Transparency: Verify Our Vault Reserves On-Chain

Wealtii holds user fund assets 1:1 in a Gnosis Safe 3-of-3 multi-signature vault on BNB Smart Chain at the public address 0x54dd6ADaCe8BFd8feAA9cdf1Ca8891c74FaB2583. Moving vault funds requires all three signatures. Because the address is public, anyone can view the vault's token balances and full transaction history on BscScan, without an account and without asking us.

Key facts:

• Vault type: Gnosis Safe (Safe{Wallet}) multi-signature smart contract
• Network: BNB Smart Chain (chain ID 56)
• Signature threshold: 3 of 3. Every outgoing transaction needs all three signatures
• Address: 0x54dd6ADaCe8BFd8feAA9cdf1Ca8891c74FaB2583
• What it holds: the tokens bought for the three Wealtii funds (for example BTCB, WBNB, ETH, LINK, ADA, NEAR, ZEC, TRX, XRP, XAUT and Ondo Global Markets tokenized stocks and ETFs)
• Use of assets: not lent, staked or rehypothecated; Wealtii does not earn yield on user assets

The target weights of each fund are published on our methodology and factsheets page.

You can check the vault yourself in a few minutes:

1. Open the vault on BscScan: go to bscscan.com and paste 0x54dd6ADaCe8BFd8feAA9cdf1Ca8891c74FaB2583 into the search bar (or use the BscScan button at the top of this page).

2. Check the token holdings: open the token holdings dropdown on the address page to see every token the vault holds right now and its current value.

3. Check the history: the transactions and token transfers tabs list every movement in and out of the vault, with timestamps.

4. Check the signature threshold: open the vault in the Safe app (button at the top of this page) and look at its setup, or on BscScan open the Contract tab and use "Read as Proxy". getThreshold returns 3 and getOwners lists three signer addresses, so any outgoing transaction needs all three.

5. Compare with the funds: each holding in the vault should correspond to an asset in one of the three funds. Fund holdings and target weights are on each fund page and on our methodology page.

6. Check your own transactions: where your deposit, order or withdrawal produced an on-chain transaction, its hash in your transaction history opens on BscScan.

If anything you see doesn't match what Wealtii shows you, open a support ticket or email support@wealtii.com.

A longer walkthrough with screenshots is in our guide on how to verify Wealtii's reserves.

Checking the vault on BscScan is useful, but it is important to be precise about what it shows.

What the check proves:

• The tokens shown are held at the vault address at the moment you look
• The vault is a Safe contract that needs 3 of 3 signatures to move funds
• Every movement in or out of the vault is publicly recorded

What the check does not prove:

• That vault holdings cover every user's balance. The vault is pooled across all users, and each user's fund units are recorded in Wealtii's own database. We do not yet publish a dated reconciliation of vault holdings against total fund units outstanding, and no third party has attested to one.
• Who controls the signer keys. The threshold is public; the identity of the key holders is not.
• That token issuers hold their reserves. BTCB is issued by Binance and backed by BTC held by Binance; XAUT is issued by TG Commodities (Tether) and backed by gold; Ondo Global Markets tokens depend on Ondo's arrangements for the underlying securities. The vault check shows that the tokens exist, not that each issuer's backing is complete.
• That your investment is protected from losses. Token prices can fall, and there is no deposit insurance, investor-compensation scheme or crypto insurance.

Wealtii has not had a third-party audit or attestation. Our regulatory status page explains what that means for you.

Every Wealtii fund is backed 1:1 by the underlying tokens it holds. Here's how that works:

When You Invest: You choose a fund, and the platform buys every holding at its target weight using your USDT. For example, $1,000 invested in the Multi-Asset Balanced Allocation Fund buys roughly $199 of TRON (TRX), $198 of tokenized SPDR S&P 500 ETF (SPYon), $196 of tokenized iShares Silver Trust (SLVon), $191 of Tether Gold (XAUT), $73 of Bitcoin (BTCB), $72 of XRP and $71 of BNB (WBNB), before network fees and market price impact. Swaps are executed on-chain through DEX aggregators at the best available quote.

Where the Assets Go: The tokens are held in the Gnosis Safe 3-of-3 vault on BNB Smart Chain. Moving vault funds requires all three signatures.

What You Own: Your portfolio shows fund units. Their value is calculated from live market prices of the tokens the fund holds.

No Lending or Staking: Wealtii does not lend, stake or rehypothecate user assets and does not earn yield on them.

Rebalancing: Automated rebalancing is in development and not live yet. Each purchase buys every holding at its target weight, so actual weights move with prices between purchases.

The 2022 failures of several crypto lenders and exchanges showed what happens when a platform says it holds customer assets but has lent them out, used them as collateral or never bought them at all.

Wealtii's model is designed to avoid that:

No Lending or Rehypothecation: The tokens bought for the funds are not lent out or used as collateral.

Public Address: Because the vault is a public smart contract, anyone can check what it holds at any time on BscScan.

Real Tokens: The vault holds the actual tokens, not derivatives or IOUs.

Its limits are explained in section 1.3: the vault is pooled, per-user balances are kept in Wealtii's database, and we do not yet publish a third-party-attested reconciliation.

Orders are processed in batches:

Batching and Netting: Buy and sell orders for the same fund assets are grouped, and where buys and sells offset each other only the net difference is swapped on-chain. This cuts network fees and price impact; the net result is a real on-chain trade.

On-Chain Execution: Swaps are executed through DEX aggregators at the best available quote. Market price impact and slippage can apply.

Failed Swaps: If an on-chain swap fails, the batch is retried with fresh quotes. If it cannot be completed, affected deposits are refunded to the user's balance and affected sell orders are marked as failed, with notifications sent.

