A New Era of Finance Begins

The time has finally arrived. After years of building the foundations behind the scenes, what began as EOS Network is about to redefine the banking landscape. The global appetite for cryptocurrency has surged and public demand for innovative financial products is at an all-time high. We’ve been preparing for this moment, and today we are thrilled to introduce:

Vaulta – a bold leap into the next frontier of finance: Web3 Banking.

Vaulta is the culmination of strategic development, market observation, and relentless innovation. Since crypto’s inception, the industry has faced uncertainty and a lack of consistent regulations. Now, those barriers are dissolving, finally clearing the way for Vaulta to deliver on its promise of a secure, scalable, and inclusive financial ecosystem. In conjunction with exSat, Vaulta unlocks the immense potential of Bitcoin, digital assets, and decentralized technology. The foundation is set. The technology is ready. The time is now. 

Our official transition to Vaulta is scheduled for the end of May, 2025 (subject to change and confirmation). 

Web3 is Redefining the Boundaries of Users, Capital and Assets

Web3 is evolving. What started as a nascent industry has grown into a thriving, complex ecosystem capable of changing how users, capital and assets are experienced and utilized. According to comprehensive research from Chainalysis (2023), Juniper Research (2023), BCG, SWIFT, and other research papers, three major trends are reshaping finance:

1: Geographic Attachment → Global Access

Global cryptocurrency adoption has grown rapidly, with Compound Annual Growth Rate (CAGR) increasing by 34% since 2020, from 100 million users to over 600M by the end of 2024 (Grand View Research, 2023). Growth has predominantly come from the 18-34 age group, with Web3 covering the long tail population 10x faster than before. These new crypto entrants represent a significant opportunity for Vaulta, matching adoption with new demand for financial products and solutions. 

2: Pipeline Friction → Internet of Value

The stablecoin market is projected to reach nearly $190 billion annually by 2026, dramatically lowering global remittance and transaction fees from traditional averages of approximately 6.65% down to less than 0.1%, with settlement times decreasing from days to seconds. How capital flows globally is rapidly evolving. Vaulta aims to capitalize on this capital evolution. 

3: Limited Tradability → Infinite Composability

The tokenization of real-world assets (RWAs) represents a significant growth frontier, with its market potential expected to surge from $310 billion in 2022 to approximately $16 trillion by 2030, unlocking unprecedented liquidity and market composability. This shift means everything from real estate to commodities can be traded with ease, opening new frontiers for both retail and institutional investors. As new financial assets emerge and unlock fresh possibilities, Vaulta stands strategically positioned as an infrastructure provider for asset tokenization. 

Taken together, these trends point to a seismic transformation in how users engage with capital and assets, highlighting that Web3 isn’t just adding a new layer to finance but redefining its very foundations.

Vaulta Banking Advisory Council: Bridging Traditional Finance and Web3

To drive our Web3 Banking vision forward, we’ve assembled the Vaulta Banking Advisory Council, bringing together distinguished leaders in banking, fintech and Web3 who share our mission of seamlessly bridging traditional finance with decentralized digital assets. These advisors offer decades of strategic leadership, practical insights, and regulatory expertise necessary to fuse conventional banking standards with blockchain solutions. Their guidance ensures that Vaulta remains credible, compliant, and strategically aligned to accelerate mainstream adoption of Web3 Banking services.

The Banking Advisory Council includes notable industry leaders:

