Non‑Custodial Digital Asset Infrastructure for Neobanks

Why Neobanks Need Non‑Custodial Digital Asset Infrastructure

Traditional custodial models were not designed for fast‑moving, API‑driven neobanks. Relying on external custodians can introduce settlement delays, opaque risk, and fragmented customer experiences. A non‑custodial approach keeps authorization, policy enforcement, and key management under the neobank’s direct control while still enabling deep integrations with exchanges, on/off‑ramps, and DeFi connectivity.

• Customer trust: Hold assets under your own governance instead of outsourcing custody.
• Operational agility: Launch new asset types and products without re‑architecting custodial relationships.
• Regulatory clarity: Maintain complete visibility into flows, approvals, and signers for every movement of funds.

Secure Digital Asset Management for Modern Banking

Vaultody combines multi‑party computation (MPC) with hardened infrastructure to remove single‑key risk and align with bank‑grade security expectations.

Bank‑Grade MPC Security

Instead of relying on a single private key, Vaultody uses MPC to distribute signing across multiple secure parties. No single device or operator ever holds the full key, and transactions are authorized only when your defined policies and approvals are met.

• Keyless signing with MPC to eliminate single points of failure.
• Hardware‑backed protection for signing parties and critical components.
• Support for leading chains including Bitcoin, EVM networks, and other major protocols.

Segregated Vaults and Transparent Ownership

Each customer, branch, or business unit can operate within its own logical vault, enabling precise segregation of assets and responsibilities.

• Dedicated vaults for retail, business, and internal treasury accounts.
• Clear mapping between customer records and on‑chain addresses.
• Detailed balance and exposure views for finance, risk, and treasury teams.

Role‑Based Access and Governance Controls

Vaultody enables neobanks to express their existing internal control framework—such as four‑eyes approvals and dual‑control limits—directly in the wallet and transaction layer.

• Role‑based access control with granular permissions per user, team, and environment.
• Configurable co‑signer rules for high‑value or high‑risk transactions.
• Policy‑driven approvals based on amount, asset type, counterparty, or destination address.

Automation, APIs, and Seamless Integrations

Neobanks win on automation and customer experience. Vaultody is built API‑first so digital asset operations integrate natively into your existing stack.

API‑First Architecture

Every core operation—from wallet creation to withdrawal approval—is accessible through documented APIs designed for engineering teams building banking‑grade platforms.

• REST APIs for wallet management, transactions, and policy configuration.
• Real‑time webhooks for deposits, withdrawals, failed attempts, and policy events.
• Idempotent operations and predictable error handling for robust integrations.

Connectivity to Banking and Payment Rails

Vaultody slots into the systems you already use, rather than forcing a parallel stack for digital assets.

• Integration patterns for core banking systems, CRMs, and ledger engines.
• Hooks into payment processors and card issuing platforms for crypto‑funded spend.
• Support for reconciliation and settlement workflows between fiat and digital ledgers.

Exchanges, Liquidity, and On/Off‑Ramps

Neobanks can extend their product portfolio with integrated trading, conversions, and yield products while controlling the underlying wallets.

• Connectivity to centralized exchanges and liquidity providers for execution.
• Support for fiat on‑ramps and off‑ramps to streamline customer deposits and withdrawals.
• Optional DeFi connectivity through governed wallets, where regulation permits.

Compliance, Auditability, and Global Standards

Digital banks operate under strict regulatory oversight. Vaultody is designed to surface the data and controls compliance teams need without slowing down product development.

Full Transaction Logging and Traceability

Every action in Vaultody—policy change, user access, approval, and on‑chain transaction—is recorded with time, actor, and context.

• Immutable audit logs for internal and external reviews.
• Exportable activity reports for regulators, auditors, and banking partners.
• Correlation of on‑chain events with internal user IDs and account structures.

Travel Rule and AML Alignment

Vaultody can be paired with compliance and analytics providers to support Travel Rule data exchanges and AML programs.

• Hooks to KYT and blockchain analytics tools for screening and monitoring.
• Support for Travel Rule workflows where required by jurisdiction.
• Policy controls to prevent transfers to unapproved or high‑risk destinations.

Designed for Bank‑Level Assurance

Vaultody’s controls and processes are structured to align with information security frameworks such as SOC 2 and ISO 27001, giving neobank stakeholders confidence in the underlying infrastructure.

Scalable Multi‑Chain Account Infrastructure for Customer Growth

As your customer base scales across regions and products, you need an account architecture that can grow with it. Vaultody provides unified, multi‑chain account management tailored to neobanks.

