Press Release - For Immediate Release
Helsinki – 12 February 2026 – Valos, a digital asset manager, today announced the launch of an institutional credit vault that allows allocators to independently verify collateral coverage and counterparty exposure in real time. The vault is launching with $100 million worth of allocations and a capacity of $200 million.
The launch addresses a growing demand among institutional allocators for greater transparency in digital asset credit markets, where reporting has historically relied on periodic disclosures and snapshot reporting. Instead of waiting for quarterly updates, allocators can monitor the health of the loan book continuously through a live verification dashboard.
The vault is built on Accountable’s Data Verification Network, which enables independent verification of assets and liabilities without exposing sensitive borrower data, trading strategies or API credentials. Valos currently manages over 50 active loans, and has a track record of deploying more than $1 billion to tier-1 crypto market makers. Borrower financial health is verifiable on an ongoing basis through the platform.
“We are seeing increasing demand from institutional allocators for higher standards of transparency,” said Henri Nieminen, Co-Founder and CEO of Valos. “This vault delivers exactly that – continuous, independent visibility into how capital is secured and diversified.”
Several borrowers within Valos' existing loan book are exploring the adoption of Accountable’s verification infrastructure within their own operations. Valos plans to incorporate this data more deeply into its ongoing risk assessment processes over time.
The vault offers an expected net APY of 7-8%, generated from Valos' institutional lending activities. Creation and redemption of vault shares are supported by Agora’s institutional-grade stablecoin, AUSD, enabling on-chain liquidity while operating within established institutional safeguards. The product launches on the high-performance infrastructure, Monad mainnet.
Key features include:
- Real-time, independent verification of collateral coverage and counterparty exposure
- Continuous monitoring, replacing quarterly reports and static proofs of reserve
- Exposure to Valos' institutional loan book, comprising loans to tier-1 market participants
- Privacy-preserving verification that protects borrower strategies and sensitive data
- Access via YieldApp, Accountable’s marketplace for verifiable yield products
The launch reflects a broader shift in digital asset credit markets, as allocators demand higher standards of transparency, risk control and operational discipline following a series of market dislocations. Continuous verification is increasingly viewed as a baseline requirement for institutional participation rather than a differentiator.
The credit vault is available immediately to eligible institutional and professional allocators in permitted jurisdictions.
Contact
Lauri Marekwia
Product Lead - On-Chain
lauri@valos.io
Introduction to Vault Collaboration Partners
About Valos
Valos is a digital asset manager with particular expertise in institutional private credit. The firm provides secured lending solutions to professional allocators, with an emphasis on risk management, transparency and capital preservation. Valos manages one of the largest active institutional loan books in digital asset private credit, with long-standing counterparties across the ecosystem, including tier-1 market participants. Its credit strategies are supported by disciplined underwriting, continuous risk monitoring, and experience operating through different market cycles.
About Accountable
Accountable is the new standard for real-time financial verification that allows institutions to prove assets and liabilities privately. Built for both traditional and crypto-native markets, the platform enables counterparties to demonstrate financial health without exposing sensitive details like API keys, wallet addresses or trading strategies. At its core is the Data Verification Network (DVN), a privacy-preserving system that powers real-time proof of both onchain and offchain activity. On top of DVN, Accountable offers Vault-as-a-Service, a framework for structuring and managing capital onchain, and YieldApp, the first marketplace built on DVN, surfacing verifiable yield opportunities. Learn more at https://www.accountable.capital/
About Monad
Monad is a high-performance, EVM-compatible Layer-1 blockchain designed for high-frequency finance. It delivers up to 10,000 transactions per second, sub-second finality, and low transaction fees. Its architecture enables more efficient payment flows and other transaction-intensive financial use cases by reducing latency and improving throughput while maintaining compatibility with established Ethereum standards. Monad is operated by a decentralized, globally distributed validator network and provides secure, scalable infrastructure for on-chain financial activity at scale.
About Agora
Agora is a leading stablecoin issuer and infrastructure provider to enterprises. AUSD, Agora's institutional-grade stablecoin, is widely used across trading, payment, treasury, lending, and third-party applications.
Disclaimer
This press release is provided for informational purposes only. It does not constitute investment, legal, tax, or accounting advice. Nothing herein constitutes an offer to sell or a solicitation of an offer to buy any securities or investment products in any jurisdiction. Any participation is subject to definitive documentation and applicable law.
Digital asset credit arrangements involve substantial risk and may not be suitable for all parties. Risks include, without limitation, borrower and counterparty credit risk, collateral volatility and potential shortfalls, liquidity risk, and risks arising from the use of blockchain networks and smart contracts. You may lose some or all of the allocated assets and there is no guarantee of principal protection.
Any interest or economic terms are indicative only and not guaranteed. Fees, expenses, losses, and enforcement costs may reduce or eliminate interest and/or principal.
Availability is subject to eligibility requirements and jurisdictional restrictions. The regulatory status of digital asset products is evolving and may vary by jurisdiction. Any participants should consult their advisers before entering into any transaction.