• Lawrence Truong, Chief Executive Officer at Systemic Trust, a registered trust company specializing in secure and compliant digital asset custody solutions for institutional clients and accredited investors. Lawrence is the former CEO of Binance Canada, and an experienced regulator, who provides essential regulatory insights and strategic guidance on crypto custody and compliance.
• Didier Lavallée, Chief Executive Officer at Tetra Trust, Canada’s first licensed digital asset custodian which offers secure and compliant custody solutions for institutional clients. Didier brings extensive expertise from previous senior roles at RBC Investor & Treasury Services and RBC Capital Markets, offering strategic advice on institutional crypto product positioning and custody services.
• Alexander Nelson, Senior Director, Digital Finance at ATB Financial, the leading banking partner of Canadian crypto and blockchain industries, based in Alberta. Alexander offers strategic crypto direction at ATB, bridging the gap for digital finance clients seeking compliant traditional finance solutions. Alex also has extensive knowledge in helping digital finance clients navigate the regulatory, risk, and AML journey associated with achieving a traditional banking partner.
• Jonathan Rizzo, Senior Business Solution Specialist, Digital Finance at ATB Financial. Driven by a passion for secure financial and blockchain innovation, Jonathan focuses on risk management within the evolving digital finance landscape. His work encompasses due diligence, regulatory compliance, AML risk reviews, and strategic partnership oversight, with a particular emphasis on the complexities of blockchain technology and digital asset risk. Jonathan provides expert guidance to ensure the organization remains at the forefront of safe and compliant financial practices.

“Democratizing financial access is vital for building real economic resilience, and joining Vaulta’s Banking Advisory Council is an excellent opportunity to support that goal. As the CEO of a regulated, independent digital asset custody provider, I recognize how Vaulta’s Web3 Banking approach, especially its direct gateway to Bitcoin can responsibly bridge traditional finance with Web3 technology. I look forward to sharing industry insights and guiding the network towards broader adoption.”

Lawrence Truong – Chief Executive Officer at Systemic Trust

Looking forward, Vaulta intends to expand the Banking Advisory Council by onboarding additional members from financial institutions and forming further partnerships across the broader traditional finance sector. With the guidance of this diverse and experienced group, Vaulta is uniquely positioned to gain market share in Web3 Banking, effectively bridging the gap between traditional finance and decentralized digital assets.

The Four Pillars of Vaulta’s Web3 Banking Ecosystem

Vaulta focuses on four core pillars that bring real value to the network, positioning it to capture market share in Web3 Banking. Each pillar currently benefits from active partnerships with established businesses, ensuring our solutions aren’t just theory, they’re live and expanding. 

Looking ahead, Vaulta will continue building upon current solutions and forming strategic alliances to deepen and broaden each of these four pillars, ensuring partnerships and development evolve in tandem with market and user needs.

1. Wealth Management

Vaulta’s wealth management solutions unify the best of CeFi and DeFi, giving users opportunities to diversify, earn, and protect their holdings with enterprise-grade security. Whether you’re an individual seeking advanced yield or an institution looking to optimize digital asset strategies, Vaulta delivers flexibility and transparency to enhance your overall financial portfolio.

• Utilizing licensed custodians: Institutions can safely earn diversified yield on their custodied assets without risk by utilizing licensed custodians such as Ceffu. Through Ceffu’s MirrorX solution, BTC yield strategies, liquid staking, and advanced asset management are currently available, with additional solutions in the pipeline. 
• Vaulta Diversified Yield: The integration of Vaulta mainnet with Ceffu opened doors for institutions to take advantage of quantitative yield. Stage 2 in the partnership is to democratize access for consumers. Once the consumer solution is live, Vaulta Token holders can custody and earn yield in BTC, ETH, USDT, USDC, Vaulta etc., through quantitative strategies. Solutions like this are typically available only to wealthy individuals or institutions but through Vaulta these solutions are democratized, unlocking wealth opportunities. 
• Comprehensive Bitcoin Yield: Through exSat institutions and users can take advantage of comprehensive Bitcoin yield opportunities. Bitcoin staking, re-staking yield, delta-neutral strategies, and diversified yield transform Bitcoin from a static asset to liquid gold. 

2. Consumer Payments

Vaulta’s consumer payment ecosystem aims to broaden everyday use cases for digital assets, tap into emerging markets and expand financial solutions. By connecting digital assets directly to everyday purchases, Vaulta simplifies payments, unlocks crypto as an asset class and increases real world adoption.

