The Social Side
of Money
Technical & Product Deck | September 2026
VaultPay2026
What this deck covers
Built around the ten questions
in your review
VaultPay2026
Product demo · Watch first
Please watch the full demo video
The live VaultPay app, end to end, before you read on.
How to watch
- Online deck: press play, it runs right here
- PDF: scan the code or click the link
Demo video
Link coming soon
This page will carry the video link and a QR code, so it plays from the online deck or straight from this PDF.
VaultPay2026
Product overview · App functionality
One app. Three systems working together.
1. Social Layer
Short videos, content creators, live streams, live battles and live gaming
2. Commerce Layer
Social commerce, feed ads and a business marketplace
3. Built-in FinTech
Wallet, Visa & Mastercard virtual cards, and named USD, EUR & GBP accounts
Each layer feeds the others: a social commerce app with money built in.
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Social innovation #1
Money in the Feed
Sam shared a purchaseMcDonald's · $12.40
Lea tipped Sam $2.00"Enjoy lunch!"
Every purchase can become a post
- Pay anywhere, like lunch at McDonald's
- Share the purchase to the feed in one tap
- Friends react, comment and send tips instantly, straight to your balance
Why it matters
Drives engagementViral loopsSpending becomes content
This is how we build
the Venmo of the world
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Social innovation #1 · How posting works
Every Post Is a Transaction
01A payment happens
A card purchase, a transfer, a split bill or a sale.
02VaultPay pings you, live
The second it settles: share this one?
03Pick it, add a video or photo
Your last 3 transactions, ready to post.
04It lands in the feed, receipt attached
No transaction, no post.
Real-time prompt
Pick a transaction
Activity + posts
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The feed · Every case, one format
Every video in the feed has a receipt
Card purchase
Bill split
Seller, live
Travel booking
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Why people post their transactions
Sharing pays you back
View milestones unlock cashback on the payment
1Kviews1% back
10Kviews3% back
100Kviews5% back
1Mviews10% back
A $129.00 sneaker post passes 100K views: $6.45 lands back in the poster's wallet.
Gifts & tipsFollowers gift the poster; merchants can be tipped.
Shop the postFollowers buy the same item; the poster earns.
Merchant boostsBrands add cashback to posts about them.
Verified reviewsEvery review is tied to a real payment.
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Social commerce · Merchants in the feed
Merchants sell right in the feed
1 · The drop
2 · Wallet checkout
3 · The buyer’s post
01GameStop posts a drop
A video or a live, with the product and its price on it.
02Fans pay from their wallet
One tap on the VaultPay balance. No card form, no redirect.
03GameStop is paid instantly
Straight into its VaultPay business wallet.
04Every buyer becomes a post
A verified receipt that sells the next one.
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Social innovation #2
Content Creators
The feed pays the creator
- Short videos and live streams, one feed
- Gifts and tips land as real money
- One dashboard for views and earnings
- Spend it with a card, or send it anywhere
How creators earn
GiftsTipsLive battlesBrand deals
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Social innovation #3 · Live streaming
Live Battles & Gaming
Live is where fans pay
- Go live solo, or battle 1:1 and in teams
- Live gaming from a phone, screen or OBS
- Real-time gifts score every battle
- Every gift is real creator earnings
Formats
1:1 battlesTeam battlesLive gaming
Fans play, creators get paid
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Social innovation #4 · Advertising
Ads in the Feed
Engagement = Revenue
Businesses and individuals promote their posts natively inside the feed. No agency, no separate ads account.
Who advertises
BusinessesCreatorsIndividuals
02Choose a budget, paid from the wallet
03The algorithm places it in the feed
04Track views, taps and new followers
Not ads layered on top: commerce embedded in behavior
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Ads · Receipt Ads
Merchants boost their buyers’ posts
GameStop gets the offer
The post, promoted
The buyer earns
01A buyer posts a receipt
@iamhoussem buys a console at GameStop and posts it.
