Your Business Cash Should Work Harder
Small businesses hold millions in bank accounts earning 0.01%. Turn idle cash into yield-generating stablecoin positions earning 3-8% — without the DeFi complexity.
The Opportunity Cost Is Real
💤 Traditional Bank
Annual Yield
- Earning essentially nothing
- Losing value to inflation
- No transparency into holdings
- Limited access hours
🚀 VaultDLT
Annual Yield
- Competitive stablecoin yields
- Outpace inflation
- Full on-ledger transparency
- 24/7 deposits & withdrawals
📊 Real Example
$50,000 business reserve fund held for 1 year:
Traditional Bank: $5
VaultDLT (5% avg): $2,500
That's $2,495 left on the table with traditional banking.
Built for Business Owners, Not Crypto Traders
Simple Deposits & Withdrawals
Deposit RLUSD or USDC. Withdraw anytime. No lockups, no complicated swaps.
Competitive Yields
Earn through XRPL AMM pools and lending protocols. Rates displayed transparently.
On-Ledger Transparency
See your funds on the XRPL at all times. Not "trust us" — verify yourself.
No DeFi Jargon
No "liquidity pools" or "impermanent loss". Just deposit, earn, withdraw.
Business Dashboard
Track deposits, earnings, withdrawals. Download monthly statements for accounting.
Tax Reporting
Yield earnings tracked and exportable for tax filing. Make your CPA happy.
Auto-Compound
Earnings automatically reinvested to maximize growth (optional).
Multi-Vault
Create separate vaults for different purposes: emergency fund, tax reserve, growth fund.
Smart Alerts
Get notified of rate changes, large withdrawals, or when your target balance is hit.
How It Works
Create a Vault
Name it, set a goal, choose your token (RLUSD/USDC)
Deposit
Send stablecoins to your vault address
Earn
Yields accrue daily, visible in your dashboard
Withdraw
Pull funds anytime, settled in seconds on XRPL
Report
Download tax-ready statements for easy filing
Simple, Transparent Pricing
- 1 vault
- Up to $10,000 deposited
- Basic dashboard
- Manual withdrawals
- Standard yield rates
- Unlimited vaults
- Unlimited deposits
- Auto-compound earnings
- Tax reports & exports
- Smart alerts
- Priority support
- Everything in Pro
- Team access (5 users)
- API access
- Custom statements
- Priority withdrawals
- Dedicated support
Frequently Asked Questions
Is VaultDLT FDIC insured?
No. VaultDLT is not a bank and deposits are not FDIC insured. Your funds are held in XRPL stablecoin positions that you can verify on-ledger at any time. This is a different trust model than traditional banking.
How are yields generated?
Yields come from XRPL AMM pools and lending protocols. Your stablecoins are put to work in DeFi markets, but we handle all the complexity. You just see the returns.
Can I lose money?
Yields are variable and not guaranteed. While we use stable strategies, crypto markets carry risk. Past performance does not predict future results. Only deposit funds you can afford to have in a higher-risk yield position.
How fast are withdrawals?
Withdrawals settle on XRPL in seconds. Free tier: standard processing. Pro/Business: priority processing for faster access.
What tokens do you support?
Currently RLUSD and USDC on XRPL. More stablecoins coming based on demand.
Do you report to the IRS?
You are responsible for reporting yield earnings to tax authorities. VaultDLT provides exportable statements to make tax filing easier, but we do not file on your behalf.
How is this different from a bank savings account?
Banks offer FDIC insurance but pay essentially zero interest. VaultDLT offers higher yields through crypto markets with full transparency, but without FDIC protection. Different risk/reward profile.
Who should use VaultDLT?
Small business owners with $10K-$500K idle cash reserves, contractors building emergency funds, freelancers wanting better yield — anyone comfortable with crypto-level risk for higher returns.