• Rapid Settlements & Reduced Fees: Utilizing Vaulta’s blockchain infrastructure, transactions achieve sub-second finality, resulting in a payment experience that is both exceptionally fast and cost-effective.
• Bitcoin Yield lending: Seamless spending on Bitcoin yield. Receive credit against your Bitcoin yield and use it for everyday spending without selling the underlying asset.  
• Expanding digital asset use cases: The network will continue investing in partnerships and integrations that expand digital asset payments, remittance, and settlement layer capabilities. 

3. Portfolio Investment

Vaulta’s portfolio investment pillar brings together DeFi opportunities and traditional finance opportunities in one secure environment. Partnerships like Spirit Blockchain open the door to fractional ownership of real-world assets, making sophisticated investment vehicles accessible to a broader audience and offering a vibrant, liquid marketplace.

• Driven by Spirit Blockchain: Combining tokenization platforms with Vaulta’s compliance-ready environment, Spirit Blockchain facilitates fractional ownership of traditionally illiquid assets, like real estate, commodities, or private equity.
• DeFi + TradFi Convergence: Through structured yield products, stablecoin lending, and cross-chain integration, Vaulta offers diversified portfolio options for both retail and institutional investors.
• RWA Expansion: The network is investigating and expanding RWA partnerships, with a particular focus on tokenizing real estate and commodities.

4. Insurance

Vaulta leverages strategic partnerships to enhance asset security, safeguarding users’ digital wealth through industry-leading providers and specialized technologies. By partnering with Blockchain Insurance Inc., the world’s first association captive insurance provider built exclusively for the crypto ecosystem, Vaulta connects users to advanced, crypto-optimized insurance solutions that address the unique risks inherent in digital assets. This collaboration further solidifies Vaulta’s position as a trusted infrastructure provider within Web3 Banking.

• Blockchain Insurance Inc: The first association captive insurance provider dedicated to crypto, partnering with major industry players such as 3iQ, Alberta Real Estate Association, and the Canadian Blockchain Consortium. This partnership provides tailored coverage for digital assets, from smart contract vulnerabilities to custodial risks.
• Recover+ and Custodian access: Solutions such as Recover+ and Ceffu custody, offered through Vaulta’s ecosystem partners, mitigate threats and enhance asset protection for institutions and retail users alike.

These four major use cases provide the network with a clear focus, direction, and expansion opportunities. Network development will focus on supporting integrations or solutions according to the four pillars, and business development will focus on expanding partnerships and integrations accordingly.

By weaving together these four pillars: Wealth Management, Consumer Payments, Portfolio Investment, and Insurance, Vaulta delivers a holistic, user-friendly, and trusted environment for anyone looking to enter or expand within Web3 Banking.

Whether you seek next-level yield, frictionless payments, tokenized investment opportunities, or robust digital-asset insurance, our ecosystem of proven partners stands ready to make it happen today.

Vaulta: The Financial Network for Web3 Banking

The internet revolutionized banking experience, Web3 has the same revolutionary potential. Vaulta is setting a new standard for how financial services are built, delivered, and experienced. While other blockchains offer fragmented features, Vaulta stands out as a complete financial network, one that merges 1-second transaction finality with robust compliance, seamless liquidity and a direct Bitcoin integration through exSat.

Why Web3 Banking? Because the era of slow, costly, and geographically constrained finance is over. Vaulta eliminates these barriers by offering near-instant settlement, intuitive on-chain identity management, and reliable network security within a scalable infrastructure designed to meet rigorous institutional standards. By empowering individuals and institutions globally, Vaulta democratizes access to the future of finance. 

Vaulta is the infrastructure powering the next generation of financial products and services. To become the financial network for Web3 Banking, certain foundations and requirements must be met. These form Vaulta’s foundations; Connectivity, Bitcoin, Data Storage, Interoperability, and Speed. These foundational layers uniquely position the network to handle the requirements that banking presents. 

