Banking, inverted.
Vaulta is a decentralized onchain shadow banking protocol designed to replicate the economic role of banks without the custody, opacity, or systemic risk.
Banking as a Function, Not an Institution
Vaulta starts from a foundational insight: Banking is not an entity—it is a set of functions. Capital aggregation, liquidity transformation, credit access, settlement finality, and yield optimization.
We extracted these functions from the institutional shell of banks and implemented them as protocol logic, governed by smart contracts, AI systems, and zero-knowledge proofs.
No Deposits
Vaulta does not pool user funds. All assets remain in user-owned smart vaults.
No Balance Sheet
We don't rehypothecate assets or run maturity mismatches. Insolvency is mathematically impossible.
No Custodial Failure
You hold the keys. The protocol only coordinates interaction, it never takes possession.
The AI Capital Routing Engine
AI in Vaulta functions as a decision-support engine. It observes onchain liquidity, credit spreads, and RWA yields to propose optimal capital routes. It has no discretionary control—only code executes.
Why Vaulta Exists?
Modern finance suffers from a paradox: Banks provide efficiency but concentrate risk. DeFi removes custody but fragments capital. Vaulta resolves this by separating capital ownership from decision intelligence.