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Beyond Wallets built to power your entire financial stack

VaultIQ enables cooperatives, fintechs and commerce platforms to build programmable merchant wallets with sub accounts, smart transfers, and fully traceable money flows no accountants required.

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Featuring

Multi-Purpose Sub-Wallets

Create wallets by member, product, fund type, or business goal, each with its own rules and visibility.

Create Sub-Wallets
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Featuring

Automated Money Movement

Schedule or trigger internal transfers based on conditions like commissions, repayments, or contributions.

Set Rules
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Featuring

Traceable ledger with smart metadata

Track every money movement with details on who made the transaction, why, and when. Every debit and credit is logged with metadata.

View Ledger
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Use Case

Real - Life Scenario

Unity Women's Coop has 300 members. Each has

  • A personal wallet (for savings)
  • A loan wallet (for disbursement tracking)
  • A welfare wallet (for death benefit contributions)
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VaultIQ allows the coop to

  • Automate deductions from savings → loan repayment
  • Show separate wallet balances with clear labels
  • Export ledgers for audit or grant reporting
  • Tag wallet activity by purpose, period, and member ID

No accountants. No Excel sheets. 100% traceable money.

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Let’s Build the Future of Financial Infrastructure

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