• Connectivity – Enterprise-Ready Smart Contracts:
  Vaulta leverages a robust, enterprise-standard C++ WASM smart contract architecture alongside EVM-compatible Solidity contracts. C++ is the most compatible coding language for traditional Web2 Banking systems, enabling easier integration and onboarding. This adaptability, along with its compatibility with the largest DeFi ecosystem, Ethereum (EVM), positions the network to capitalize on opportunities and scale its programs. 
• Bitcoin – Direct Bitcoin Integration via exSat:
  Through exSat, Bitcoin is transformed into the backbone of a decentralized financial ecosystem, where BTC evolves from “digital gold” to a self-sustaining, yield-generating asset. exSat has attracted over $680M in TVL, highlighting the appetite for yield generation. This integration enhances Bitcoin’s utility, taps into Bitcoin’s vast liquidity, and places it at the heart of Vaulta’s Web3 Banking ecosystem.
• Data Storage – Decentralized On-Chain RAM Database:
  Vaulta’s decentralized data management architecture (RAM) efficiently manages high-frequency transactions and structured on-chain data, critical for supporting enterprise-scale solutions. The optimized use of RAM ensures scalability and performance, addressing bottlenecks common in traditional blockchain systems. RAM’s strategic value is highlighted by exSat, which uses RAM to efficiently manage Bitcoin’s extensive UTXO data On-Chain, enabling scalable, high-performance solutions for complex business needs.
• Interoperability – Cross-Chain Liquidity & Seamless Interoperability:
  Vaulta facilitates frictionless asset mobility across multiple blockchain networks using advanced Inter-Blockchain Communication (IBC). With throughput capable of handling 10,000+ transactions per second, Vaulta ensures unparalleled flexibility and seamless integration across decentralized finance platforms, financial institutions, and diversified investment opportunities.
• Speed – 1s Transaction Finality:
  Vaulta achieves transaction finality in approximately 1 second, significantly improving capital efficiency and ensuring secure, rapid financial transactions ideal for consumer payments, institutional investments, and real-time financial services.

With Vaulta’s intuitive design, advanced technology stack, and vault-like security, the network is perfectly positioned to manage the needs of traditional banking systems. With these foundations in place, institutions, developers, and everyday users have the tools to transact, build, and invest without barriers, unlocking the next frontier of financial innovation.

Unlocking the Future of Finance

Vaulta’s vision of becoming a comprehensive financial network for Web3 Banking is ambitious but we understand meaningful transformation in finance requires a pragmatic and measured approach. Our strategy therefore unfolds along two parallel tracks: 

Track One – Web3 Banking OS: We have built robust, enterprise-ready foundations for essential banking services, such as advanced identity management, compliance frameworks, decentralized data storage, and near-instant settlement layers to ensure financial institutions can confidently transition core use cases and pilot programs on-chain. 

Track Two – Democratized Financial Solutions: Concurrently, we have a robust financial ecosystem of innovative products that benefit institutions and individuals, democratizing access. These products and solutions are both built by the network and leveraged via strategic partnerships.  

Vaulta’s dual-track approach offers various entry points for multiple stakeholders:

• Institutions: Can access novel financial solutions and products before expanding their core services onto Vaulta’s robust operating system. 
• Blockchain & DeFi Projects: Benefit from specialized insurance coverage, secure asset recovery tools, compliant tokenization services and an extensive user base. 
• Developers: Meet the personalized financial needs of every user by coding and contracting users’ financial requirements, aiming to build the indispensable assistant in the future financial landscape.
• Individual Investors: Gain diverse yield opportunities, attractive staking returns, and upcoming access to innovative asset classes like tokenized RWAs.

By strategically combining visionary ambition with immediate practical solutions, Vaulta empowers users, institutions and developers globally.

Bitcoin Digital Banking Services Powered by exSat 

Bitcoin has long been hailed as “digital gold,” but through Vaulta’s virtual chain architecture, exSat now showcases how BTC can evolve into a fully liquid, yield-generating asset within Web3 Banking. 

