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We rebuilt banking from the rails up.

The neo-bank for modern businesses — real-time accounts, cashback cards and payments on rails we own end to end.

Smartphone showing the Vaultly banking app with account balance, card and recent transactions
Real-time
No hidden fees
FDIC insured
4.8% APY
24/7 support
256-bit encryption
Send worldwide
Fee-free
Real-time
No hidden fees
FDIC insured
4.8% APY
24/7 support
256-bit encryption
Send worldwide
Fee-free
Real-time
No hidden fees
FDIC insured
4.8% APY
24/7 support
256-bit encryption
Send worldwide
Fee-free
Real-time
No hidden fees
FDIC insured
4.8% APY
24/7 support
256-bit encryption
Send worldwide
Fee-free
// integrations

Your whole stack, in one live account.

Accounting, payments, e-commerce and productivity tools all connect to one real-time balance you actually control.

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Vaultly · live
Total across all accounts
$284,920.50
▲ 2.4% this week
2M+
Businesses
Real-time
Settlement
$0
Hidden fees
Vaultly · live
Net inflow, last 30 days
+$52,410.00
▲ 8.1% vs. last month
512M
Transactions
Instant
Payouts
34
Countries
Vaultly · live
Earning on idle balances
4.8% APY
▲ $1,240 / yr saved
Auto
Businesses
FDIC
Settlement
24/7
Hidden fees

Why choose Vaultly

We own the rails end to end — no legacy core, no middlemen. Money moves the instant you tell it to.

Real-time
No hidden fees
FDIC insured
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What we stand for, and what we'll never trade away.

Open in minutes
Real-time speed
Money settles in seconds on rails we own, never in batch windows.
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Total transparency
Every fee, rate and hold appears on screen the moment it exists.
FDIC insured
Security by default
256-bit encryption and FDIC insurance keep every dollar covered.
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Money that earns
A 4.8% APY and uncapped cashback run quietly on autopilot.
Send worldwide
Built for the world
Send worldwide and settle locally across thirty-four countries.
24/7 support
Always-on support
Real people answer around the clock, every single day.
Open in minutes
Real-time speed
Money settles in seconds on rails we own, never in batch windows.
Eye icon
Total transparency
Every fee, rate and hold appears on screen the moment it exists.
FDIC insured
Security by default
256-bit encryption and FDIC insurance keep every dollar covered.
Refresh cycle icon
Money that earns
A 4.8% APY and uncapped cashback run quietly on autopilot.
Send worldwide
Built for the world
Send worldwide and settle locally across thirty-four countries.
24/7 support
Always-on support
Real people answer around the clock, every single day.
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Next
// the vaultly way

The people behind the rails.

Payments engineers, risk veterans and product builders, tired of waiting three business days.

Vaultly automates my savings, charges me nothing in fees, and the app is so clear I check it in seconds.

Aisha Bello
Registered Nurse

Vaultly gave me the visibility I never had with a traditional bank — I finally feel in control of my numbers.

Sofia Romano
E-commerce Seller

Money moves instantly, the app is dead simple, and support actually answers.

Lucas Meyer
Independent Contractor
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Your legacy bank isn't good enough anymore.

You expect money to move the instant you tap send — no holds, no waiting, no fine print.

When a bank can't deliver that, it isn't just behind on features — it's behind on your life.

So we built a neo-bank on modern rails — engineered to move at the speed you actually live.

Because when your money moves in the right direction, you get where you're going faster.