Put every idle euro to work.
Vaulteller is a non-custodial execution terminal for decentralised finance. It routes your capital — and never holds it — into audited third-party protocols like Aave that historically generate 8–12.4% APY. Bridge euros via Monerium or bring your own keys. Set your strategy once; the terminal executes on-chain while custody stays yours.
FIGURES AS OF · HISTORICAL PERFORMANCE OF UNDERLYING THIRD-PARTY PROTOCOLS · INDICATIVE, NEVER GUARANTEED — VAULTELLER ROUTES, IT DOES NOT GENERATE YIELD · HOW WE REPORT FIGURES · RISK DISCLOSURE
Your money is sleeping.
While it sits in a bank account earning nothing, inflation silently erodes its value.
€1 / year on €10,000
historical protocol performance — €1,240 / year on €10,000, never guaranteed
Simulate Protocol Routing
SIMULATION ONLY — the rates shown are the historical performance of underlying third-party protocols, not a guarantee, forecast or promise from Vaulteller. Vaulteller routes capital; it never holds it and never generates yield.
| Comparison criteria | Traditional Bank | DeFi Protocols (via Vaulteller UI) |
|---|---|---|
| APY | 0.01% | 8–12.4% historical, underlying protocols (variable, never guaranteed) |
| Yearly yield on €10,000 | €1 | €800–€1,240 (historical) |
| Minimum to start | €500–€5,000 lump sums, or €50–€200/month plans | From €10 — route any amount, any time |
| Time lock | 6–36 months on time deposits — early exit penalised or blocked | None — exit on-chain positions any time |
| Custody | Bank holds funds | Self-custody — your keys; Vaulteller never touches funds |
Your capital, automated.
A single terminal to route, monitor, and rebalance your capital across multiple third-party protocols and asset classes.
Three steps to sovereign capital.
From zero to automated in under five minutes.
Choose Your Route
Two ways in. The Fiat Bridge: connect a bank account via Monerium (a licensed EMI) and mint EURe straight to the smart contract. Or skip KYC entirely with BYOK — connect your Ledger, Trezor or Web3 wallet. Vaulteller never takes your deposit.
Set Your Execution Profile
Move the risk slider once. Your entire capital doctrine — protocol allocation, from conservative to aggressive — in a single gesture.
Terminal Executes
The terminal routes your assets to audited third-party protocols that historically generate up to 12.4% APY, rebalancing and compounding 24/7 through smart contracts you control. Custody never leaves your keys.
Built on battle-tested infrastructure
Routing through the most audited, time-proven protocols in decentralised finance.
AAVE
UNISWAP
ALCHEMIX
EURC
XAUT
ETH
BTC
SOL
OP
USDT
LOFTY
What early pilots are saying.
Real feedback from the Italian pilot programme — before the public launch.
I was sceptical about DeFi at first, but Vaulteller made it simple. In three months my idle euros are finally working — and I can see everything on-chain.
The zero-custody approach convinced me. No one holds my money, yet the terminal compounds automatically. It's the transparency that makes the difference.
I routed a portion of my savings from a bank time deposit into audited DeFi protocols through Vaulteller. The difference in yield is striking — and I can exit whenever I need to.
Built for the sovereign individual.
Every tool you need to route your capital — without trusting a single intermediary.
Risk Spectrum
One continuous slider from conservative to aggressive. The terminal automatically adjusts your protocol allocation across BTC, ETH, SOL, stablecoins, and gold.
Curated Index
Declare your convictions — clean energy, digital gold, biotech. The engine composes a personalised index token that compounds your beliefs.
Self-Repaying Loans
Route into self-repaying protocol positions: your debt dissolves itself through yield, automatically. The principal stays untouched while the position self-liquidates.
Zero Custody
We never hold your money. Not a feature — an architectural commitment. Your capital moves through auditable smart contracts into protocols you can verify.
Bring Your Own Keys (BYOK)
The Sovereign Route. Connect Ledger, Trezor or any Web3 wallet and keep your private keys on your own device. Vaulteller operates strictly as the UI layer over your keys — a highway, never a vault.
Card Link (NFC)
Tap your card on the NFC terminal and execution is authorised instantly. No wallet setup, no crypto knowledge, no jargon. One gesture.
Real Estate (RWA)
Fractional tokenised property on-chain. Rental yield without a notary, real estate exposure without the minimum ticket. The oldest asset class, finally composable.
We never hold your money.
Not a feature — an architectural commitment. Vaulteller is a highway, not a vault: your capital moves through smart contracts you can audit, into protocols you can verify.
Bridge via Monerium
Connect your bank account through Monerium, a licensed EMI, and mint EURe directly to the smart contract. No crypto knowledge required.
- ◆Instant onboarding — no wallet setup
- ◆Fiat → EURe via a licensed third-party EMI
- ◆Full strategy control from the terminal
- ◆Funds move contract-to-contract — never through Vaulteller
Bring Your Own Keys
No KYC. Connect your hardware wallet and keep signing power on your device — Vaulteller is only the UI layer over your keys.
- ◆Connect Ledger · Trezor · Keystone
- ◆Every transaction signed on device
- ◆Private keys never leave hardware
- ◆Full on-chain auditability
Choose your level of sovereignty.
