Help · Guide

How to Use Vaulty for Everyday Life

Plain-English instructions for getting paid, paying bills, sending money, and spending with the Vaulty Card — while keeping full custody of your funds.

Send & receive bank transfers

1Open Wallet → Bank Transfer.
2Choose Send to bank. Pick GBPc, USDC, or EURC and the rail (Faster Payments, SEPA, or SWIFT).
3Enter the recipient bank details and reference. Review the partner fee shown before you confirm.
4Approve with biometrics. The licensed partner converts and sends a normal bank payment.
5To receive, tap Receive from bank — Vaulty shows your unique virtual bank details with the mandatory reference.

Set up a Smart Mandate

1Go to Wallet → Smart Mandates → New mandate.
2Enter payee, reference, frequency, and the maximum amount that can ever be charged.
3Choose Fixed (always max) or Capped (≤ max).
4Sign once. The mandate runs on schedule — cancel, pause, or edit the cap any time in one click.

Order & use the Vaulty Card

1Open Wallet → Vaulty Card.
2Pick Virtual (instant) or Physical (delivered to you).
3Choose your funding currency. Add the virtual card to Apple Pay or Google Pay.
4Spend anywhere Visa/Mastercard is accepted — Vaulty auto-converts your balance to local currency.
5Manage limits, freeze, channels, and zones from the card screen at any time.

Visual flow — how money moves safely


  You (self-custody)        Regulated partner          Recipient
  ┌────────────────┐        ┌────────────────┐        ┌────────────────┐
  │  GBPc / USDC / │  ───▶  │  FCA / MiCA    │  ───▶  │  Bank account, │
  │  EURC balance  │ signs  │  e-money issuer│ rails  │  card terminal,│
  │  in wallet     │ locally│  converts 1:1  │ FP/SEPA│  or merchant   │
  └────────────────┘        └────────────────┘ /SWIFT └────────────────┘
            ▲                       │
            └──────── receipt ──────┘
            Vaulty never takes custody of your funds.

Security model

• Your keys, your funds. Vaulty never holds or moves money without a signed instruction from your device.
• Only regulated partners handle conversion. FCA, MiCA, and FinCEN-registered e-money issuers do the fiat leg.
• Mandates have a strict client-enforced cap — a merchant can never exceed it.
• Card spending honours your zones, limits, freeze state, and Trust Score gating.
• Every action can trigger Telegram alerts and surfaces in the 3D Vault activity feed.

Eligibility & regions

GBPc, Faster Payments, Vaulty Card, mandates.

EU / EEA

EURC, SEPA, Vaulty Card, mandates (MiCA-aligned).

Global (select)

USDC, SWIFT, Vaulty Card where partner supports your country.

Region availability is automatically detected. Unsupported features hide themselves; nothing is processed outside legally permitted regions.

Troubleshooting

Bank transfer hasn’t arrived: Faster Payments usually clear in minutes, SEPA same/next business day, SWIFT 1–3 days. Check the reference matches exactly.
Mandate didn’t run: Mandates pause automatically if your balance is below the cap. Top up and tap Resume.
Card declined: Check the card isn’t frozen, the merchant zone is allowed, and your daily limit hasn’t been reached.

Need a human?

Vaulty handles product support; the partner handles billing support for any specific transaction. Start here:

Open Payments hub Security overview Telegram support