Fiat in. Blockchain bridge. Fiat out.
Blockchain-powered international transfers, as easy as sending a text message.
MyVaultOS gives people and businesses the automation, control and proof layer for cheaper cross-border payments. Users can still think in normal money terms while the workspace checks on-ramp, stablecoin settlement and off-ramp options behind the scenes.
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Why MyVaultOS
One clean workflow for international transfers.
MyVaultOS keeps the experience simple: enter the payment, compare the route, approve the hand-off and keep the proof. Blockchain is the optional middle layer, not another system the user has to operate.
Compare the total route cost, FX spread, cash-out path and recipient amount before approving the transfer.
Users can start and finish in normal money terms while MyVaultOS checks whether blockchain can do the fast middle step.
Keep quotes, approvals, provider references, receipts and exports together for personal records or finance review.
How it works
Fiat in, blockchain bridge where it helps, fiat out.
The user sees a transfer file. MyVaultOS checks route availability, fees, provider requirements and proof. When smart contracts are useful, they sit on top as workflow automation for contracts, loans, milestones or releases.
Amount, currency, recipient and reason for the transfer.
Bank, provider and stablecoin-bridge options ranked by cost, speed and cash-out fit.
You confirm the route. MyVaultOS records the approval and provider references.
Receipt, tx reference, invoice, contract or loan record stays in the same file.
Personal
Send money, record private loans and keep proof without learning crypto.
Jane can start with fiat, compare cheaper bridge options, approve the recipient, keep the receipt and attach a private loan or family-payment record when needed.
Business
Upload contracts, compare payment routes and control supplier workflows.
Alex can upload a contract or supplier invoice, create approval rules, choose a simple transfer or smart workflow, then export the records for finance.
Routes and providers
Connect the services you use, but keep the decision in MyVaultOS.
Providers such as Coinbase, Wise, Airwallex, WalletConnect, Stripe and accounting systems can sit behind the same route file. MyVaultOS stores status, approval and proof; it does not ask for seed phrases, private keys or provider passwords.
Route cost examples
See the hidden cost before you press send.
MyVaultOS puts the decision in one place: amount, corridor, typical cost, blockchain-bridge option, cash-out path, saving, ETA/status and proof pack. These are worked examples using published benchmarks plus editable assumptions.
USD to PHP$1,000 family payment
- Typical cost
- $63.60
- MyVaultOS routed cost
- $8.26 to $12.65
- Potential saving
- $50.95 to $55.34
Proof keptQuote, recipient amount and receipt
World Bank 6.36% global remittance average vs Wise published USD-PHP direct debit / bank transfer example.
International business transfer$10,000 supplier payment
- Typical cost
- $245
- MyVaultOS routed cost
- $50 to $100
- Potential saving
- $145 to $195
Proof keptInvoice, approval and transfer reference
Illustrative bank path using $45 international USD wire plus 2.0% FX spread assumption; MyVaultOS route comparison shows a transparent modelled range at 0.5%-1.0%.
High-value cross-border$50,000 import payment
- Typical cost
- $1,545 to $2,545
- MyVaultOS routed cost
- $250 to $500
- Potential saving
- $1,045 to $2,295
Proof keptTrade file, release note and audit export
Illustrative bank path using $45 wire plus 3%-5% total FX/intermediary drag; MyVaultOS route comparison shows a modelled 0.5%-1.0% routed cost.
Sources: World Bank Remittance Prices Worldwide 6.36% global average; Wise USD to PHP public pricing example; Bank of America / published bank wire fee examples. Larger-transfer FX drag is an editable model assumption and varies by bank, provider, currency, compliance status and cash-out route.
Product modules
Go deeper only where the user needs it.
The homepage stays simple. Each module opens the live product surface for route checks, file creation, approvals, proof, exports and providers.
RoutesRoutes
Compare cost, timing, limits and cash-out fit.
FilesFilesContracts, loans, invoices and payment rooms.
ApprovalsApprovalsThresholds, confirmations and release rules.
ProofProofProvider refs, receipts and uploaded evidence.
ExportsExportsAccounting and audit-ready records.
ProvidersProvidersCoinbase, Wise, Airwallex, wallets and accounting systems.
Plans
Start with a private money workspace. Add business controls when needed.
Personal users need cheaper routes, faster movement and receipts. Business users add teams, approval rules, supplier files and operating evidence.
Individuals, freelancers and operators who want cheaper routes, faster options and clean proof without bank lock-in.
- Vault or cold-wallet reference dashboard
- Fiat Pocket view
- Protected payment files
- Receipts, notes and export packs
Small teams transacting internationally without wanting a bank at the centre of control.
- Multi-user workspace
- Signer approval records
- Supplier and payment files
- Approvals, invoices and proof packs
A private finance operating layer for owners who want route visibility, accounting, treasury and workflow together.
- Private business admin workspace
- AP/AR and cash-flow dashboard
- Vault and fiat route view
- Evidence archive
A higher-touch support layer for businesses that want finance admin reduced while keeping decisions and evidence under control.
- Finance support workspace
- Invoice intake and payment packets
- Supplier obligations and reminders
- Monthly operating pack
Help
Questions and support live outside checkout.
Software boundary at a glance
The product boundary is software, records, approvals and evidence.
This section is only the public summary. The full Terms and Privacy Policy are separate long-form documents written around software access, user-controlled wallets, provider routes, billing, evidence records, support and data handling.
MyVaultOS provides records, approvals, routing visibility, evidence, exports and agent workflows. Users control wallets, keys, payment providers and execution.
MyVaultOS does not receive, hold, pool, transfer, exchange, lend or invest customer funds. Live movement requires the user or the user-approved provider to execute.
Wallet providers, Coinbase, Wise, Airwallex, business-admin tools, hardware vendors and future payment providers operate under their own terms, compliance checks and availability.
Escrow-style flows are non-custodial protected payment contracts with user-approved release rules, not MyVaultOS holding money for either party.
Cold wallets are sold as security equipment. MyVaultOS does not store seed phrases, recover private keys, guarantee device security or control signer approvals.
Business users remain responsible for taxes, accounting treatment, counterparties, sanctions, KYC/KYB obligations and local law before using any rail.