02VaultPay offers it to GameStop
Only posts backed by a real payment at that merchant.
03GameStop pays to boost it
Per view, or per sale — checkout is in the wallet, so every sale is counted.
04The buyer earns a share
20% of the boost lands in their wallet.
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One AI algorithm. Three surfaces.
USPTO-registered · built into VaultPay
Live streams
ranks live rooms and battles
Social feed
ranks videos and ads
Marketplace
ranks products and shops
It learns from what people watch, gift and buy: AI-powered social commerce
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Payment & fintech capabilities
Built-in FinTech
Virtual cards
Visa & Mastercard, issued in seconds
Name a card for each job, freeze it in one tap.
USD bank accounts
US-dollar accounts for global users
Backed by JPMorgan, Citibank and CFSB.
Named accounts
EUR, GBP and more currencies
Hold and send in several currencies.
$€£+
Also built in: P2P in chat · crypto top-ups · bill splitting · statements
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Technology & infrastructure
One platform, one API, one ledger
Every app talks to the same API; every dollar moves through the same ledger.
Money boundary
Edge
Cloudflare CDN, WAF & live video
VaultPay API
Accounts & auth
Social & live
Commerce & ads
AI algorithm
Ledger
Wallet balances in locked transactions
Real-time
Payment alerts, live chat, gifts & push
Partner rails
Cards
Bank accounts
Identity & crypto
Full architecture, data model and controls walkthrough available under NDA.
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Technology stack
Proven technology at every layer
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Security & compliance
Money-safe by design
VaultPay operates under licenses through its partners.
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Key partnerships
Built with partners
that unlock
global money
Current unlocked partners
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Current traction
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Product status & roadmap
Everything live today is our bootstrapped MVP. Funding deploys the next MVP with Conduit, Rain and Plaid, then scales the company.
Phase 1 · Live now
Bootstrapped MVP
- Transaction-backed social feed
- Live battles & live gaming
- Ads in the feed
- USPTO-registered AI algorithm
- Visa & Mastercard virtual cards
- USD, EUR & GBP named accounts
Phase 2 · Next, after funding
Funded MVP & partners
- Deploy VaultShop (already built)
- VaultGift: gift cards
- VaultBill: bill payments
- Conduit: stablecoin money network
- Rain: stablecoin-backed Visa cards
- Plaid: open banking + KYC
Phase 3 · Scale
Built to scale
- Global business onboarding
- New York office
- Hiring the team
- Go-to-market spend
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Next MVP · After funding
VaultShop
Shop
Product
Vault it together
The social marketplace. Launches with funding.
- Every product shows its verified buyers
- Buy in one tap from the VaultPay wallet
- Sellers go live with a product
- Friends vault it together, in real time
Who it serves
BusinessesCreatorsBuyers
Shopping becomes a live event
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Funded MVP · Spending
VaultShopShop creators and businesses
VaultGiftGift cards to spend worldwide
VaultBillPay bills from your balance
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What funding unlocks · Phase 2 & 3
Funding unlocks the partners built for scale
Phase 2 partners
Conduit
Global money network powered by stablecoins
Rain
Stablecoin-backed Visa cards, global coverage
Open banking + KYC, US & Canada
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Our team
Led by product-obsessed operators and brand builders with deep conviction in user-first fintech.
- Proven ability to ship and grow with minimal capital
- Brand strategy rooted in human design and community
- Deep understanding of financial-social convergence
Offices · Los Angeles, USA · Estonia
VaultPay2026
Product demo · See it running
See all of it working
Everything in this deck, in the live app.
What you will see
- A payment becoming a post in the feed
- Buying from a live, money held until it arrives
- The cards, accounts and wallet behind all of it
Demo video
Link coming soon
This page will carry the video link and a QR code, so it plays from the online deck or straight from this PDF.
VaultPay2026
Let's build together
Help build the most trusted, social side of money.
The full demo video is on page 3 and on the page before this one.
Offices in Los Angeles, USA and Estonia.
investors@getvaultpay.co
