Twelve Ways to Increase Profits with Vesto

A Global Crypto Banking, DeFi and Transaction Protocol

Roger Taylor MD, and Doug Young



Vesto’s founding principles include: be easy to use, conduct all transactions on-chain, and provide our clients with comprehensive end-to-end solutions using the latest technology. These attributes, and our flexibility to add new features and customize and white label our platform, differentiate Vesto from competitors. Vesto’s multi-chain, multi-token and multi-sig protocol, and our best-of-breed partnering strategies mean Vesto can grow and expand with our clients, regardless of where their use cases, technology needs, or geographic expansions take them. Unlike many crypto companies offering a single point solution or a limited menu of services, Vesto enables its clients access to the entire world of blockchain and cryptocurrency-based transactions, banking services and decentralized finance (DeFi). Vesto’s protocol enables its clients to increase yields, efficiency, opportunities and overall profits twelve different ways, and supports a wide range of industry verticals, functionalities and use cases.

Current and potential Vesto clients vary widely, but all can benefit from one or more of these twelve separate but often overlapping ways to increase profits and operational efficiency. The potential use cases for Vesto’s platform are limited only by the imagination of the intrapreneurs and entrepreneurs interested in helping their company take advantage of the many benefits of using crypto, blockchain technology and DeFi. This article is designed to help those potential users think more broadly about how Vesto can add value by empowering new use cases, expanding products and services, moving into new markets faster, creating new partnerships and opportunities, and expanding their organizations' overall profitability.


Over 300 million people own cryptocurrency globally, with an approximate total value of 2.5 trillion US dollars (USD) in circulation, yet most companies don’t have a strategy or the technology to tap into this market. Of the companies using cryptocurrency, many use it only for speculation, rather than taking advantage of its potential to transform their business and quickly expand opportunities and profits. Only a few large companies are taking advantage of the speed and efficiencies of blockchain technology. Now, Vesto makes it easy to change this paradigm.

Vesto is a gateway to the world of blockchain and cryptocurrency-based transactions, banking and decentralized finance (DeFi). Vesto’s easy to use, multi-chain, multi-token, and multi-sig protocol can be white labeled and easily integrated with clients’ systems and products, or deployed as a separate, standalone offering. For companies wanting to meet both today’s cryptocurrency needs and their yet-to-be-defined future needs, Vesto makes it easy. Its protocol is architected for the future, offering both a uniquely comprehensive range of crypto-related capabilities now, as well as the flexibility and versatility to add or integrate with new innovative protocols and capabilities as they arise. As an enterprise-ready protocol, a standard white labeled version of Vesto’s containerized solution can be quickly deployed within one to two months. Its cloud container of application services, unique client applications (Apps), software development kits (SDKs), application programming interfaces (APIs), and Vesto’s ERC20, ERC721 and ERC1155 compliant vTokens, make even customized deployments relatively quick and easy. By licensing Vesto’s protocol, companies can rapidly add transformative crypto and blockchain capabilities to their businesses without having to invest time and money in new hardware, software, or systems personnel. Vesto is arguably the best crypto transaction and decentralized services protocol available.

It's easy for discussions with potential clients about what makes Vesto so unique and versatile, and its use cases so variable, to get bogged down in technical jargon. It’s also easy to get bogged down talking about DeFi, both because potentially high DeFi yields are a major driver for adoption, and because yields from Vesto’s DeFi products are so high compared to traditional banking and investment yields. Vesto encourages this discussion because its DeFi protocol shines when compared to competitors. Our DeFi partners’ algorithms search through and deliver the best yields available from over a dozen different high quality DeFi companies. However, by focusing on DeFi yields and Vesto’s technology, potential clients can miss the bigger picture of why Vesto is so unique in the industry today, and miss many of the other sources of savings, profit and opportunity Vesto can deliver.

This article summarizes the many ways Vesto’s protocol helps its clients make higher profits, reduce costs, reach a wider array of customers, and build new products, business opportunities and partnerships. The target audiences for this article are the intrapreneurs and entrepreneurs interested in helping their company take advantage of the many benefits of crypto, blockchain transactions and DeFi, but who need help understanding, or explaining to their associates, why Vesto is considered more comprehensive, attractive, and versatile than its competitors. As such, this article focuses on all the ways clients can profit from using Vesto, rather than on the industry-leading technology that makes that possible, or the way Vesto is designed to support regulatory compliance in any jurisdiction that allows the use of cryptocurrency. To learn more about Vesto, visit To learn more about its history and technology, read “Introduction to Vesto and its Technology” at

