Platform Guide
Everything you need to know to use VaultOX as an institutional operator
Getting Started
VaultOX is a cross-border stablecoin settlement platform for regulated institutions. Here's how to go from zero to your first settlement:
Connect Wallet
Use a Solana wallet (Phantom, Backpack, etc.) to authenticate. VaultOX uses challenge-response signature auth — no passwords.
Get Credentialed
Submit your institution's KYC documents. An admin reviews and issues your Vault Passport — a non-transferable on-chain credential.
Start Operating
Once verified, you can initiate settlements, deposit into vaults, view compliance status, and generate regulatory reports.
Credential Tiers
Your Vault Passport credential determines what you can access on VaultOX. Higher tiers unlock more corridors, riskier yield strategies, and advanced features. Tiers are assigned based on your institution's regulatory status and documentation.
Standard
All verified institutions
- Low-risk vault strategies (T-Bills, ~4.2% APY)
- Basic cross-border settlement corridors
- View compliance passport & audit trail
- Generate FINMA/MiCA/MAS reports
- Access settlement history & tracking
Professional
Licensed VASPs, registered financial entities
- Everything in Standard, plus:
- Medium-risk vault strategies (Private Credit, ~7.8% APY)
- Expanded settlement corridors
- Priority settlement processing
- Advanced compliance analytics
Institutional
Tier-1 banks, regulated asset managers, sovereign wealth
- Everything in Professional, plus:
- High-risk vault strategies (Commodity, ~11.4% APY)
- All global settlement corridors
- Custom compliance report frameworks
- Dedicated admin controls & API access
How tiers relate to vault access: Lower tier number = higher access. A Tier 3 user can access any vault strategy that requires Tier 3 (low-risk). A Tier 1 user can access all strategies. Your tier is checked on-chain before every deposit.
Cross-Border Settlement
VaultOX settles cross-border USDC transfers in under 2 seconds on Solana. Every settlement includes on-chain credential verification, locked FX rates via SIX, and FATF Travel Rule payloads.
Select Counterparty
Choose the receiving institution. Both parties must hold a valid Vault Passport credential.
Enter Settlement Details
Specify the amount, corridor (e.g., CHF → USD), and provide Travel Rule data (originator/beneficiary info).
FX Rate Locks
VaultOX fetches the real-time FX rate from SIX Swiss Exchange and locks it. You see the exact rate before confirming.
Sign & Submit
The platform assembles the transaction. You sign with your wallet, and the transaction is submitted to Solana.
Confirmation
Transaction confirms on-chain in ~1.8 seconds. Both institutions can verify the settlement on Solana Explorer.
What if the counterparty isn't credentialed? The settlement will be blocked at the protocol level. VaultOX's Transfer Hook on Solana checks both sender and receiver credentials before any transfer executes. This is on-chain enforcement, not just a UI check.
Treasury Vaults
Between settlements, institutions need somewhere to park idle USDC compliantly. VaultOX vaults provide tier-gated yield strategies so your treasury earns while waiting for the next settlement.
| Strategy | Risk Tier | ~APY | Required Credential | Description |
|---|---|---|---|---|
| T-Bill Yield | Low | 4.2% | Tier 3 (Standard) | Government-backed treasury bill exposure |
| Private Credit | Medium | 7.8% | Tier 2 (Professional) | Diversified private credit pool |
| Commodity Fund | High | 11.4% | Tier 1 (Institutional) | Gold/Silver commodity-backed strategy |
Tier gating is enforced on-chain. If your credential tier doesn't meet the strategy's minimum requirement, the deposit transaction will be rejected by the Solana program — not just blocked in the UI. This provides hard regulatory safety.
Compliance & Reports
VaultOX generates audit-ready regulatory reports from live data. Every settlement, credential change, and AML screening is persisted to the audit trail and can be exported in FINMA, MiCA, or MAS format.
Compliance Passport
View your institution's on-chain credential, tier, jurisdiction, and permission set. Accessible from the Compliance page.
Audit Trail
Every critical action — logins, settlements, credential changes, AML screenings — is logged with timestamps and actor details.
Regulatory Reports
Generate FINMA, MiCA, or MAS compliance reports for any date range. Reports are generated from live database records.
AML Screening
Rules-based risk scoring is run on every wallet. Results are persisted and included in compliance reports.