Security & Trust
Institutional-grade custody, in the open. Full transparency on how your assets are stored, how your loan is funded, and how we operate behind the scenes.
Trusted Partners
- 1000+
- Clients
- $50M+
- Loans approved
- $55M
- USD insured per incident
- 0
- Assets rehypothecated
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. Collateral sits in Zodia Custody cold storage behind hardware security modules.
Transparency
You can verify balances and wallet status at any time. Assets are never pooled with other customers or with Vield operational funds, and the whole custody and lending infrastructure has been independently audited.
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 at all.
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.
We partner with Zodia Custody, a globally trusted institutional-grade custody provider. Businesses that trust Zodia include Standard Chartered, Northern Trust, SBI, NAB, 21Shares and Invesco.
Bitcoin stored in Zodia's cold storage infrastructure- Hardware Security Modules (HSMs), which are tamper-resistant servers
- Multiple approvals required to access or move assets
- Private keys stored in HSMs in secured data centres
- Client-controlled entitlement workflows and policies embedded in Zodia's HSMs
- Insolvency remote structures to protect assets
- Administration of users and workflows customised to your business requirements
- Bank-grade control standards
How your crypto is protected
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 Security Modules (HSMs) mean? | HSMs 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. | These are the same systems used by banks. No one can access your crypto without multiple approvals. |
| 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, with 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. |
| Is there any asset co-mingling? | No. 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. |
"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."
Insured custody is the exception, not the rule
Vield is one of the rare Australian crypto platforms with insured custody. Most exchanges, wallets and lenders here do not offer this protection.
| Vield | A typical platform | |
|---|---|---|
| Insurance | Cover through Zodia for theft, hacking, damage and destruction, cyber incidents and civil liability. Provided at no additional cost. | Most exchanges, wallets and lenders in Australia offer no insured custody at all. |
| Rehypothecation | Never. Your assets are not used to back other loans or investments, and remain 1:1 reserved. | Often unclear. Customer assets may be lent or deployed to generate additional revenue. |
| Segregation | Customer crypto is kept separate from other customers' crypto and from Vield's operational funds. Assets are never pooled. | Segregation details frequently undisclosed, with assets held in pooled wallets. |
| Key model | No complete private key ever exists. Signing happens through secure authorisation across distributed systems, so there is no single point to attack. | A single key or seed, held by the platform, is the one thing protecting the assets. |
| Independent audit | Custody and lending infrastructure independently audited by Hashlock, covering smart contract integrity, custody protocols and operational security. | Rarely audited, and rarely published when they are. |
| Regulatory oversight | Zodia is regulated by the FCA and other authorities. Vield Pty Ltd is registered with AUSTRAC, and loans are originated under Australian Credit Licence 526970. | Compliance varies. Some platforms operate offshore or in less stringent jurisdictions. |
Testimonials
"We get to see how a lot of crypto businesses operate from the inside, and Vield is one of the best-run we've come across. The custody is properly thought through, and they clearly take the security side seriously. For anyone considering a Bitcoin-backed loan in Australia, we couldn't recommend them higher."
Jock HaslamCo-Founder, Hashlock"In institutional custody, the operational standards around how an asset is held are everything. Vield has built their product around those standards from the start. For borrowers pledging Bitcoin, that's the question they should be asking first."
Ryan HodgesCEO, Zodia Custody"Vield is the only Australian crypto-backed lender that has obtained an ATO Private Binding Ruling on the CGT treatment of customer deposits. Under their loan structure, the ATO has confirmed that pledging Bitcoin as collateral isn't a disposal for CGT purposes. For long-term holders, that's the question that has held back the entire industry. Cadena Legal was glad to help Vield get the ruling."
Harrison DellFounder, Cadena Legal"Taking a comprehensive, risk-based approach to cyber security is critical in the digital finance space. Drawing on my background in banking technology and cyber governance, our focus is to provide Vield with rigorous, independent oversight that strengthens their defensive posture and supports their commitment to safeguarding client assets."
John BairdFounder & CEO, RevioWhat the cover actually includes
Up to USD 55 million, digital asset crime
Per incident and in aggregate, for losses due to theft, hacking, damage or destruction of digital assets while under Zodia custody.
Up to USD 200 million, cyber
For cyber-related incidents, including incident response costs, cyber extortion, legal costs, liabilities arising from regulatory investigations, and business interruption.
Up to USD 19.5 million, civil liability
Covering claims or defence costs relating to the services provided by the custodian.
Smart contract integrity
Hashlock, Australia's leading Web3 security firm, independently audits our custody and lending infrastructure.
Custody protocols
The audit reviews how assets are held and moved, against best-in-class standards and rigorously tested systems.
Operational security
The processes and controls around the technology are reviewed alongside the technology itself.
Frequently asked questions