Twelve Ways to Increase Profits with Vesto:

  1. Earn Higher Yields From Multiple DeFi Investment Opportunities:

    Vesto has partnered with Element Finance and Yearn Finance to deliver an industry-first portfolio of easy to use DeFi products specifically designed to meet a wide range of risk tolerances and yield expectations. Vesto’s user-friendly interfaces and robust protocol make it easy for its clients and users to access Vesto’s DeFi options. Each of these options operate automatically, without requiring users to monitor constantly changing DeFi market opportunities, repeatedly reposition their asset allocations, or be experts in DeFi mechanics and strategies. Vesto’s DeFi partners’ protocols continuously assess yield opportunities from over a dozen different DeFi companies, assuring that Vesto’s clients always have access to the highest yields available utilizing the stablecoins they invested through Vesto.

    The high average gross annual percentage yield (APY) from these DeFi products has historically run in the range of 5% to 20% in good markets, but has recently run in the 3% to 12% range. These gross yields, and clients’ net yields, are significantly higher than the 0.25% to 0.50% yields available from today’s bank and certificate of deposit (CD) accounts. These high yields support a wide range of liquidity management use cases, including increasing earnings on a banks’ and businesses’ savings, treasury accounts and cash reserves, and earning more money on float and cash on hand (humorously called “dead fiat”). For example, hedge funds which historically risk principal in order to access higher yields from relatively short-term opportunities, can now simply deposit those assets into their Vesto vWallets and earn high yields while enjoying both liquidity and principal-preserving DeFi investments in over-collateralized debt instruments.

    Vesto plans to gradually expand its portfolio of automated DeFi products to serve an even wider array of risk and reward profiles, including other blockchains and cryptocurrencies and other DeFi partners, including permissioned liquidity pools such as Aave Arc. Clients can rest assured that Vesto’s team of banking and technology experts will make sure Vesto’s platform is always up to date, offering industry-leading DeFi options. For more information, read “Vesto to Offer Portfolio of DeFi Products for Traditional Financial Institutions and Businesses”, available at

  2. Enable Highly Efficient Money Transfer Options:

    Vesto’s fees for blockchain-based cryptocurrency transfers are a fraction of the fixed and variable fees for wire transfers, the 1% to 4% for processing bank checks and travelers’ checks, and the extra 1% to 3% for international transfers, and the global average of 7% for remittances. Vesto’s advantage is even greater for the currently unbanked and underbanked in that they typically incur even higher fees and greater risks. Also, transferring assets internationally with Vesto to countries where fiat currency on and off ramps have been developed significantly reduces the often-excessive interbank fees and Forex spread from currency conversion. These savings can accrue for both the transferring sender and the receiver, creating an incentive for both Vesto clients and their customers, affiliates, and vendors to onboard with Vesto and to do business with each other. This same efficiency applies to the use of Vesto for transferring assets from one business unit to another, to international affiliates, and to and from a company’s treasury accounts, yield-producing investment accounts, and payment accounts.

    The 1% to 2% or more in gross savings accruing to Vesto’s clients from each asset transfer quickly adds up to lower operating costs, allowing Vesto’s clients to reinvest that money in their businesses, lower their prices, or increase their profits. The savings for small businesses and individuals is typically even larger in that banks and money transfer organizations typically charge their smaller customers significantly more than the discounted rates given larger clients.

  3. Significantly Lower Transaction Fees:

    For retail organizations, Vesto’s fees for processing transactions are significantly lower than the 1.5% to 3.5% for credit card, debit card or bank check transactions, and lower than the EMV interchange rates of 1.25% to 2.5%. Vesto virtually eliminates EMV chargebacks and variable merchant service provider charges, as well as the extra 1% to 3% for international transactions. As mentioned above, as Vesto adds more international fiat currency on and off ramps to its platform, it will also significantly reduce the often-excessive interbank fees and Forex spread from currency conversions in those countries. Additionally, the savings from lower transaction fees can accrue to both sides of transactions, creating incentives for both retailers and customers. Vesto’s platform also enables a wide range of near field communication (NFC) and other efficient electronic payment methodologies using smartphones and tablets, and other quick payment systems and transaction technologies. In addition, consumers who forgo using charge cards will save annual and other hidden fees typically associated with carrying charge cards.

