Banking without
deposits
Vaulta is onchain shadow banking. Access liquidity, credit, and yield—while your funds stay in your vault, always.
Non-custodial. ZK-proven. AI-routed.
Vaultapay Card Premium
Protocol Architecture
Vaulta replicates banking functions through protocol logic—without deposits, balance sheets, or custodial risk.
Smart Vault Layer
User-owned capital containers. Each vault is isolated—no pooled funds, no shared liabilities, no contagion pathways.
AI Capital Routing
Observes liquidity depth, credit spreads, and RWA yields. Proposes optimal routes—only smart contracts execute.
Liquidity & Credit Routing
Access DeFi pools and RWA credit without deposits. Vaulta routes capital, never holds it.
Zero-Knowledge Proofs
System-wide solvency and exposure limits verified without revealing vault balances or identities.
Banking functions,
not banking institutions.
Built with
Non-Custodial
Funds remain in user-owned smart vaults. No pooling, no rehypothecation, no custodial failure.
DeFi + RWA Liquidity
Unified routing across crypto-native pools and tokenized real-world assets. Capital moves, never sits.
AI Capital Routing
Intelligence without discretion. AI proposes optimal routes—only smart contracts execute.
Banking Functions,
Not Institutions
Vaulta replicates banking through protocol logic—without deposits, balance sheets, or custodial risk.
User-Owned Smart Vaults
Deploy your isolated capital container. Funds remain in your vault—no pooling, no rehypothecation, no custodial failure.
Read Documentation↗AI Capital Routing
AI observes liquidity depth, credit spreads, and RWA yields. Proposes optimal routes—only smart contracts execute.
View AI Engine↗ZK-Proven Solvency
System-wide solvency verified cryptographically. Trust replaced by mathematics—no auditors, no opacity.
Explore ZK Proofs↗Trust replaced by
mathematics.
Vaulta eliminates institutional trust. Your funds remain in user-owned smart vaults, mathematically verifiable at every block.
Non-Custodial Architecture
Vaulta never holds your keys or assets. Smart contracts coordinate—never custody.
Vault Isolation
No pooled funds. No shared liabilities. No contagion pathways between vaults.
ZK-Proven Solvency
System-wide solvency verified cryptographically—no auditors, no opacity, no trust required.
Utility-First Token Design
$VAULTA secures protocol behavior and coordinates network participants—not a store of value, but a mechanism for alignment.
Protocol Fees
Pay for AI routing and liquidity coordination services.
Governance Rights
Vote on risk parameters, supported assets, and protocol upgrades.
ZK Proof Staking
Validators stake to verify solvency proofs and earn protocol fees.
Development Roadmap
Building robust infrastructure for non-custodial banking functions.
Protocol Foundation
Smart vault contracts, core routing logic, and developer documentation.
Testnet Launch
Public testnet deployment, AI routing engine beta, community testing program.
Security Audits
Third-party smart contract audits, ZK proof system verification, bug bounty program.
Mainnet Preparation
Gradual mainnet rollout, liquidity partnerships, protocol governance framework.