What is Vaulta?

(Source: vaulta)

Vaulta is a Web3 banking ecosystem evolved from the EOS Network, positioned as the next financial frontier in the Web3 era. Its birth coincides with the accelerated integration of the cryptocurrency market and traditional finance. The official announcement states that by the end of May 2025, the 1:1 conversion from $EOS to Vaulta tokens ($A) will be officially completed. Vaulta will combine exSat with various DeFi technologies to unlock the decentralized application potential of Bitcoin and other digital assets. Official information points out that Vaulta is a secure, scalable, and inclusive financial ecosystem aimed at reshaping banking, linking crypto assets with traditional finance. As regulatory barriers gradually dissolve, Vaulta is poised to make its debut, ready to deliver on its promise: to achieve decentralized banking services in a fast and reliable network.

The four core application scenarios of Vaulta

Vaulta Web3 Bank Network focuses on four core application scenarios: wealth management, consumer payments, investment portfolios and asset allocation, and insurance. These scenarios are currently being realized by integrating DeFi with traditional finance through collaboration with leading institutions such as Ceffu, Spirit Blockchain, and Blockchain Insurance Inc.

Wealth Management

Vaulta’s wealth management products combine the advantages of centralized finance (CeFi) and decentralized finance (DeFi), allowing users to diversify assets and earn returns in an enterprise-grade secure manner. Vaulta partners with regulated custodians, such as Ceffu, to provide robust return strategies for institutional assets. Ceffu’s MirrorX solution has already supported advanced asset management features such as Bitcoin yield strategies and liquid staking. Individual users holding Vaulta tokens will also be able to custodian assets like Vaulta, BTC, ETH, USDT, USDC on a 1:1 basis, and earn returns through quantitative strategies, democratizing investment opportunities that were previously only available to institutions or high-net-worth individuals.

Consumption Payment

Vaulta’s consumer payment ecosystem aims to directly connect digital assets to everyday spending, promoting the application of cryptocurrency in the mass market. Collaborating with VirgoPay, a subsidiary of VirgoCX, is a significant step: Vaulta becomes the default settlement layer for its new stablecoin cross-border payment system, allowing for near-instant settlement of international payments and significantly reducing fees. Users can use their digital currencies through the Vaulta network for global remittances, avoiding the high fees and long wait times of traditional finance. Additionally, Vaulta supports Bitcoin yield lending: users can obtain credit based on their Bitcoin earnings for everyday payments without having to sell their assets. These innovations greatly simplify the payment process and further expand the use cases of cryptocurrency in retail and cross-border payments.

Portfolio and Asset Allocation

Vaulta’s portfolio application scenario integrates DeFi opportunities with traditional financial assets, providing investors with a diversified and secure allocation environment. Collaborating with platforms like Spirit Blockchain, which offers asset tokenization solutions, illiquid physical assets such as real estate, commodities, and private equity can be divided into tradable tokens. Users can purchase tokenized real estate or commodities with stablecoins or Vaulta tokens on Vaulta, significantly broadening their investment scope. Meanwhile, by combining structured yield products and stablecoin lending mechanisms, it provides retail and institutional investors with a variety of portfolio options through cross-chain integration.

insurance

In the field of security assurance, Vaulta strengthens user asset security through strategic partnerships. Vaulta has established a partnership with Blockchain Insurance Inc (the world’s first cooperative insurance provider designed specifically for the crypto ecosystem) to offer customized insurance solutions for digital asset users. Through this collaboration, Vaulta users can obtain comprehensive crypto asset insurance coverage that includes smart contract vulnerabilities, custodial risks, and more. The Vaulta ecosystem also integrates security services such as Recover+ and the technology of regulated custodians (like Ceffu), forming a multi-layered protection mechanism that further enhances the asset security of the ecosystem. This allows Vaulta to provide a wide range of financial products while also offering comprehensive protection for users’ digital wealth.

