As digital assets become a core part of corporate balance sheets and platform-based financial services, organizations require custody infrastructure that is not only secure, but also transparent, auditable, and operationally scalable. Vaultody 2.0 introduces a redesigned, non-custodial architecture that addresses these needs through a unified and purpose-driven segregation model.
At the center of this architecture is the Vault Account - a foundational organizational layer that sits between a Vault and the assets it contains. This structure enables clearer governance, stronger compliance alignment, and more efficient operations across all Vaultody custody solutions. This article explains how Vault Accounts work, how they fit into Vaultody 2.0, and why they are critical for modern non-custodial asset management.
Vaultody 2.0 and the Unified Segregation Model
Vaultody 2.0 introduces a clear, hierarchical structure for managing digital assets in self-custodial environments. The model is consistent across all Vaultody solutions and follows four logical layers:
- Vault – The top-level environment that anchors governance, signing policies, and security boundaries
- Vault Account – A purpose-driven organizational layer within a Vault
- Asset – A specific digital currency or token managed within an account
- Address – Blockchain addresses associated with an asset for receiving and sending transactions
This unified structure replaces fragmented or asset-centric approaches with a consistent framework that improves operational clarity, internal controls, and auditability. Each layer has a defined role, making it easier for organizations to scale asset management while maintaining governance and compliance standards.
What Is a Vault Account?
A Vault Account is the primary organizational unit within a Vault. It is designed to represent a specific business function, operational flow, or segregation requirement rather than a single asset or blockchain.
Unlike traditional financial accounts, Vault Accounts are flexible, purpose-based, and natively aligned with non-custodial digital asset workflows. They allow organizations to logically separate funds while maintaining unified security and governance at the Vault level.
Key Functions of a Vault Account
- Purpose-Based Segregation – Separate assets by use case, such as treasury holdings, operational liquidity, staking activity, or settlement flows
- Solution Alignment – Each account operates under a specific Vaultody solution, such as Treasury Management or Direct Custody, ensuring the correct custody model and workflows are applied
- Asset Grouping – Manage multiple assets within the same account when they serve the same operational or financial purpose
- Transaction Visibility – Maintain a clear and auditable record of all blockchain activity associated with that account
How Vault Accounts Work in Practice
The Vault Account model is designed to be intuitive while supporting sophisticated enterprise workflows. A typical lifecycle looks like this:
Step 1: Create a Vault Account
When creating a Vault Account, the organization defines its intended purpose. Common examples include:
- Treasury Account – Long-term corporate holdings and strategic reserves
- Operations Account – Day-to-day liquidity for fees, payments, and settlements
- Staking Account – Assets allocated to yield-generating or protocol participation activities
- Settlement or Client Account – Segregated balances used in customer-facing or platform-based flows
This separation ensures clean internal accounting and reduces operational risk.
Step 2: Apply the Appropriate Vaultody Solution
Each Vault Account is governed by a specific Vaultody solution:
- Treasury Management for organizations managing their own assets with approval workflows, co-signing policies, and governance controls
- Direct Custody for platforms managing assets on behalf of end users or business customers with fully segregated accounts and automated MPC co-signing
- Wallet-as-a-Service (WaaS) for large-scale end-user self-custody, where each end user has their own Vault and account structure
This alignment ensures that custody models, signing logic, and access methods match the business use case of the account.
Step 3: Add Assets to the Vault Account
Once the account is established, assets can be added. For example, a Treasury Account may hold BTC, ETH, USDT, as well as other assets, all grouped under the same governance and approval policies. Assets represent the actual digital currencies or tokens being managed within that account.
Step 4: Generate Addresses
For each asset, blockchain addresses can be generated to receive and send funds. These addresses are directly associated with the asset and Vault Account, preserving traceability and segregation across all transactions.
Step 5: Execute and Monitor Transactions
Transactions are initiated at the asset and address level, while governance, approvals, and signing policies are enforced at the account and Vault level. All activity is logged with complete audit trails, and webhook notifications or dashboards provide real-time visibility into transaction status and execution.
Why the Vault Account Structure Matters
The Vault Account model delivers concrete operational and governance benefits for organizations managing digital assets at scale.
Clearer Asset Organization
Purpose-driven accounts eliminate ambiguity around how funds are intended to be used. Teams can instantly understand which assets are allocated to treasury, operations, staking, or customer-related flows.
Improved Address and Asset Management
Assets and their associated addresses are grouped logically, reducing the complexity of managing large numbers of wallets across multiple blockchains.
Operational Efficiency
A consistent hierarchy across Vaults, Accounts, Assets, and Addresses simplifies workflows for finance, operations, risk, and compliance teams.
Stronger Compliance and Auditability
Each transaction can be traced back to a specific Vault Account, asset, and address. This level of segregation supports internal controls, regulatory reporting, and third-party audits.
Enhanced Security Through Segmentation
By compartmentalizing assets by purpose, organizations reduce the impact of operational errors or security incidents. Exposure is limited to the relevant account rather than the entire Vault.
Conclusion
Vaultody 2.0’s Vault Account structure introduces a clear, scalable, and non-custodial foundation for managing digital assets across diverse business models. By combining purpose-based segregation with unified governance and MPC-based security, Vault Accounts enable organizations to operate with greater control, transparency, and confidence.
Whether managing corporate treasury, running a high-throughput platform, or enabling end-user self-custody at scale, understanding and leveraging Vault Accounts is essential to unlocking the full value of Vaultody’s custody infrastructure.
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