Capital priced against verified reserves.
Lending against gold is as old as gold — and it has always been gated by custody and paperwork: surrender the metal, accept an opaque valuation, wait. The vault is gated by verification. Once gold is attested, its value lives on-chain as SOV — collateral a public contract can lend against, with every term enforced by code. No negotiation, no opaque valuation, no waiting room.
Attest · collateralise · lend — the metal never moves · every term public code
Dead gold becomes working capital.
The gold proves itself
A sealed hardware reading of mass, purity and origin — physics, not paperwork. No verification, no token.
Value moves on-chain
Attested gold backs SOV — collateral any counterparty can verify for free, in seconds, without trusting us.
The contract lends
VPAYVault lends against attested reserves under rules everyone can read — over-collateralised, Safe-administered, no discretion.
The vault converts a SOV reserve position into working liquidity without unwinding the underlying gold — the difference between holding gold as a static balance-sheet item and holding it as a productive collateral position, priced against a hardware-rooted, on-chain-verified physical attestation rather than a paper vault receipt.
Every term is a line of public code.
What is live today and what is planned are stated separately, because they are different claims.
150% over-collateral floor
The deployed contract enforces a 150% over-collateralisation floor on every position — readable on-chain, administered by the 2-of-3 Safe, with no discretionary override.
Oracle-priced, tiered terms
Loans will be priced against a Chainlink XAU/USD feed (1-hour max staleness) once the v1.1 oracle bridge is live, with 95–150% over-collateralisation depending on counterparty tier.
Jurisdiction-agnostic by design
A GSU attests metal in whatever accredited vault a mandate specifies. Launch custody is licensed Ghanaian vaulting — third-party custodian and insurance engagement in progress — because the gold does not need to travel to be trusted. Where it sits is a mandate decision, not a protocol constraint.
Five layers, no bypass
Physical gold at a licensed source → GSU hardware reading → on-chain attestation → SOV mint → vault capital. No step bypasses the one below it; the CircuitBreaker can pause the stack globally or per-node.
Built for reserve holders, not speculators.
VPAYVault is a working-capital facility for institutional counterparties holding attested SOV reserves — counterparties whose problem is that verified gold sits idle on the balance sheet:
Productive custody
Metal under custody becomes verifiable collateral without leaving the vault — a service line, not a static liability.
Working inventory
Exchanges, treasury operations and integrated commodity desks draw liquidity against reserves they already hold and can prove.
Reserves that work
Reserve managers hold gold for sovereignty — the vault lets that position fund operations without selling a single bar.
Institutional engagement: request the diligence pack · compliance questions to cco@ecoventafrica.com.
Nothing here asks for your trust.
What is true today.
The VPAYVault contract is deployed, source-verified, and Safe-administered on Polygon Mainnet. Lending operations are not yet open — they activate with the first attested deposits, after the GSU field pilot. The v1.1 Chainlink pricing bridge and tiered terms are design commitments, not live code. Third-party custodian and insurance engagements are in progress, not signed. The independent Tier-1 audit is pending; the current security posture is a published AI-assisted internal assessment. SOV is not currently purchasable, not offered for sale, and not an investment product — and nothing on this page is an offer of credit or a promise of yield. If a claim here outruns these facts at any point, the page is wrong and we will correct it: Ano@ecoventafrica.com.
Full technical depth — the contract suite, hardware architecture and verification trinity — on the technology page or under NDA via ecoventafrica.com/diligence.