Start free. Upgrade when you're ready for full control.
Seed
For the curious individual beginning their journey.
- ◆1 execution strategy
- ◆Conservative & Balanced profiles
- ◆EURC + ETH majors access
- ◆Fiat bridge · guided onboarding
- ◆Basic auto-rebalance
- ◆Full majors (XAUT · BTC · SOL)
- ◆Curated Index
- ◆Self-custody / hardware wallet
Architect
For the data-sovereign individual.
- ◆Up to 5 execution strategies
- ◆Full risk spectrum + sub-controls
- ◆All 5 majors: EURC · XAUT · ETH · BTC · SOL
- ◆Curated Index — personalised basket
- ◆All funding routes (Fiat Bridge + BYOK)
- ◆EMV Card Reader (full)
- ◆Self-repaying loans
- ◆Hardware Wallet 101 + self-custody
Sovereign
For institutions and operators.
- ◆Unlimited execution strategies
- ◆Custom strategy programming
- ◆Custom basket API
- ◆API access & webhooks
- ◆EMV + NFC reader SDK
- ◆Multi-protocol DeFi routing
- ◆White-label deployment
- ◆Dedicated strategy desk
The €29 (Architect) and €199 (Sovereign) fees are a software subscription, billed monthly and processed by Stripe as Merchant of Record. They grant access to the premium routing interface and automated smart-contract execution tools. They are not an investment, not a deposit with Vaulteller, and give Vaulteller no claim on, or access to, your capital — which is handled exclusively via Monerium or your self-custody wallet (BYOK).
Frequently asked questions.
Vaulteller is software: an execution UI that routes your assets into audited, battle-tested third-party protocols (Alchemix, Uniswap, Aave) whose historical performance the platform reports. It never holds your funds — positions stay in smart contracts under your control. Third-party smart-contract risk can never be fully eliminated — see the Risk Disclosure.
No. Vaulteller never generates yield and never promises returns. Published APY figures are the historical performance of the underlying third-party protocols the terminal routes to; they are indicative, variable and never guaranteed. Past performance does not predict future results — see the Metrics Methodology.
Diversification is the first line of defence: capital is spread across multiple audited protocols (Alchemix, Uniswap, Aave) and asset classes, so no single exploit drains a position. Because Vaulteller never holds your funds, your positions remain visible on-chain at all times; full smart-contract risk is detailed in the Risk Disclosure.
Zero custody means Vaulteller never holds, touches, or controls your funds. There is no “Vaulteller vault” to deposit into: your capital moves through smart contracts that you can audit on-chain, into protocols you can verify. Vaulteller is the interface — never the intermediary. Even on the free tier, your assets sit in contracts secured by keys you control.
Two routes. A) The Fiat Bridge: connect a bank account via Monerium (a licensed EMI) and mint EURe directly to the smart contract. B) The Sovereign Route (BYOK): connect Ledger, Trezor or any Web3 wallet — no KYC, your keys, your signatures. In both cases your capital stays in contracts and wallets you control, never with Vaulteller.
The Curated Index is CipherDuo's conviction-based index system. Instead of a one-size-fits-all portfolio, you declare what you believe in — clean energy, digital gold, biotech — and the engine composes a personalised index token from curated sub-tokens. Think of it as a self-built ETF; no two holders need share the same index.
Yes. Your contracts are always accessible and you can exit partially or fully at any time. On the Seed tier, exits are settled within 24 hours. On Architect and Sovereign (BYOK), exits are near-instant on-chain transactions signed by your own wallet.
The Pilot is a 6-month guided onboarding service. A human execution specialist helps you configure and monitor your routing strategy. Typical first allocation from €3,000. Aggressive protocol routings have historically shown 10–33% APY — third-party historical performance, never a target you can rely on (see Risk Disclosure). Fully auditable and fiscally transparent, compatible with EU tax declarations.
No. The Fiat Bridge is built for complete beginners: connect your bank through Monerium (a licensed EMI), EURe mints straight to the smart contract, you set the execution profile with one slider and the terminal handles the rest. No wallet setup required. As you learn, you can upgrade to full BYOK self-custody on the Architect tier.
Six major asset classes: stablecoins (EURC, USDC, USDT, DAI, PYUSD, agEUR), gold (XAUT — 1:1 physical gold), Ethereum (ETH), Bitcoin (WBTC — 1:1 bridged), Solana (USOL — 1:1 bridged) and tokenised real estate (RWA). The Curated Index adds thematic exposure across clean energy, biotech, AI, and more.
Vaulteller earns only from software subscriptions, charged as a licensing fee via Stripe (Merchant of Record): Seed is free, Architect is €29 per month and Sovereign is €199 per month. There are no hidden spreads, withdrawal fees or performance fees — protocol yield belongs to your contracts, never to Vaulteller.
Your keys and positions live on-chain, independent of the Vaulteller website, so a shutdown cannot trap your capital. BYOK positions keep working and the Fiat Bridge runs on Monerium's licensed infrastructure. The Terms of Service govern the guided Seed tier.
Ready to put your money to work?
Join the guided onboarding pilot and be among the first to experience sovereign capital automation.
No credit card required. Start with the free Seed tier — your keys, your capital.