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
- 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 is held with Zodia Custody Australia in institutional-grade cold storage.
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 cold storage 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 Australia. Customer assets are held with Zodia Custody Australia in institutional-grade cold storage.
Bitcoin stored in Zodia Custody Australia's institutional-grade cold storage- Segregated from other customers' crypto and from Vield's operational funds
- Never rehypothecated, lent or staked
- Verifiable on-chain at any time
- Custody and lending infrastructure independently audited by Hashlock
How Zodia Custody Australia holds your Bitcoin
Security
Customer assets are held with Zodia Custody Australia in institutional-grade cold storage.
Insurance
Customer's Bitcoin is held in segregated cold storage with Zodia Custody Australia, supported by Zodia Custody Australia's multi-layered insurance programme.
Licensing
Zodia Custody (Europe) S.A. (Luxembourg, RCS Company No. B289268) is regulated in Luxembourg by the CSSF under the Markets in Crypto Assets Regulation (MiCAR) with reference number N00000006.
Zodia Abu Dhabi, operating as Tungsten Custody Solutions Ltd (ADGM, Company No. 13952) is regulated by the ADGM FSRA with Financial Services Permission Number 220129.
Zodia Custody Limited (England and Wales, Company No. 12418687) is registered in the UK with the FCA as a crypto asset business under the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017 with Firm Reference Number 928347.
Zodia Custody Australia Pty Ltd (Australia, Company No. 672775012) has applied for the Australian Financial Services License (AFSL) with ASIC.
Zodia Custody (Hong Kong) Limited (Hong Kong, Company No. 75718195) is registered with the Registry for Trust and Company Service Providers under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO), Cap. 615 in respect of its custodial activities in digital assets with License Number TC009245.
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 with Zodia Custody Australia in institutional-grade cold storage. | Your crypto is held by Zodia Custody Australia, not by Vield. |
| 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. |
| Who controls the custody infrastructure? | Custody is handled by Zodia Custody Australia in institutional-grade cold storage. | 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. |
| 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 Custody Australia access my funds? | No. Your assets are held by Zodia Custody Australia in institutional-grade cold storage, and Vield will not move them without your explicit consent, except in the event of a loan default. | Your assets stay where they are unless you agree otherwise, or the loan defaults. |
"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 | Customer's Bitcoin is held in segregated cold storage with Zodia Custody Australia, supported by Zodia Custody Australia's multi-layered insurance programme. 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. |
| 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 | Vield Pty Ltd is registered with AUSTRAC, and loans are originated under Australian Credit Licence 526970. Zodia Custody Australia's licensing is set out in full on this page. | 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 HodgesManaging Director, Zodia Custody Australia"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, RevioHashlock audited
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
