exSat isn’t just another application on Vaulta — it is actively shaping the infrastructure for an on-chain banking system.
After its rebrand, Vaulta introduced a bold vision: a Web3 Banking Operating System (Banking OS) to give on-chain accounts the same capabilities as traditional banks — custody, payments, yield, and compliance-ready architecture.
Long before this vision was formalized, exSat had been experimenting with on-chain banking. Today, as the flagship project of this architecture, exSat has become the main engine driving activity, liquidity and infrastructure growth across the Vaulta network.
You can see its impact directly on-chain:
- Network-scale data layer
exSat has synchronized Bitcoin’s full UTXO consensus data and indexed over 100 million entries, building one of the most comprehensive Bitcoin data systems on any EVM-compatible chain. - High resource utilization
The network has consumed over 128GB of RAM (mostly staked via VaultRAM), demonstrating sustained, high-frequency on-chain interactions. - Smart contract execution
More than 1.72 million smart contract transactions have been processed on exSat’s EVM layer (excluding UTXO transactions), covering both Network and Bank. - Ecosystem activation
exSat has become one of the core drivers of activity on Vaulta. Meanwhile, 1DEX, a DEX built natively on Vaulta, has processed over 43.68 million transactions, signaling strong user demand and liquidity on-chain.
This is not a supporting role. exSat isn’t a client application built on top of Vaulta — it is the liquidity engine, data layer, and account infrastructure breathing life into the network.
At the same time, exSat gives developers a low-friction environment to build on. It supports Solidity-based smart contracts, standard Ethereum tools and wallets, while inheriting Vaulta’s high-performance execution and RAM-based state system. In other words, developers can build quickly without needing to understand the underlying Bitcoin or Vaulta infrastructure — and the technical details are only needed when they want to unlock more.
exSat Bank: From Concept to Live On-Chain Banking
The launch of exSat Bank in July 2025 marked a turning point — Banking OS evolved from a concept into a live, operating financial system. Creating an exSat bank account is not just a UI interaction. The system automatically creates a corresponding account on the Vaulta mainnet, configures permissions, and binds identity to assets — entirely on-chain. The entire process costs roughly 0.7 $A in network resources (including Vaulta RAM), and this cost is currently fully covered by the exSat team, allowing users to onboard with zero friction — no centralized backend, no manual review.
Each account consumes around 6KB of RAM. To date, exSat Bank has used more than 46MB of RAM, and the number is increasing rapidly. This isn’t test traffic — it’s real user demand for bank-grade services on-chain.
And exSat Bank is not a cosmetic wallet interface. It operates as a closed-loop financial system with real utility:
- Staking & yield products
Supports deposits of stablecoins, BTC, XSAT and more, with annualized yields that have peaked at 30%. - Use crypto like cash
Through the exSat Card, users can directly spend crypto assets in real-world payments, with automatic conversion into 12 supported fiat currencies — no KYC, no off-ramp friction. - Built for global users
Multi-language UI (including English, Chinese and Korean), cross-chain portfolio view, and a native gift card system. - Ecosystem-ready
Integrated with Meson, Bit2Go and other partners to support cross-chain deposits and payments. Institutional partnerships like Standard Chartered Bank provide secure custody and wealth services for high-net-worth users.
As the first working prototype of Vaulta’s Banking OS, exSat Bank already includes five core subsystems: accounts, payments, yield generation, cross-chain access and identity management — essentially the minimum viable architecture of an on-chain bank.
Strategic Partnerships: Bringing Compliance and Liquidity On-Chain
A real financial network requires more than technology — it needs regulated asset issuers, secure custodians, payment rails and compliant bridges to traditional finance.
