⬡ EXCHANGES · CUSTODIANS · BANKS

Prove assets exceed liabilities — without revealing a single customer balance.

Every exchange, custodian, and bank eventually has to demonstrate that customer assets are actually there. The usual answers are a periodic auditor's letter or a published wallet list — one asks the public to trust a third party's opinion, the other exposes treasury positions to anyone watching. VeraZK generates a post-quantum proof that assets exceed liabilities, verifiable independently by a regulator, an auditor, or any individual customer, with the underlying balances never leaving your infrastructure.

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The Problem

Why the current approach forces a trade-off.

The obligation and the disclosure it demands are two separate things. Today they are bundled together — and that bundling is a choice, not a requirement.

Attestation is an opinion, not a guarantee

A periodic letter from an accounting firm confirms a snapshot, signed by a party the customer has no way to check. FTX was audited. The mechanism failed because it rested on trust rather than mathematics.

Wallet disclosure leaks strategy

Publishing addresses to prove reserves hands competitors and counterparties your treasury structure, custody relationships, and flow patterns — none of which is required to prove solvency.

Liabilities are the hard half

Assets can be shown on-chain. Liabilities cannot. Without a proof that the liability side is complete, an asset disclosure proves nothing about whether customers are covered.

Snapshots miss the gaps

A quarterly attestation says nothing about the days between. Regulators across the GCC and EU are moving toward continuous or on-demand verification.

How It Works

From your data to an independently verified proof.

The same four-step process used across every VeraZK service, configured for this proof type.

Configure Your Service

Select the proof service you need, map your data sources, and define the rules your data must satisfy. Configuration is declarative — a manifest file, not custom code.

Your Data Stays Inside Your Infrastructure

The VeraZK engine runs entirely within your own systems. Customer identifiers are irreversibly anonymised inside your hardware before any computation begins. Raw data never leaves your trust boundary.

The Proof is Generated

A post-quantum proof is computed over your data — proving the required properties without embedding any raw data in the output. The bundle is compact, tamper-evident, and carries a complete signed audit trail.

Anyone Can Verify — Independently

The regulator, your auditor, your counterparty, or any member of the public runs the verifier against the proof bundle. Verification requires no account and no call to our systems.

What This Service Does

Proof of Solvency in practice.

Regulator controls the proof snapshot — not the institution

Independent custodian attestation from approved third parties

Each customer can privately verify their own account is included

Officer attestation creates personal legal accountability

What We Guarantee

Properties of the proof system, not promises about us.

🔒 The proof cannot be forged

Producing a false proof that passes verification is computationally impossible — even for the institution that generated it. A mathematical property, not a policy.

👁️ Zero data exposure

No customer record, transaction amount, balance, or proprietary data point appears in any proof bundle. Exposure is zero by construction.

🌐 Anyone can verify

The verifier requires no account, no licence, and no contact with us. Any regulator or auditor reaches the same result independently.

🛡️ Post-quantum secure

Resistant to both classical and quantum attack. No trusted setup ceremony, no shared secrets, no single point of trust.

🔗 Tamper-evident audit trail

Every stage of the pipeline produces a signed, chained record. Tampering between stages is cryptographically detectable.

⚡ Verification in seconds

Any proof can be verified in seconds on a standard laptop. No cloud infrastructure, no specialised hardware, no GPU.

Regulatory Fit

Configured to how each regime defines the obligation.

UAE — VARALicensed VASPs face reserve and client-asset segregation obligations, with independent verification increasingly expected rather than merely permitted.

UAE — CBUAE / DFSAClient-money and safeguarding rules for licensed institutions, with the DFSA operating a formal registered-auditor regime in the DIFC.

Switzerland — FINMAFinIA reform introduced new crypto licence categories, each carrying client-asset and prudential obligations.

Singapore — MASDigital token service providers under the FSMA regime face segregation and reporting duties on customer assets.

FAQ

Questions specific to this service.

Can each customer check that their own account was included?+

Yes. Inclusion can be verified privately by the individual customer against the published commitment, without revealing their balance or anyone else's, and without them needing to trust the institution's word that the liability set was complete.

Does the regulator control when the snapshot is taken?+

It can. The snapshot trigger is configurable, so the proof can be generated at a moment the regulator chooses rather than one the institution selects — which removes the window-dressing objection that undermines scheduled attestation.

What does the verifier actually see?+

A mathematical assertion and the public parameters needed to check it. No balances, no wallet addresses, no customer identifiers, no treasury composition.

Does this replace our auditor?+

No — and the framing matters commercially. Regulator-approved auditors do things a proof cannot, and a proof does things an auditor cannot. Most institutions run both, with the proof supporting the audit rather than substituting for it.

Get Started

See a real proof, on your own infrastructure.

One day. No charge. No commitment. Your team runs the verifier before the session ends.

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