Implemented as a fork of Vaulta EVM, exSat provides Bitcoin digital banking services and solutions, highlighting the ability and opportunity from Vaulta’s architecture. Rather than leaving BTC stagnant, exSat’s on-chain design converts it into productive capital, enabling advanced yield solutions including staking, delta-neutral strategies, instant payments and BTC trading, all underpinned by high-performance UTXO data indexing. 

exSat Network has driven exponential growth since mainnet in October 2024. The network boasts a TVL of over $685 million, with more than 5400 Bitcoin staked to the network from Validators and stakers. Four of the largest mining companies in the world, including Antpool and ViaBTC, synchronize data on the network, contributing to a hash rate of approximately 50% and a growing Bitcoin DeFi ecosystem that is directly integrated with Vaulta. 

Behind this synergy is a sophisticated tech layer that harnesses Vaulta’s 1-second finality, C++ and Solidity smart contracts with a mixed VM, and decentralized data storage to handle near-instant Bitcoin transactions at scale. By creating a “virtual chain” for exSat within Vaulta’s EVM environment, the network supports everything from retail micropayments to large-scale institutional strategies without sacrificing Bitcoin’s inherent security. 

Whether it’s generating stable yields via AI-driven quant strategies, tokenizing real-world assets, or providing frictionless on-chain banking, Vaulta + exSat positions Bitcoin as the engine of a truly borderless, composable, and high-throughput financial ecosystem. This foundation paves the way for the next decade of global finance.

The Vaulta Token – Secure Your Future 

The financial landscape is rapidly shifting, crypto adoption is accelerating, stablecoins are becoming mainstream, and the tokenization of real-world assets is poised to transform into multi trillion-dollar markets. In this fast-moving environment, the opportunity to get ahead of the curve and unlock financial freedom doesn’t come around often. 

$EOS is a time-tested asset that stands among the most accessible, liquid, and widely recognized tokens in the market. The token has a track record of high trading volumes, consistent market demand, and inclusion in top-tier index funds such as Coinbase’s COIN50, where it ranks among the top 16 smart contract platforms. It is currently available on over 137 exchanges including every major exchange (listed as $EOS), and has a further 200 available trading pairs. 

Why Hold Vaulta?

1. Attractive Yield
   • Vaulta’s tokenomics feature a robust staking rewards program comprising 250 million tokens. With a dynamic annual percentage yield (APY), currently estimated at 17%, holders can confidently generate attractive, sustainable returns, making Vaulta an appealing asset for consistent long-term growth and passive income. 
2. Advanced Yield Strategies via Ceffu
   • Put your Vaulta tokens to work through sophisticated institutional-grade yield strategies enabled by our strategic partnership with Ceffu. Without relinquishing custody, token holders can access diversified yield strategies, including BTC yield programs, liquid staking, and advanced asset management solutions. Vaulta’s integrated CeDeFi model offers holders institutional-grade security combined with decentralized finance innovation, optimizing returns with controlled risk. 
3. Participatory Governance & Network Evolution
   • Vaulta token holders who stake their tokens and earn rewards actively participate in governance by voting for Block Producers, the entities responsible for managing the network’s consensus and security. This active involvement enhances Vaulta’s resilience and responsiveness. As Vaulta evolves, token holders of all sizes can participate in discussions and proposals, collectively guiding the platform’s strategic direction and future development within Web3 Banking and beyond.
4. Asset Flexibility & Interoperability
   • Vaulta tokens serve as a crucial asset enabling frictionless transactions and seamless movement across blockchain networks. Token holders can effortlessly transfer value and engage with various DeFi protocols, decentralized exchanges, and blockchain ecosystems without encountering the typical friction points associated with cross-chain operations. Vaulta’s trustless Inter-Blockchain Communication (IBC) architecture ensures secure, efficient, and transparent asset portability, empowering holders to diversify their investments, optimize yield opportunities, and confidently navigate a multi-chain financial environment.
5. Exclusive Access to a Strategic Blockchain Resource
   • Holding Vaulta provides access to a secure memory resource economy called RAM, which stores  digital assets, smart contracts, and other data directly linked to physical hardware. RAM’s inherent scarcity and rising demand uniquely position holders to benefit as Vaulta expands its role in decentralized finance and Web3 banking. Essential to powering decentralized applications, critical infrastructure, and high-performance networks, RAM is a key driver of innovation. Projects like exSat, which leverage RAM to efficiently store Bitcoin’s extensive UTXO data, further highlight RAM’s strategic importance and increasing value within Vaulta’s financial operating system.
6. Decentralized trading and uniquely tradeable assets
   • With the imminent mainnet launch of 1DEX, the latest exchange in the ecosystem, token holders have access to uniquely tradeable assets and opportunities unavailable in other ecosystems. 
7. Expanded Opportunities Through RWA Integration
   • Vaulta holders will soon have the opportunity to access exclusive investment options in tokenized real-world assets (RWAs), including fractionalized ownership in traditionally illiquid markets such as real estate, commodities, and equities. Strategic partnerships with leading tokenization platforms will unlock these sophisticated financial products, significantly enhancing portfolio diversification and fostering vibrant, liquid markets.

