Security Zodia

Institutional-Grade HSM Custody

At Vield, we don’t just talk about security—we build everything around it.

When you borrow against your crypto, you deserve full transparency on how your assets are stored, how your loan is funded, and how we operate behind the scenes. Here's everything you need to know.

Safety and Security

Your assets are fully secured and remain untouched throughout the loan term.
Unlike some platforms, we never rehypothecate, lend, or use your crypto in any way.We’ve partnered with Zodia Custody, a globally trusted institutional-grade custody provider. Your Bitcoin is stored in Zodia’s cold storage infrastructure, ensuring multi-layered security and compliance with institutional standards.

Zodia uses Hardware Security Modules (HSMs) — tamper-resistant servers that protect your crypto. These require multiple approvals to access or move assets, making unauthorised access virtually impossible. HSMs are widely used by banks and financial institutions and are now the gold standard for digital asset custody.

Zodia adds another layer of protection by storing keys in secure co-located facilities and using trust structures or escrow to safeguard master keys — ensuring your assets remain safe even in the rare event of custodian failure.

Businesses that trust Zodia include Standard Chartered, Northern Trust, SBI, NAB, 21Shares, and Invesco.

Insurance

Vield is one of the rare Australian crypto platforms with insured custody—most exchanges, wallets, and lenders in Australia do not offer this protection.

‍Our insurance is provided via Zodia Custody, and includes:
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- Up to USD 55 million per incident and in total for losses due to theft, hacking, damage, or destruction of digital assets while under Zodia’s custody
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- Up to USD 200 million for cyber-related incidents, including incident response costs, cyber extortion, legal costs, liabilities from regulatory investigations, and business interruption.
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- Up to USD 19.5 million for civil liability covering claims or defense costs related to services provided by the custodian.

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Frequently Asked Questions

Do you have questions about how your crypto is protected?

‍Here’s a transparent breakdown of our security practices and what they actually mean for you.

Question

Answer

What does this mean?

Where is my crypto stored?

Your Bitcoin and Ethereum are stored in a secure, institutional-grade custody platform by Zodia Custody. Assets are protected using a combination of Hardware Security Modules (HSMs), and bank-grade cold storage, eliminating single points of failure.

Your funds are cryptographically protected and cannot be accessed or moved by any one party.

What does Hardware-Based Security Modules (HSMs) mean?

HSMs (Hardware Security Modules) are secure servers designed to protect digital assets. They require multiple approvals to move any funds and are built to resist tampering or unauthorised access. These systems have been used by banks for decades and are now trusted by regulated crypto custodians. Keys are stored in secure, co-located facilities, and often held in escrow or trust structures—adding extra layers of protection even if the custodian fails.

These are the same systems used by banks. No one can access your crypto without multiple approvals, and even if something happened to the custodian, your assets would still be protected.

Do you ever lend or invest my crypto?

No. Your assets are never touched, lent, staked, or moved. They remain in segregated cold custody for the life of the loan.

Your crypto is held securely and not exposed to any external financial risk.

What does ‘no rehypothecation’ mean?

We do not use your crypto to back other loans or investments. Your assets remain 1:1 reserved.

Your collateral stays fully intact and unleveraged — zero risk of third-party claims.

Can I track my assets in real time?

Yes. You have full visibility over your secured wallet. You can verify balances and wallet status at any time.

You know exactly where your assets are and can confirm they're untouched.

Is there a private key to my wallet?

No. Zodia’s HSM-based custody model eliminates the need for a private key. Signing is performed using secure authorisation across distributed systems without ever creating a complete key.

There's no single point for hackers to attack — because the key doesn’t exist in one place.

Who controls the custody infrastructure?

Custody is handled by Zodia Custody using a hybrid of HSMs, and air-gapped cold storage. Vield can initiate transactions, but execution requires approvals through Zodia’s secure infrastructure with regulated compliance and institutional controls.

You remain the ultimate beneficial owner of the asset, and we will not move it without your explicit consent, except in the event of a loan default. Zodia’s regulated structure ensures your crypto is protected by design and compliant with financial safeguards.

No asset co-mingling

Customer crypto is kept separate from other customers’ crypto as well as from Vield’s operational funds. Assets are never pooled.

Your crypto remains entirely yours — clearly separated and protected. This ensures full transparency and accountability at all times.

Can anyone at Vield or Zodia access my funds?

No. Transactions require Zodia’s institutional-grade authorisation protocols and cannot be executed by any single team or person. Zodia is regulated by the FCA and other authorities, with audited infrastructure and strict operational controls.

Your assets are protected by mathematical guarantees and strict authorisation controls.

Hashlock Audited

We’ve partnered with Hashlock, Australia’s leading Web3 security firm, to independently audit our custody and lending infrastructure.

Their review covers smart contract integrity, custody protocols, and operational security—giving you added confidence that your assets are safeguarded by best-in-class standards and rigorously tested systems.

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Institutional-Grade Custody at Vield

1000+

$50M+

Institutional-Grade HSM Custody

Safety and Security

Insurance

Frequently Asked Questions

Hashlock Audited

"We know how much trust it takes to part with your crypto. That’s why we’ve built our security systems to ensure your assets are always yours—untouched, unexposed, and verifiable at all times."

Crypto-Backed Loans and Crypto Cards