To anchor Banking OS in the real world, Vaulta Labs has built a growing alliance of partners across asset issuance, custody, payments and compliance. This network includes:
- Real-World Asset (RWA) Issuance
In collaboration with Fosun Wealth Holdings, the first Hong Kong-listed equity — Sisram Medical (1696.HK) — is being tokenized and issued across Vaulta, Solana, Ethereum and Sonic. The total issuance size is approximately $328 million USD, marking a major step in regulated asset tokenization. - CeDeFi Infrastructure
Vaulta works with OKX and Standard Chartered Bank (Dubai) to explore a hybrid custody and settlement model that merges regulatory standards with on-chain efficiency — bridging CeFi infrastructure with DeFi execution. - Institutional Custody
exSat Bridge is now integrated with leading compliant custodians like Cactus Custody and Ceffu (formerly Binance Custody). Together, they safeguard over $18 million USD of exSat Bank assets. - Payment Infrastructure
exSat Card is live in partnership with Bit2Go, enabling users to spend crypto assets directly in the real world — both online and in physical stores — with automatic settlement into supported fiat currencies. In addition, exSat is building an aggregated KYC card framework to support different user needs: from non-KYC crypto spending cards to compliant, high-limit KYC cards for users requiring regulated access to traditional payment networks.
These partnerships form a complete lifecycle: asset issuance → compliant custody → trading & yield → real-world payments. This is how Banking OS moves beyond a technical concept and begins to operate as a globally scalable financial network.
What’s Next: Making exSat Bank Truly Usable at Scale
In the next six months, exSat will shift from early adoption to full-scale usability. The roadmap focuses on five major product expansions — not just adding features, but turning the platform into a practical financial tool for everyday users, institutions and developers.
1. Unified Trading Layer
exSat Bank will integrate liquidity and pricing from centralized exchanges (Binance, OKX) and decentralized venues (Hyperliquid, 1DEX). Users will be able to execute trades, swaps and orders through a single aggregated interface.
2. Real-World Assets (RWA) on Vaulta
The Bank will support on-chain trading of regulated assets such as Fosun’s FUSD stablecoin and tokenized Hong Kong equities. This means users will be able to allocate capital across crypto and traditional assets — all without leaving the chain.
3. AI-Powered Wealth Advisory
An AI advisory system will analyze user portfolios, on-chain activity and risk profiles to provide personalized yield strategies and risk recommendations — effectively an on-chain private banking service.
4. Enterprise & DAO Accounts
exSat will introduce multi-role, multi-account financial management tailored for DAOs, Web3 startups and institutions. Features include role permissions, spending controls, treasury dashboards and audit-friendly reporting.
5. Token Economy & Incentives
The Banking module will introduce a token-based incentive system designed around resource contribution, transaction activity, yield participation and liquidity provisioning — creating aligned incentives across users, developers and infrastructure providers.
With these upgrades, exSat Bank is evolving from a functional prototype into a full-service, on-chain banking platform — one that users can rely on daily, and developers can build on confidently.
Developer Layer: Unlocking the “Bitcoin + EVM” Design Space
exSat isn’t only building financial products — it’s building the developer rails behind them.
Its EVM layer runs natively on the Vaulta mainnet and can read Bitcoin UTXO data that has been verified on-chain. Developers can continue using Ethereum-native tools — such as Solidity with Hardhat or Foundry for contract development — and connect via Ethereum-compatible wallets like MetaMask.
This introduces a new development paradigm: Bitcoin’s security + Ethereum’s programmability + Vaulta’s high-performance architecture.
It turns Bitcoin from a passive asset into programmable liquidity, creating new space for DeFi innovation — from structured products to synthetic assets and cross-chain banking logic.
From Concept to Usable Finance
exSat has proven that on-chain banking isn’t a slogan — it’s already happening.
By activating Vaulta’s data, accounts, transactions, liquidity and payment layers, exSat has turned the mainnet from an idle chain into a functioning financial network. Real users, real assets, real yield, and real integrations with custodians, liquidity providers and RWA issuers are already in place.
What makes Web3 banking real isn’t a whitepaper — it’s RAM being consumed, transactions being signed and assets being put to work.
exSat is making that a reality — block by block.
