Product catalogue
Seven proposed products, seven legal perimeters
Each card opens a design brief. Savings (a bank deposit) and Earn (assets put to work) are deliberately separated.
Proposed products only. No rates, balances or yields are shown or offered.
Custody
Crypto Vault (custody)
Holding client BTC/ETH on a segregated basis — not a deposit.
Customer journey (concept)
- 1Client chooses vault service and reads custody terms.
- 2Wallet address screening and travel-rule checks.
- 3Assets held in segregated client wallets with the licensed custodian.
- 4Client may withdraw subject to security controls.
Source of yield / return
None. Vault assets are not lent, staked or reused.
Legal classification to verify
Digital-asset custody — confirm whether VIFC recognises it and under which instrument.
Regulated entity
Separately licensed crypto custody / asset service provider.
Licence dependency
Custody / CASP authorisation — status in VIFC to be verified.
Operational guardrails
- •No rehypothecation; on-chain proof of segregation.
- •Bankruptcy-remoteness opinion required.
- •Independent cyber and key-management audit.
Client rights
- •Proprietary claim to identified assets (subject to legal opinion).
- •Clear withdrawal and incident notification rights.
Go / no-go conditions
- GO only with custody licence and segregation opinion.
- NO-GO if assets would sit on the bank's balance sheet as deposits.