A small, focused team building a calmer way to earn on stablecoins.
Northvault is operated by a regulated entity in the European Union with an explicit, narrow product focus: USDC and USDT yield, sourced from European business loans, with originator buyback protection. No tokens. No leverage games. No US users.
Northvault operates under a Lithuanian crypto-asset service provider authorization, with cross-border reach via the EU framework.
The European Economic Area, the United Kingdom, the UAE, and select non-restricted jurisdictions. Not available in the United States or sanctioned countries.
Bootstrapped, then private equity-backed. We don't accept investments contingent on aggressive growth that compromises underwriting discipline.
Three things we won't compromise on.
We say no more often than yes. Originators who can't sustain conservative buyback terms don't make the cut.
If a number is variable, we say variable. If it's not guaranteed, we say so. The transparency page exists for a reason.
Multi-sig custody. Daily reconciliation. KYC enforced. Boring, audited, observable.
Built by people who've operated regulated financial products.
A small team with deep experience in fintech operations, payments, and lending. Public bios will be added as the team grows.
Backgrounds in fintech operations, payments infrastructure, and regulated lending. Public bios at launch.
Bios at launchDesignated compliance officer, hired pre-launch. Manages KYC, sanctions, and suspicious-activity workflows.
Bios at launchGoverns originator selection, concentration limits, and reserve policy. Two-person threshold for material decisions.
Bios at launchFrom incorporation to launch.
- 2025-09Founded
Northvault is incorporated to bring a calmer, more transparent stablecoin yield product to non-US users.
- 2025-Q4Custody architecture
Multi-signature treasury structure (hot/warm/cold) deployed on Solana via Squads. Daily reconciliation enabled.
- 2026-Q1First originator partnerships
Initial agreements with EU loan originators with buyback obligations. Concentration limits enforced from day one.
- 2026-Q2Public soft launch
Open beta to friends-and-family in eligible jurisdictions. Manual KYC, full operator review on every withdrawal.
Research and commentary on stablecoin yield, EU lending markets, and regulatory developments.
Read insights