Access on request

The Institutional
Vault for
Digital Dollars

VLUSD is a fully collateralized stablecoin pegged 1:1 to the USD, built with a regulated issuer, KYC and KYB verification and auditable compliance for global markets.

Issuer
Regulated issuer
Access on request
Access
On request
Individuals and companies
KYC and KYB onboarding
Issuer
Regulated
Licensed issuing partner
Issuer details on request
Reserve Ratio
1:1
USD fully collateralized
Held with regulated financial institutions
Network
Multichain
Polygon · Ethereum · Base · Arbitrum and more
Low cost transactions

Why the world needs VLUSD

Global cross border payments move over $150 trillion annually, yet remain slow, expensive, and opaque. Emerging markets carry the heaviest burden, but no region is immune.

The problems today

Slow & Expensive Settlement

Correspondent banking takes days and costs 2 to 5% in fees for cross border USD transactions, globally and not just in emerging markets.

KYC as a Competitive Advantage

Most stablecoins don't include any identity or compliance layer, making it hard for businesses and institutions to meet regulatory requirements with confidence. VLUSD was built with this solved from day one.

Regulatory Uncertainty

MiCA in Europe, the GENIUS Act in the US, and new frameworks across LATAM and Asia are making stablecoin regulation concrete. Stablecoins need to be built for it from the start.

The VLUSD difference

✓

Real Time Settlement

Fast finality and minimal network fees on leading networks such as Polygon. No intermediaries, no delays.

✓

Built In Identity & Compliance

VLUSD includes identity verification built into the platform, creating a transparent and auditable compliance trail for every transaction.

✓

Regulatory Ready Architecture

Built with a regulated issuer and designed to adapt as MiCA, the US GENIUS Act and emerging LATAM stablecoin frameworks evolve.

✓

Regulated Issuer

VLUSD is issued through a licensed partner issuer, with issuance and redemption handled under compliance oversight.

Built for institutions, open to all

Six features working together so VLUSD is safe, transparent and ready for the real world. Whether you're a developer, a company, or an individual.

Full Reserve 1:1 USD

Every VLUSD token is backed by exactly one USD held in custody with regulated financial institutions. No fractional reserve, no algorithmic backing.

KYC Identity Verification

VLUSD includes built in identity verification, so every account meets compliance standards, keeping the network secure and trustworthy for all users.

COMPLIANCE READY

Auditable Compliance Controls

Compliance decisions are recorded together with their reason, giving regulators and auditors a clear trail. Every decision is documented and reviewable.

SECURE BY DESIGN

Regulated Issuance

VLUSD is issued through a licensed partner issuer. Every issuance and redemption follows a controlled, documented process.

INSTITUTIONAL GRADE

Built To Evolve

The platform is designed to adapt as regulations evolve, without disrupting anyone who already holds or uses VLUSD.

FUTURE PROOF

Built To Integrate

A standard token that plugs seamlessly into payment apps, wallets, and enterprise systems.

ERC-20 COMPATIBLE

From USD to VLUSD in minutes

A simple, transparent and institution friendly mint and redeem cycle. Every step verifiable on chain.

1

Deposit USD

Transfer USD to the VLUSD custody account at a regulated financial institution.

KYC verified first
2

Receive VLUSD

Equivalent VLUSD tokens are minted to your wallet address on your chosen network.

Minted on receipt
3

Transact

Send VLUSD globally to suppliers, partners or DeFi protocols. Settles in seconds.

Instant settlement
4

Redeem USD

Submit a redemption request. VLUSD is burned and USD is transferred to your bank account.

Back to USD, always

From global institutions to everyday users

Whether you are a multinational bank or an individual, VLUSD is your dollar on chain. Send, receive, pay, and save in USD with no borders and no intermediaries.

Banks & Financial Institutions

Compliant USD settlement infrastructure built for institutional operations

  • Real time USD settlement rail
  • On chain KYC & AML audit trail
  • Regulated issuer partner
  • Standard ERC-20 token

Investors & Funds

Capturing the LATAM institutional stablecoin opportunity

  • Large LATAM trade market
  • Regulatory ready architecture
  • Built to evolve
  • Native compliance advantage

Import / Export Companies

Eliminate correspondent banking friction for international trade

  • Settlement in seconds vs days
  • Minimal on chain fees vs. 2 to 5% bank fees
  • Full on chain transaction audit
  • No correspondent bank required

Freelancers & Remote Workers

Get paid in USD anywhere in the world, no foreign bank account needed

  • Receive payments globally in seconds
  • No bank account or SWIFT required
  • Hold value in USD, send anywhere
  • Redeem to USD on demand

E-commerce & Digital Merchants

Accept global payments in VLUSD. No chargebacks, instant settlement

  • Accept payments from any country
  • Zero chargeback risk on chain
  • Instant settlement, no holds
  • Standard ERC-20 token, easy to integrate

Individuals & Everyday Payments

Send money, pay for services and hold dollars from any wallet, anywhere

  • Send USD globally in seconds
  • Pay for services without conversion fees
  • Hold dollars in your own wallet
  • Works with any compatible wallet

Open by design, verified on chain

Supply and contract activity can be verified publicly on chain, through the network's block explorer. No black boxes. No trust required.

Contract Address
Verifiable on chain
Ask us for details →
Multi-Chain Ready
Issued on the networks supported by our regulated issuing partner
Ask us about the roadmap →
KYC & KYB
Individuals (KYC) · Companies (KYB)
Request access →
Reserves
Held with regulated financial institutions
Learn more →
1:1
USD collateralization ratio

Every VLUSD in circulation is backed by exactly one USD held in regulated custody. No fractional reserve. No algorithmic backing.