(Source: vaulta)

The technical architecture and advantages of Vaulta

Vaulta has an enterprise-grade technological architecture to meet the high standards of efficiency and compliance required by Web3 banks. Vaulta employs an enterprise-level C++ WASM smart contract engine, while also being compatible with EVM’s Solidity contracts, allowing developers from traditional financial systems and the Ethereum ecosystem to quickly get started. In terms of Bitcoin integration, Vaulta is fully integrated with exSat: through exSat, Vaulta transforms Bitcoin into the cornerstone of the decentralized financial ecosystem, enabling BTC to evolve from digital gold into a self-appreciating revenue asset.

In terms of data storage, Vaulta has constructed a decentralized on-chain RAM database specifically designed to manage high-frequency trading and structured data. This optimized use of RAM significantly enhances the system’s scalability and its ability to handle performance bottlenecks. Meanwhile, exSat also utilizes RAM to efficiently store Bitcoin’s UTXO data, supporting complex business requirements.

In cross-chain interoperability, Vaulta supports the Antelope IBC protocol, enabling seamless interaction with other public chains; the architecture can handle transaction volumes of tens of thousands per second, ensuring the secure flow of assets between different chains. Vaulta’s speed performance is outstanding: transactions achieve finality in about 1 second, significantly improving capital efficiency, which is a key advantage for payment scenarios, institutional investment, or any real-time financial services.

The token economics of Vaulta

Vaulta’s original asset is $EOS, and by the end of May 2025, it will officially convert existing EOS tokens into Vaulta’s native token $A through a 1:1 exchange mechanism. $A will serve multiple roles: holders can earn stable returns by staking $A, in addition, $A can be used as a credential for participating in network governance, allowing token holders to vote for block producers, directly influencing Vaulta’s future development. In terms of cross-chain and liquidity, Vaulta tokens are key to enabling seamless asset transfer and interaction: leveraging a decentralized IBC architecture, $A can circulate across chains without friction. Additionally, $A holders will gain access to the use of Vaulta’s decentralized RAM resources, meaning that applications and smart contracts operating within the Vaulta ecosystem will need to acquire computation/storage resources using $A, and the scarcity of these resources brings long-term value. In the future, $A holders will also have priority in participating in tokenization investment opportunities for real-world assets on the Vaulta platform, such as real estate and commodities. Vaulta’s token economic model aims to provide robust rewards for long-term holders while granting them governance rights, liquidity, and multiple rights to ecosystem services.

Market Outlook and Future Development of Vaulta

Vaulta advocates for Web3 Banking, dedicated to ushering financial services into a fast, low-cost, and geographically unrestricted new era. To achieve this vision, Vaulta adopts a dual-track strategy:

• Build an enterprise-level banking operating system (Web3 Banking OS): providing core infrastructure such as identity management, compliance framework, decentralized storage, and near-instant settlement for traditional financial institutions.
• Develop innovative financial products: aimed at the public and institutions, so that the general public can also benefit from them.

This dual-track strategy not only allows banks and institutions to safely and gradually transition key services but also attracts DeFi projects and developers to participate in ecosystem building. Vaulta adopts an open architecture, supporting enterprise-level C++ smart contracts and Ethereum-compatible Solidity contracts, and offers customizable virtual machine environments (such as Vaulta EVM), encouraging developers and partners to build various financial applications. With its dual penetration strategy that caters to both institutions and individuals, combined with high-performance networks and an open ecosystem, Vaulta will play a key role in the Web3 banking sector, leading a new wave of integration between traditional finance and crypto technology.

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Summary

Vaulta, as a Web3 banking ecosystem evolved from the EOS Network, is committed to advancing financial services into a new era that is fast, low-cost, and free from geographical limitations. Through four core application scenarios that combine the advantages of CeFi and DeFi, Vaulta provides users with diversified and secure financial services. With its dual-track strategy, Vaulta will continue to lead the integration of traditional finance and crypto technology, driving innovation and development in Web3 banking.