The on-chain credit rail
for physical luxury.
Vaulx is a Solana-native protocol connecting physical luxury collateral — watches, jewellery, fine objects — to global on-chain capital. Smart contracts settle every loan. Licensed counterparties hold the asset. We don't take custody. We don't hold capital.
Two-minute primer
See it in two minutes.
What Vaulx is, what it does, who it's for. A short walkthrough.
↓ Then pick your side
Who it's for
Two sides. One protocol.
Get USDC against the watch you already own.
Cheaper than every formal credit option in Brazil, with 2.5× more capital per asset than the only legal pawn lender (Caixa penhor: 30% APR at 20% LTV). No credit check on you — only an appraisal of the asset.
Earn yield, backed by physical luxury collateral.
Senior beats syrupUSDC (~7%) by 100 bps with insurance underneath. Loss waterfall: borrower equity → POL first-loss → Junior tranche → Senior tranche.
How it works
Three steps. One signature.
cNFT mint, collateral lock, and USDC borrow happen in a single Solana transaction. There is no Vaulx-controlled "approve" between you and your money — the contract enforces every transition.
Deposit
Deliver your asset to a licensed custodian.
KYC via Sumsub. Tri-lateral appraisal (online + offline + curator). The asset is deposited with a licensed counterparty — Sekuro / Brink's / Loomis depending on market — and held in an insured climate-controlled vault under a Lloyd's master policy.
Borrow
One signature releases USDC.
A cNFT representing the asset is minted on Solana. The contract locks it, debits the LP pool, and credits your wallet — atomically. We don't take custody of the asset. We don't hold the capital.
Repay
Pay back at 2% / month. Your asset returns.
Pay in USDC or Pix. On default: a 24h margin call to top up, then a 14-day Dutch auction with reseller and open-bid tiers. POL absorbs the first 5%.
Most lenders see your watch as scrap metal.
We see it as a Patek Philippe.
Why trust us
We don't take custody. We don't hold capital. Smart contracts settle everything.
Atomic gates
Read more →Five contract-enforced transitions. No USDC disburses without on-chain custody confirmation in the same transaction. The Vaulx team cannot release funds, cannot pause a loan mid-flight, cannot override the borrower.
Licensed custody, insured
Read more →Insured climate-controlled vaults operated by licensed counterparties — Sekuro, Brink's, Loomis depending on market. A Lloyd's master policy covers theft and damage to the trustee on every asset under custody, re-marked quarterly.
Multisig governance · skin in the game
Read more →Every sensitive instruction (deposit, withdraw, pause, default) is gated behind a Squads V4 2-of-3 multisig with timelock. We post a 5% protocol-owned first-loss reserve on every loan — first to take a hit before any LP.
Public, audited code
Read more →76 tests green on devnet today. Audit lands Day 0, mainnet Day 90, then 50 customers by Q3 and 100 by Q4 2026.
Built on
Composable with the institutional Solana stack.
We integrate at the protocol level with the public infrastructure already running on Solana. Credit liquidity, identity, smart-wallet auth, and price feeds — read-everywhere, no closed market.
Team
Operators, builders, and market access.
The team combines banking, electronic-security infrastructure, Solana engineering, and live DeFi distribution.
Contact