    The potential synergy between lower transaction fees, near-instantaneous technology-enabled payment systems, and high DeFi yields on cash flow can also create opportunities for cellular networks, smartphone vendors, and Fintech or other distributed technology companies to work together to create innovative incentives to grow their user bases and expand their collective markets. Increased revenues from these lower transaction fees can, of course, be used to reinvest in the business, lower prices, fund new partnerships, or increase profits.

  4. Increase the Financial Value of Time and Earnings from Float:

    Time is money. Recognizing this, financial institutions began creating the computer-based automated clearing house (ACH) in the late 1960s designed to rapidly process transactions and money transfers with low enough fees to encourage its use for low value payments. But that system is neither fast nor low cost by today’s near-instantaneous, 24/7 blockchain-enabled standards. Delays caused by banks’ varying batch processing and transfer packaging practices, different evening and weekend processing practices, interbank and international delays, and the receiving institution’s delays in making assets available for actual use on the recipient’s ledger, can result in days of transition time. In the meantime, the financial institutions involved are making money on the float and fees, while the sender’s and receiver’s funds are “locked-up,” causing them to incur multiple opportunity costs, including lost access to funds, lost yield on float, lost cash flow and lost opportunity to deploy these funds.

    Transferring funds from one Vesto vWallet to another vWallet takes only milliseconds, meaning the recipient of this transfer has almost immediate access to those funds for their intended uses. The real-time nature of Vesto’s asset transfers is in contrast to the 1 to 5 days delay in access to funds for domestic and international wire transfers, 5 to 7 days delay for credit cards, 10 – 30 days delay with domestic and international checks, and the ever-present delays due to the number of intermediaries involved, weekends, holidays and currency conversions. Faster transaction speeds mean greater time to earn high DeFi yields on float, both because of having faster access to incoming funds, and from being able to hold onto assets longer before forwarding them to pay bills when due.

    Up to now, the only limitations on the time required for transferring funds on blockchain has been the time it takes for a bank or financial institution to onramp fiat currency as digital currency, or to offramp digital currency from Vesto as fiat currency. Much of that delay is the time it takes for these institutions to be confident that the liquid assets required to support the transfer have been received. However, Vesto has created a customized application that allows its B2B clients to pre-fund enough liquidity to cover their users’ anticipated transfers. By assuring the liquidity is in place to front-load transfers, the typical bank transfer delays when using fiat currency caused by waiting for confirmation of funds transferred are eliminated. This Vesto application, utilizing Plaid to make ACH transfers, can enable instant transfers from any bank or credit union in the US. Similar applications are in development for use in other countries.

  5. Expand Profits and Opportunities with Vesto’s Multi-Chain Capability:

    Ethereum was the first widely used blockchain to support smart contracts and DeFi applications, and a large percentage of applications, altcoins and stablecoins operate on Ethereum and utilize its cryptocurrency, Ether (ETH). Every action taken on Ethereum represents an ETH transaction and incurs fees. These are referred to as “gas fees,” as in the gas that powers decentralized applications. During times of high network activity, gas fees tend to go up. It can cost $10 or $20 worth of ETH to make a simple transaction; but often it costs more, and occasionally it can cost hundreds of dollars to deploy a single contract. That might not matter for institutional investors moving tens of thousands of dollars into and out of DeFi applications at a time, but it's excessively high for smaller transactions. In addition, the network congestion that drives up fees can also add substantial time to complete an asset transfer.

    Vesto utilizes Ethereum as a Level 1 (L1) blockchain, but it provides significant savings to its clients by bridging to the much more efficient Level 2 (L2) blockchain, Polygon, for many of its transactions and asset transfers. Unlike Ethereum’s current Proof of Work (POW) process, Polygon’s Proof of Stake (POS) process is much faster, less energy intensive, more environmentally friendly, and incurs significantly lower gas fees. This also allows for more predictability in fees charged, with less variation in cost or speed by time of day or network volume. As a multi-chain enabled protocol, Vesto also has the ability to integrate with other more efficient L1 blockchains such as Solana, and to migrate to Ethereum 2 when fully operational and in wide use. Vesto also has the flexibility to bridge to other L2 blockchains such as Optimism and Aztec when clients’ needs or opportunities warrant.

    This multi-chain flexibility and interoperability allows Vesto’s clients a wider array of DeFi yield generating opportunities than possible with Vesto’s competitors, while enabling new capabilities and accessibility, a wider variety of potential new customers, markets and partners, and more vendor and pricing choices for needed goods and services. The result is higher potential profits, lower costs, more flexibility, faster transactions, and larger markets. This versatility is why we say “Vesto is architected for the future.”

