VAULD CRYPTO APP REVIEWS
Build Wealth Automatically With Crypto
Earn. Borrow. Trade .GET STARTED NOW
Earn Interest On Your Crypto
Earn the industry’s highest interest rates on major cryptocurrencies
Interest is calculated daily, and paid out weekly on all your tokens.
Withdraw any amount at any time while you earn interest.
Fixed Term Deposits
Opt-in to fixed deposits to earn higher interest rates. Opt-out with zero penalties.
Interest earned is compounded every week or at the end of the fixed deposit term.
Our APY Rates:
Borrow Against Your Tokens
Take a low interest loan against your existing crypto assets.
LTV of 66.7%
Borrow up to an LTV of 66.67%.
Get your loan approved and receive your tokens instantly.
No Hidden Fees
Pay only the interest accumulated during the loan duration. No additional charges, no hidden fees.
Pay Back Anytime
Pay back anytime, in any number of installments.
Trade With Crypto
Trade on a deep order book with all our supported tokens.
Liquidity of over $50M
Access to liquidity of over $50M.
0% maker and 0.05% taker fees
Earn Interest While Trading
Earn interest on your tokens while trading with them.
Swap On The Go
Swap on our Android and iOS APP to manage your portfolio on the go.
Not an advanced trader? You can still make easy, instant trades with our Instant Swap (Crypto) productSTART TRADING
Community is at the heart of what we’re doing. Join our forum to discuss:
Feedback and Ideas
Tell us what’s great about Vauld, what isn’t and what do you want it to look like?
A space to discuss broader topics about crypto like global adoption and upcoming tokens.
Get support and make sense of building things around Vauld using our APIs.
News from Vauld
Read about what we’ve been up to from feature launches to recent additions on our team.Join us here in building a better community to learn and share!
An Overview Of Our Liquidity Management
As soon as a user deposits funds to their Vauld wallet, it goes to a centralised pool. From this centralised pool:
The funds allocated for lending is lent out to borrowers (with a float maintained for withdrawals on the platform). This lets us give interest to our users.
The loans to our borrowers are risk free. They are overcollateralised by at least 150%, and are typically repaid in 30 days.
The funds allocated for trading is stored with our trusted exchange partner (currently Binance), to facilitate trades on their order books.
In addition to facilitating core crypto needs (owning, lending, borrowing, trading and spending), we stand by some strong values at Vauld. Every Vauld customer can be assured of being treated right by these values.
Our core goal is to give a delightful experience to our customers, and our business, product and tech goals are aligned accordingly. We take the time to listen to them, incorporate their feedback. and resolve their problems as quickly as possible. We take customer satisfaction very seriously.Seamless Product Experience
Our team has deep experience in building tech products with massive scale. We try and bring the best product experience to our customers, so that they have a seamless experience on our platform. We are available across Desktop, iOS and Android.Continuous Upgrades
We are constantly working to improve our ecosystem of products and partnerships. This reflects as small and large addtions to our product offerings, and improves the scope and ease of what our customers can do on our platform.
Extremely Competitive Rates
Our interest rates and trading fees are among the best in the industry. You can earn interest of up to 11.57% (APY) on your cryptocurrencies, and borrow tokens with our spread being as low as 1%. We don’t charge deposit or withdrawal fees, or fix a cap on your daily withdrawals. You can check all our fees and rates here.Transparent Business Practices
We have completely transparent business logic for all our products. You will not find hidden fees or charges anywhere on the platform. What you see is what you get.Versatile Customer Needs
We understand that there are several types of customers in the world of cryptocurrencies. Buying, lending, trading are just some of their needs. We keep a continuous eye on the crypto ecosystem, and try to build out a relevant and holistic platform for our customers’ cryptocurrencies.Featured In
Try us out, let us know what you think! Or simply chat with us about crypto, we are open to conversations.
Start building wealth with your crypto.GET STARTED NOW
A Story Of Money And The Future Of Banking
To answer why we created Vauld, we have to dive into the details of how banking evolved”
During the 20th century, developments in telecommunication and computing caused major changes to the way banks operate – letting banks dramatically increase in size and geographic spread. This consolidated the industry and gave the power to a few firms.
The taxpayer bailed out the biggest bank – giving them the status of ‘Too Big To Fail’. This label gives them the fallback that no matter how irresponsible they are, the citizens of the nation will pay for them to thrive.
As early as the
2nd century BC
As early as the 2nd century BC, people who could save money started lending them out to people who could borrow and pay back with interest. Banking as an industry thrived in Italy and grew with the expansion of the Roman Empire.
Fast forward to
Fast forward to 2007: their recklessness caused the financial crisis of 2007-2008, forcing the failure of many banks, including some of the world’s largest.
Governments and banks can fall, or change their monetary policies, at any time – and your currency today can literally have no value tomorrow (recent examples include Indian demonetization, Argentina, Venezuela, Zimbabwe) How do you know it won’t happen to your country?
Do you ask these questions? Well, we do all the time.
The origin of Bitcoin
In 2008, the government let the banks live by infusing 1.2 trillion dollars of the taxpayer’s money into a handful of banks.
Here’s Alan Greenspan (Chairman – Federal Reserve: 1987-2006), the guy who decided how much money to print in America, admitting that his model was flawed in 2008.https://www.youtube.com/embed/R5lZPWNFizQ?wmode=opaque&enablejsapi=1
Such recklessness by the government and banks created a need for innovation in the way our currencies operate. It created a need to break our dependence on governments and banks for our financial needs.
And then in 2009, something magical happened. Satoshi Nakamoto released his white paper which proposed a trust-less system to facilitate transactions in a purely peer to peer and decentralized fashion. This removed the need for a centralized authority like a government or bank, making it truly beneficial for every user holding the currency.HERE’S THE BITCOIN WHITEPAPER
Bitcoin – A Revolutionary Concept
If all of us adopted Bitcoin, countries will no longer enter hyper-inflation and your transactions will not be restricted or controlled by government.
But, this solution has its drawbacks
There is a technological bottleneck of
7 transactions per second
And importantly, it expects everyone to have and accept
Bitcoin as a legitimate currency
Some governments, after looking at the threat that bitcoin poses, have decided to take an anti-crypto stance. This ensures that nation wide acceptance does’t happen at a scale where it replaces their national currency.
This Is Where We Come In
At Vauld, we intend to treat your cryptocurrencies as a separate asset class, and offer services to ensure technologies based on blockchain are usable as of today. This would negate the need for government acceptance and nationwide adoption for cryptocurrencies to disrupt the banking sector.
We Aim To Enable The Core Elements Of Banking To Every Crypto User. So Every Vauld User Would Get:
Store Of Value
The ability to keep their money in a safe place. Cryptocurrencies solve for this very well because – Trust in the ledger >> Trust in banks
Users will be able to earn interest or borrow money as and when they like, without having the need to liquidate their crypto holdings.
An easy and convenient way to spend their money in the place of their choice – through a credit card backed by their crypto assets. A clean and efficient overdraft system.
Users can easily exchange their cryptocurrencies for other tokens and FIAT currencies.
This would give every Hodler the ability to completely bank on blockchain today.There has never been a time of greater promise, or greater peril for the banking sector.
Dr. Klaus Schwab
Founder of the World Economic Forum
The Execution Of Our Vision
With our products and partnerships, we aim to provide a holistic banking system for your crypto and FIAT currencies. This connects the scattered economies of different cryptocurrencies and connects them to the global economy, which ensures a much greater value to crypto users.