Institutional access to IXS Vaults follows a standard onboarding path: jurisdiction and eligibility verification, KYC and AML review, custody setup, Vault selection, stablecoin deposit, and ongoing position monitoring. US institutions and accredited investors access through IXS Finance USA via a chaperoning arrangement with a SEC-registered broker-dealer. The full onboarding process typically takes one to four weeks depending on jurisdictional complexity and custody requirements.
Before beginning the onboarding process, confirm that your institution meets the eligibility requirements for the Vault products you intend to access.
IXS Vaults are available to institutional investors, accredited investors, and qualified purchasers. The specific eligibility threshold depends on the Vault product and the investor's jurisdiction. Institutional investors include asset managers, pension funds, endowments, family offices, insurance companies, sovereign wealth funds, and corporate treasuries. Accredited investors meet the income or net-worth thresholds defined by their local securities regulation.
Jurisdictional coverage operates on two tracks. Non-US investors access IXS Vaults directly under the Bahamas DARE Act 2024 licensing perimeter. US institutional and accredited investors access through IXS Finance USA, which operates under a chaperoning arrangement with a SEC-registered broker-dealer. This structure supports compliant US access without requiring IXS Finance itself to hold US broker-dealer registration.
If you are unsure whether your institution qualifies, submit an inquiry at ixs.finance/contact with your jurisdiction, entity type, and intended allocation size. The IXS institutional team will confirm eligibility before you begin the formal onboarding process.
Once eligibility is confirmed, the institution submits its KYC and AML documentation package. This is a standard institutional onboarding process — the same documentation your firm provides to any regulated financial counterparty.
The typical documentation package includes certificate of incorporation or equivalent formation documents, proof of registered address, beneficial ownership disclosure (identifying all individuals with 25% or more ownership or control), authorized signatory documentation, accredited investor or qualified purchaser certification (where applicable), and source-of-funds declaration.
For US institutions accessing through IXS Finance USA, additional documentation may be required under the chaperoning arrangement, including FINRA-related disclosures and US-specific accreditation verification.
KYC review is performed against applicable AML/CFT standards, including FATF Recommendations and jurisdiction-specific requirements. The review typically takes five to ten business days. IXS may request additional documentation if the initial submission is incomplete or if enhanced due diligence is triggered by the institution's risk profile or jurisdiction.
Upon completion, the institution's wallet addresses are whitelisted for Vault interaction. This whitelisting is enforced at the smart-contract level — only verified addresses can deposit, hold, or redeem Vault tokens.
Institutional investors need a custody arrangement compatible with the IXS Vault architecture before depositing capital. This means holding stablecoins in a wallet that can interact with ERC-4626 Vault contracts on Ethereum or supported EVM chains.
There are three common custody configurations.
Institutional custodian. The institution holds stablecoins through a regulated custodian (BitGo, First Digital Trust, Anchorage, Fireblocks, or equivalent) that supports EVM-compatible smart-contract interaction. The custodian manages key security, transaction signing, and policy enforcement. This is the most common configuration for large allocators.
Qualified self-custody. The institution manages its own keys through a multisig wallet (Safe or equivalent) with internal controls, separation of duties, and audit-grade key management. This is typical for crypto-native funds and treasury operations with in-house custody expertise.
Managed wallet through IXS Finance USA. For US institutions that do not have existing crypto custody infrastructure, IXS Finance USA can facilitate custody setup through its partner custodians as part of the onboarding process.
The custody configuration is documented during onboarding and linked to the whitelisted wallet addresses from Step 2. Changing custody arrangements after onboarding requires re-verification.
With KYC complete and custody configured, the institution selects which Vault products to access. Each Vault has its own risk profile, underlying asset composition, yield range, and liquidity terms.
BTC Real Yield pays yield in stablecoins on tokenized BTC-backed instruments. BTC holders deposit Bitcoin as collateral into a non-recourse, 0% collar loan. Proceeds are deployed into regulated fixed-income RWAs (Treasuries, MMFs, private credit), generating 4–12% APY paid in USDC or USDT. BTC custody is held by BitGo, Fireblocks, or First Digital Trust.
Corporate Bonds provide access to tokenized regulated corporate debt instruments structured for institutional and accredited investors. Yield and maturity terms vary by issuance.
Open-Ended Vaults are ERC-4626 vaults with daily liquidity, regulated underlying assets, and multi-stablecoin deposits. These are designed for institutional treasuries and allocators that need flexible deployment and redemption without lock-up periods.
Product documentation — including underlying asset description, yield structure, custody details, redemption terms, and risk disclosures — is provided during onboarding and available on the IXS platform. The institutional team can walk through product specifics for allocators evaluating multiple Vault options.
Deposits are made by sending supported stablecoins from the institution's whitelisted wallet to the Vault contract. The Vault accepts USDC, USDT, and additional supported stablecoins across Ethereum and supported EVM chains.
The deposit flow is a standard smart-contract interaction: approve the Vault contract to spend the stablecoin amount, then call the deposit function. For institutions using custodians with policy engines (BitGo, Fireblocks), the Vault contract address is added to the institution's allowlist and the transaction is signed according to the custodian's approval workflow.
There is no minimum deposit enforced at the contract level for most Vaults, but institutional onboarding is designed for allocations starting at $100,000 or above. For smaller exploratory allocations, the institutional team can advise on appropriate Vault selection.
Upon deposit, the institution receives Vault tokens representing its pro-rata share of the underlying assets. These tokens are held in the same whitelisted wallet and are subject to the transfer restrictions defined in the Vault's legal structure — they cannot be transferred to non-whitelisted addresses.
Yield begins accruing from the deposit block. Distribution frequency (daily, weekly, or at maturity) depends on the Vault product.
After depositing, the institution monitors its positions, yield accrual, and underlying asset performance through the IXS platform interface or via API.
The platform dashboard shows current Vault positions by product, deposited amount and current NAV, yield accrued and distributed, redemption availability and terms, and underlying asset composition and performance updates.
For institutions that integrate IXS data into their own portfolio management systems, API endpoints provide the same data programmatically. Position data is also verifiable onchain — the Vault token balance and the Vault's total assets are public on the blockchain.
Redemption requests are submitted through the platform or via contract interaction, subject to the redemption terms of the specific Vault. Open-Ended Vaults support daily redemption. Fixed-term products redeem at maturity or within defined windows. Redemption proceeds are returned in the deposit stablecoin to the institution's whitelisted wallet.
Ongoing reporting — quarterly statements, audit confirmations, and regulatory disclosures — is provided through the platform and via the institutional team for allocators that require custom reporting formats.