Deposits: USDT sent to your personal deposit address is credited after 12 network confirmations and then moved on-chain into the vault.

Wealtii's money movements happen on BNB Smart Chain, a public blockchain, so they leave a public record:

• Deposits: USDT you send to your personal deposit address is visible on BscScan, as is its transfer into the vault.

• Purchases and Sales: Fund swaps are executed on-chain through DEX aggregators. Because orders are batched and netted, one on-chain swap can cover several users' orders.

• Withdrawals: The USDT transfer from the vault to your external BEP-20 wallet is an on-chain transaction you can track.

Blockchain records can't be edited after the fact, and checking them doesn't depend on Wealtii being online.

Step 1 - Find the Transaction Hash: Where a deposit, order or withdrawal produced an on-chain transaction, the transaction hash is shown in your transaction history or order details.

Step 2 - Open It on BscScan: Use the link next to the hash, or paste the hash into bscscan.com.

Step 3 - Review the Details: BscScan shows the sender and recipient addresses, the token amounts, the timestamp, the status and the network fee.

Step 4 - Cross-Reference: Compare BscScan with your Wealtii dashboard. Because orders are batched, a swap's amounts can be larger than your own order. If anything looks wrong, contact support.

During our early-adopter promotion, Wealtii charges 0% platform fees on purchases, sales and withdrawals. There is no management fee, performance fee, lock-up or exit penalty.

Costs that still apply:

• Blockchain network (gas) fees, typically under $0.50 on BNB Smart Chain
• Market price impact and slippage on on-chain swaps executed through DEX aggregators at the best available quote; DEX liquidity providers' swap fees are part of the execution price and do not go to Wealtii
• A 0.5% processing fee on refunds of deposit over- or under-payments, when the USDT you send differs from the amount you selected beyond the tolerance buffer
• Third-party on-ramp providers' own fees, if you buy USDT with a card or bank transfer

Platform fees are shown before you confirm a transaction. If platform fees are ever introduced or changed, we will give at least 30 days' advance notice and never apply them retroactively. The full schedule is on our fees page.

What is live on Wealtii today:

✓ Three Index Funds: Fixed target allocations with position caps, backed 1:1 by tokens held in the vault. Two of them include tokenized stocks and ETFs, tokenized gold and tokenized silver.

✓ USDT Deposits: Personal BEP-20 deposit addresses, credited after 12 confirmations, plus card or bank purchases of USDT through third-party on-ramp providers.

✓ On-Chain Execution: Swaps through DEX aggregators at the best available quote.

✓ Multi-Signature Custody: A Gnosis Safe 3-of-3 vault on BNB Smart Chain with a public address.

✓ Portfolio Tracking: Live valuations, allocation breakdowns and transaction history.

✓ Two-Factor Authentication: Authenticator-app (TOTP) 2FA, with email one-time codes for sign-in verification.

✓ Tiered Verification: No ID documents needed to start — verify your email and invest up to $10,000. ID verification unlocks higher limits.

✓ Ticket-Based Support: Tickets accepted 24/7, with a typical first response within a few hours.

Not live yet:

• Automated Rebalancing: In development. Today each purchase buys every holding at its target weight.

• Published Reserves Reconciliation: A dated comparison of vault holdings against total fund units outstanding.

• Withdrawal Address Whitelisting: Restricting withdrawals to pre-approved addresses.

• Anti-Phishing Code: A personal code shown in our emails.

• Mobile Apps: Native iOS and Android apps.

Planned features can change and have no fixed timeline. The roadmap is updated as features ship.

Being clear about what Wealtii is not:

Not Regulated: Wealtii is not registered or licensed as a broker-dealer, investment adviser, money services business or virtual asset service provider with any regulator, and is not regulated. See our regulatory status.

Not Yet a Registered Company: Wealtii is currently operated by its founder, Zayd Ahmed. A formal legal entity has not yet been established; we are working towards formal company registration.

No Insurance: There is no deposit insurance, investor-compensation scheme or crypto insurance.

Not Audited: There has been no third-party security audit, penetration test, SOC 2 or ISO 27001 certification yet. These are planned.

No Promised Returns: Digital asset prices are volatile and you can lose money. Past performance does not guarantee future results. Multi-year return figures shown for our funds are hypothetical backtests of their current allocations, not actual fund performance.

You can check the vault, your own on-chain transactions and the fees you were charged at any time:

• Vault: the public address is 0x54dd6ADaCe8BFd8feAA9cdf1Ca8891c74FaB2583
• Transactions: transaction hashes in your history open on BscScan
• Fees: compare what you were charged with our published fee schedule

Trust is useful, but verification is better.

No Lock-Up: You can sell your fund units at any time; there are no lock-up periods or exit penalties.

How Withdrawals Are Paid: Withdrawals are paid in USDT to an external wallet on BNB Smart Chain (BEP-20). Wealtii does not pay out to bank accounts.

Limits: Withdrawals count toward your verification level's limits (Basic: up to $10,000 in total; Intermediate: up to $100,000 per day; Advanced: no platform limit). Some withdrawals can need extra security review.

Platform Status: Our system status page loads live service health in your browser.

Fee Changes: At least 30 days' advance notice, never retroactive.

Policy Updates: Changes to our Terms of Service, Privacy Policy and other legal documents are announced in advance.

Security Incidents: If a security incident affects users, we will tell affected users promptly.

Fund Changes: Changes to fund compositions or target weights are announced, and the methodology page is updated.

How We Write: Our Learn guides follow a published editorial policy, including how to request a correction.