagate system-wide.

AI Capital Routing Engine (Intelligence Layer)

Purpose and Scope

The AI Capital Routing Engine is responsible for optimizing how capital is deployed across:

• DeFi liquidity pools

• Lending markets

• RWA yield instruments

• Credit facilities

AI does not control funds. It proposes optimal routing strategies within strict constraints.

Data Ingestion

The engine continuously monitors:

• Onchain liquidity depth

• Interest rate curves

• Utilization ratios

• Credit spreads

• RWA yield feeds

• Market volatility and correlations

This allows Vaulta to operate with real-time financial awareness similar to institutional trading and treasury systems.

Policy-Constrained Execution

All AI outputs are filtered through:

• Smart contract rule-sets

• Vault-level permissions

• Governance-approved risk parameters

AI suggestions that violate constraints are automatically rejected.

Liquidity Access Protocol

Non-Custodial Liquidity Routing

Vaulta provides liquidity by:

• Routing vault assets directly to liquidity venues

• Splitting orders to minimize slippage

• Optimizing transaction paths dynamically

At no point does liquidity pass through Vaulta custody.

Cross-Domain Liquidity

Vaulta unifies:

• Crypto-native DeFi liquidity

• Tokenized real-world yield instruments

This allows capital to move frictionlessly between onchain and offchain economic activity.

Credit Routing Protocol

Credit Without Lending

Vaulta never lends and never borrows.

Instead, it:

• Identifies available credit providers

• Matches vaults to optimal credit sources

• Routes collateral and repayment flows atomically

Vaulta acts as a credit router, not a creditor.

Risk Containment

• Credit risk remains with counterparties

• Vaulta carries no exposure

• No systemic leverage can accumulate

Yield-Bearing Settlement Layer

Vaulta vaults function as yield-bearing settlement accounts:

• Funds remain productive while idle

• Settlement-ready at all times

• Yield strategies constrained by risk policies

This recreates the economic utility of deposits—without deposits.

Zero-Knowledge Solvency & Compliance Layer

ZK Solvency Proofs

Vaulta continuously generates cryptographic proofs verifying that:

• Routed obligations never exceed vault-held assets

• Exposure caps are respected

• No hidden leverage exists

These proofs are publicly verifiable without revealing sensitive data.

ZK Compliance

Vaulta enables:

• Jurisdiction-aware constraints

• Institutional compliance attestations

• Privacy-preserving regulatory alignment

Compliance becomes mathematical, not discretionary.