Unified Multi‑Chain Customer Accounts

Vaultody supports leading blockchain networks within a single platform, allowing you to manage all customer digital assets consistently.

• Address management for Bitcoin, major EVM chains, and other supported networks.
• Per‑customer vaults spanning multiple assets and chains.
• Standard naming and tagging to align wallets with your internal account model.

Operational Clarity at Scale

With thousands or millions of accounts, visibility and control become critical. Vaultody surfaces operational data in ways that finance and operations teams can use.

• Real‑time balances, exposures, and utilization by asset, product, or segment.
• Automated routing rules for deposits and withdrawals to optimize costs and UX.
• Tools to separate production, staging, and test environments safely.

Supporting High‑Growth Neobank Roadmaps

Whether you are launching your first crypto offering or expanding into stablecoins, tokenized deposits, or rewards, Vaultody is designed to evolve with your roadmap.

• Flexible API surface for building new features on top of the same custody core.
• Support for new chains and assets as they are added to the platform.
• Architecture that avoids re‑onboarding customers when products change.

Vaultody Solutions for Neobanks

Different neobanks have different priorities—some focus on custody and compliance, others on treasury and automation, others on embedded wallets. Vaultody offers modular, enterprise‑ready solutions built on the same MPC core.

Direct Custody

Category: Digital Asset Direct Custody

Direct Custody puts your neobank fully in control of digital asset keys and policies. Use MPC wallets to secure customer funds, implement multi‑level approvals, and maintain segregation between customer, treasury, and operational accounts.

• Non‑custodial control: keys never leave your governance perimeter.
• Institutional policies and approvals for every movement of funds.
• Clear separation between client assets and internal balances.

Treasury Management

Category: Crypto Treasury Management

Treasury Management is tailored for finance and treasury teams that oversee liquidity, funding, and risk across digital assets.

• Policy‑based sweeps between hot, warm, and cold environments.
• Limits by asset, counterparty, and business line.
• Transparent reporting to treasury, risk, and executive stakeholders.

Wallet as a Service

Category: Wallet as a Service (WaaS)

Wallet as a Service lets your engineering team embed secure, multi‑chain wallets directly into your apps and customer flows, without building custody from scratch.

• API‑driven wallet creation, address generation, and transaction flows.
• Support for retail and business products, including white‑label wallets.
• Designed for high‑availability neobank and fintech environments.

Tokenization and Stablecoin Operations (Coming Soon)

Vaultody is also developing tokenization and stablecoin operations capabilities to support tokenized deposits, on‑chain settlement, and programmable money workflows, aligned with future regulatory guidance.

Frequently Asked Questions for Neobanks

What makes Vaultody different from a traditional crypto custodian?

Traditional custodians take possession of your customers’ assets and centralize key management. Vaultody provides non‑custodial infrastructure: you retain operational control, define policies, and keep assets under your own authorization model while still benefiting from shared security primitives and integrations.

Can we start small and scale later?

Yes. Many neobanks begin with a limited asset set or region and expand over time. Vaultody’s architecture supports incremental roll‑outs—by geography, product, or customer segment—without re‑implementing the custody core.

Does Vaultody support both retail and business neobanking use cases?

Vaultody supports both. You can define different policy sets, vault structures, and transaction limits for retail, SME, corporate, or internal desks while operating everything on a unified infrastructure layer.

How does Vaultody help during audits and regulatory reviews?

Because every transaction, policy change, and approval is logged with context, you can export detailed evidence for internal auditors, regulators, and external partners. This includes who approved what, when it was signed, and which wallets and accounts were involved.

How to Get Started with Vaultody as a Neobank

1. Book a discovery call. Align on your regulatory context, asset coverage, and roadmap.
2. Run a technical demo. See MPC signing, policy configuration, and APIs in action with realistic flows.
3. Launch a sandbox or pilot. Connect test environments, set up sample vaults, and validate internal processes.
4. Roll out to production. Migrate real flows in phases, supported by Vaultody’s implementation team.

When you are ready, you can explore Direct Custody, Treasury Management, and Wallet as a Service individually or as a combined platform.

Partner With Vaultody

More than 100 teams already trust Vaultody with the security of their digital assets—from exchanges and payment processors to fintechs and financial institutions. Neobanks can leverage the same non‑custodial, MPC‑powered infrastructure to launch digital asset products that are secure, compliant, and ready to scale.

• Non‑custodial MPC custody tailored to digital banks.
• Bank‑grade governance, logging, and auditability.
• API‑first integrations with your existing stack.
• Support for growth across assets, regions, and products.

To discuss your roadmap and see how Vaultody can support your neobank, reach out to the team or request a tailored demo.