The essence of Web3 banking is to build the next-generation financial infrastructure based on distributed ledger technology, with its core being the realization of 'programmable finance' through smart contracts. Taking Vaulta as an example, its architecture integrates MPC multi-party computing custody solutions with a zero-knowledge proof verification layer, ensuring compliant custody of on-chain assets (in accordance with FATF Travel Rule standards) while achieving a sub-second real-time settlement layer. This architecture not only addresses the settlement delay pain point of the traditional SWIFT system's T+3 but also compresses cross-border payment costs to 1/30 of traditional solutions through a gas fee optimization mechanism.

Its innovative aspect lies in the deep coupling of real-world asset (RWA) tokenization protocols with DeFi liquidity pools, forming a bi-directional liquidity channel between CeFi and DeFi. Users can stake BTC to generate ERC-4626 standardized yield certificates, anchored to compliant exchange rates through Chainlink oracles, directly interfacing with traditional credit systems. For institutional clients, its smart contract engine supports the automated deployment of ISDA agreements, combined with on-chain real-time audit trails, reducing the clearing cycle of complex financial derivatives from T+5 to T+0.

At the regulatory technology level, Vaulta has deployed a dynamic KYC/AML screening module that strikes a balance between privacy protection and compliance review through address clustering analysis and transaction pattern recognition engines. This blockchain-native financial architecture fundamentally reconstructs the three-tiered discrete system of 'account-clearing-custody' from the TradFi era, potentially giving rise to the first banking paradigm that achieves full business chain on-chain through Turing completeness. #Vaulta $EOS