Access on request

Your VLUSD dashboard

Mint, redeem, manage your verification, view your statements and more from one dashboard. The preview below is illustrative.

Portal preview · sample data
Dashboard
Mint
Redeem
Send
KYC / KYB
Transparency
Statements
Settings
Welcome back, Example User
VLUSD Balance
1,250.00
Available balance
USD Value
$1,250.00
1:1 peg · always
Verification
VERIFIED
Sample account
Recent Transactions (sample)
Mint · Wire
Sample
+500 VLUSD
Transfer · On chain
Sample
−200 VLUSD
Redeem · ACH
Sample
−100 VLUSD
Verification complete · Illustrative preview

Portal access is provided to approved users. Request access →

Frequently asked questions

Everything you need to know about VLUSD. Can't find the answer? Write to us at support@vlprotocol.io

What is VLUSD?+
VLUSD (VL Dollar) is a USD backed stablecoin distributed by Vault Protocol and issued through a regulated partner issuer, designed to operate on multiple networks. Each VLUSD token is designed to be backed 1:1 by US dollar reserves held with regulated financial institutions. Designed for institutions and individuals who need a reliable, transparent digital dollar.
Is VLUSD regulated?+
Vault Protocol LLC is incorporated in Wyoming, USA, and VLUSD is issued through a regulated partner issuer. We follow FATF aligned anti money laundering standards and applicable data protection requirements. Reserves are held in regulated financial institutions. Regulatory treatment varies by jurisdiction, so please consult your own advisers.
What countries are supported?+
Availability depends on jurisdiction and verification. Sanctioned jurisdictions (Cuba, Iran, North Korea, Syria and OFAC designated territories) are not supported. We review each user individually, so tell us where you operate when you apply.
Why do I need to verify my identity (KYC)?+
VLUSD follows international anti money laundering standards (FATF) that call for identity verification of all users. KYC protects you and helps keep the platform stable. Higher verification levels may unlock higher mint and redeem limits. Your data is processed securely by us and our regulated partners, and is never sold to third parties.
How long does KYC verification take?+
Identity verification is typically processed automatically. Cases requiring additional review take longer. We will give you an expected timeline when you apply. If you have been waiting too long, contact us at support@vlprotocol.io.
What documents may be requested for proof of address?+
The documents requested depend on your account type and jurisdiction, and are listed during onboarding. Typically they must be recent, show your full name and address, and be uploaded as an original PDF or a clear photo.
What is KYB and who needs it?+
KYB (Know Your Business) is the verification process for corporate and institutional users. It requires company incorporation documents, director identification, and beneficial owner (UBO) declarations. KYB enables company accounts, with limits set per account during onboarding.
Are there fees?+
The fee schedule is shared with each user during onboarding. Network fees depend on the network you choose and are usually small.
How long does a bank transfer take?+
Timing depends on the funding method and the banks involved, and is confirmed during onboarding. Once your funds are received and verified, your VLUSD will be minted and credited to your wallet. Always include the payment reference you are given.
Can I mint with USDC or a credit card?+
Funding is by bank transfer. Other methods, such as USDC, depend on availability for your account. Ask us for details.
How do I redeem VLUSD back to USD?+
Submit a redemption request with the amount and your bank account details. Once approved, your VLUSD will be burned and USD sent to your bank account. Timing depends on the method and the banks involved.
Which wallet should I use with VLUSD?+
VLUSD operates on multiple supported networks, including Polygon. Any WalletConnect compatible wallet works. We recommend: Never share your seed phrase or private key with anyone.
How do I add Polygon network to my wallet?+
Click the button below to add Polygon automatically, or enter these settings manually:
Network namePolygon Mainnet
RPC URLhttps://polygon-rpc.com
Chain ID137
Currency symbolPOL
Block explorerhttps://polygonscan.com
Why don't I see VLUSD in my wallet?+
There are two common reasons:

1. Wrong network. VLUSD is available on specific networks, and your wallet only shows tokens for the network it is connected to. Switch to the network where your VLUSD was issued and refresh.

2. Token not added. Some wallets don't show tokens automatically. Add VLUSD manually using the official contract address for your network, which Vault Protocol provides on request:
Available on request
In MetaMask: go to Tokens → Import token → paste the address above.
I connected my wallet but I'm on the wrong network. What do I do?+
If you don't see your VLUSD, your wallet may be connected to another network. Switch to the network where your VLUSD was issued:
1
Open your wallet and click the network name at the top (e.g. "Ethereum Mainnet").
2
Select the correct network from the list. If it's not there, add it using the network's Chain ID and RPC URL, available in your wallet or in the network's documentation.
3
Refresh the page and your VLUSD balance will appear.
Can my VLUSD be frozen or confiscated?+
VLUSD is issued under compliance controls. As with other regulated stablecoins, tokens linked to illegal activity, sanctions violations, or a valid legal order from a competent authority may be restricted. Ask us for details on how these controls work.
Where can I verify the smart contract?+
VLUSD is issued on a contract operated by our regulated issuing partner. Ask us for the contract address and the verification information available for it.

The dollar, on chain. For everyone.

VLUSD is built for institutions, businesses and individuals worldwide. Transparent, regulated and built to be simple to use.

Request access About Vault Protocol

We'd love to hear from you. Whether you have a question, a suggestion, or feedback to help us improve. Every message is read and appreciated. VLUSD is built for its community and your input shapes the project.

support@vlprotocol.io →

Writing to us shares your name, email and any details you add with the Vault Protocol team. We use them only to reply to you.