Mark your calendars for the end of May 2025 (subject to change and confirmation), when the token swap portal will launch, officially transitioning from $EOS to the Vaulta token. Vaulta’s token ticker details will be revealed at a later date. The swap will be bi-directional for four months, allowing users to seamlessly exchange their tokens at a 1:1 ratio through our dedicated swap portal. Users will have secure, convenient access via Unicove, ensuring ease of use and minimizing security risks. Whether you’re a crypto enthusiast, a seasoned developer, or an institution looking to streamline operations, the gateway is open, and opportunity awaits on the other side.

Act now and secure your position in the next financial evolution. The transition from EOS to Vaulta is a real opportunity to capitalize on one of the fastest-growing verticals in blockchain and financial services. 

The Future Starts Now

Vaulta is a clarion call for anyone who believes financial services can be faster, democratized, and readily accessible. Step into the future of finance, where experience matches needs, financial freedom isn’t fictitious, it’s realistic. Global borders no longer exist, and banking is open, inclusive, and benefits the many, not the few. 

We’re standing on the brink of the next financial evolution, a once-in-a-lifetime transformation of the largest global industry. If you’ve been waiting for the moment to join the next financial evolution, there will never be a better time than now. Come build and create with Vaulta. Together, we’ll secure the future. 

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FAQs

When will the EOS rebrand to Vaulta occur?
The official transition from EOS to Vaulta, including the initiation of the token swap, is currently scheduled for the end of May 2025, subject to change and final confirmation. 

What actions are required for on-chain token holders?
On-chain token holders will have access to a dedicated swap portal to exchange their EOS tokens for Vaulta’s new native token. Initially, swaps will be bi-directional but will become one-way after a 4-month grace period, subject to future updates and confirmation.

Do token holders on centralized exchanges need to take any action?
Minimal action is required for token holders on centralized exchanges. The team is coordinating directly with major exchanges to ensure a seamless transition, with exchanges managing the token swap on behalf of users.

Will smart contract owners need to make updates?
Smart contracts currently deployed on EOS may require minor adjustments to reflect the transition. Detailed documentation and developer guidelines will be provided in advance of the transition date.

Will the existing EOS tokenomics be altered?
No. The tokenomics, including allocations, supply, and vesting schedules, will remain unchanged. EOS tokens will be swapped at a 1:1 ratio for the new Vaulta native token.

Has the new token ticker been announced?
Not yet. While the new brand identity (Vaulta) has been announced, details regarding the new token ticker will be strategically revealed at a later date.

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About Vaulta

Vaulta is a highly scalable, high-performance Banking Operating System designed to empower developers and enterprises with unmatched speed, reliability, and flexibility. As a gateway to the Bitcoin ecosystem and a pioneer in decentralized data management through RAM markets, Vaulta is redefining financial infrastructure by bridging Web3 banking with institutional-grade performance. Built on a dynamic and flexible infrastructure, Vaulta enables customizable virtual environments, like Vaulta EVM and exSat, to deliver full data availability and seamless inter-blockchain communication. With zero downtime, instant finality, and one of the lowest transaction costs in the market, Vaulta will unlock the next financial frontier – Web3 Banking.