Banking without
deposits
Neuvault is onchain shadow banking. Access liquidity, credit, and yield—while your funds stay in your vault, always.
Protocol Architecture
Neuvault replicates banking functions through protocol logic— without deposits, balance sheets, or custodial risk.
NON-CUSTODIAL
Funds remain in user-owned smart vaults at all times.
ZK-PROVEN
Solvency verified cryptographically, not institutionally.
AI-ROUTED
Intelligence without discretionary control over capital.
Smart Vault Layer
User-owned capital containers. Each vault is isolated—no pooled funds, no shared liabilities.
AI Capital Routing
Observes liquidity depth, credit spreads, and RWA yields. Only smart contracts execute.
Liquidity & Credit Routing
Access DeFi pools and RWA credit without deposits. Neuvault routes capital, never holds it.
Zero-Knowledge Proofs
System-wide solvency verified without revealing balances or identities.
Banking Functions,
Not Institutions
Neuvault replicates banking through protocol logic— without deposits, balance sheets, or custodial risk.
Utility-First Token Design
$NEUVAULT secures protocol behavior and aligns incentives — not a store of value, but a coordination mechanism.
Development Roadmap
Building robust infrastructure for non-custodial banking functions.
Protocol Foundation
Smart vault contracts, core routing logic, and developer documentation.
Testnet Launch
Public testnet deployment, AI routing engine beta, community testing.
Security Audits
Third-party audits, ZK proof verification, bug bounty program.
Mainnet Preparation
Gradual rollout, liquidity partnerships, governance framework.
Get protocol updates
Technical deep dives, protocol updates, and research on non-custodial banking infrastructure. No spam, no marketing fluff.
Neuvault is an interface to the Neuvault decentralized protocol. Neuvault is a decentralized shadow banking protocol, not a regulated financial institution, bank, or money services business. The Neuvault interface is provided by Neuvault Labs.
Neuvault does not custody your assets. All assets securing your Neuvault Smart Vault are owned and custodied by you onchain. The value of any cryptocurrency, including stablecoin assets pegged to fiat currency, commodities, or any other asset, may go to zero. Stablecoin balances are not bank deposits and are not insured by any government agency.
Rewards, yields, and rates are variable and subject to change. Zero-fee transfers refer to protocol-level routing; third-party network fees or gas fees may apply. Use of the Neuvault protocol involves significant risks, including the potential loss of funds due to smart contract failure or market volatility.