  6. Expand Profits and Efficiencies with Vesto’s Multi-Token Capability:

    Vesto is architected to onboard a variable list of fiat currencies and digital currencies, including ETH and all ERC-20 compliant currencies (e.g. WBTC, USDC, DAI, etc.). Clients and users can onboard fiat currencies through Vesto’s bank and financial service company clients and partners, or through our partner FinClusive. These licensed entities can then convert non-US fiat currency to USDs, and our partner Circle converts these USDs to USDC, a stablecoin pegged to the value of the USD. Vesto immediately puts these USDC tokens to work generating yield in one of Vesto’s DeFi partner’s protocols on Ethereum. At the same time, Vesto mints corresponding wrapped or receipt tokens, called Vesto’s vTokens, on Polygon. This two-token strategy allows Vesto’s clients to earn potentially high DeFi yields on their underlying assets, while also generating yield and facilitating fast and efficient transactions using their vTokens on Polygon. Vesto uses Polygon and vTokens for most cross-vWallet transfers, and for digital transactions whenever possible. As stated above, this approach significantly reduces gas and other fees, enables significantly faster transmissions and quicker access to funds, and is more energy efficient than our competitors, who typically execute all their clients‘ transactions on Ethereum. As discussed below, Vesto can also onboard any ERC-721 and ERC-1155 compliant non-fungible tokens (NFTs) and can mint and store those NFT tokens on Polygon.

    This multi-token flexibility and versatility enables Vesto to gradually expand the range of fiat currencies and cryptocurrencies it can onboard and process, including other crypto and altcoins, stablecoins, central bank digital currencies (CBDCs), and securitized tokens issued by financial institutions. This includes the future ability to utilize tokens other than USDC for deployment in DeFi protocols. Vesto’s protocol has the flexibility to enable the growing value of vTokens in clients’ vWallets, backed by the growing value of their underlying assets, to be leveraged through arbitrage arrangements to generate additional yield.

    Potential clients can be assured that regardless of what fiat- or crypto- currencies or tokens might be required in their future use cases, be it BTCs, Euro-backed stablecoins, fiat currencies from other countries, sovereign country-backed CBDCs, securitized tokens from financial institutions, or any other accepted digital coin or token, Vesto is architected to support their needs. Vesto’s multi-token strategy enables maximum flexibility and multiple potential layers of profit and efficiency.

  7. Profit from Currency Hedging and Decoupling from Troubled Economies:

    Vesto clients in countries with more volatile fiat currency can convert that currency to USD-based stablecoins with Vesto. This not only provides a hedge against the decreasing purchasing value of volatile fiat currencies, but it also provides access to earning high DeFi yields on those assets while held in clients’ Vesto accounts. Clients will also find that internationally accepted stablecoins give them increased buying power when compared to less widely accepted fiat or cryptocurrency assets of similar nominal value. International businesses and investors can actively use this currency hedging strategy to protect assets held in troubled or financially volatile markets, by moving assets into more attractive markets, currencies or investment opportunities. Vesto is in discussion with multiple potential clients where currency hedging is an important benefit, and is working to add partners and banking clients who can serve as local on- and off-ramps for fiat currencies in various markets around the world. For companies in the 15 countries with greater than 20% inflation rate, hedging with USDC through Vesto would be a no-brainer.

    For companies in other countries, Vesto’s currency hedging power serves as a valuable side benefit. For example, one Vesto client plans to use Vesto’s platform to offer low-cost remittance services and affordable financial services to low income individuals through a web and smart phone-based banking, money transfer and remittance service. Their initial target markets are remittances from the US to Mexico and Brazil, the two largest economies in Latin America, and affordable blockchain-enabled financial services to their users in these countries. Brazil’s March 2022 inflation rate was the highest in 28 years for that month, and its 12-month rate through March was 11.3%. Mexico’s annual inflation rate is at a 21-year high, and consumer prices in Mexico rose 7.45% in the year through March 2022. So, the opportunity to hedge against high inflation rates and earn high DeFi yields on those assets is an attractive added value and incentive for user growth.

    As mentioned in #6 above, Vesto plans to gradually expand this hedging capability to include a broader range of fiat currencies, cryptocurrencies, stablecoins, central bank digital currencies and securitized tokens issued by financial institutions. So, if a client needs to onboard a fiat currency not currently served by Vesto, our protocol is flexible enough to add that fiat currency, either directly or through a partner.

  8. Tokenize with NFTs to Increase Marketability and Value of Non-Liquid Assets:

    Non-fungible tokens (NFTs) enable otherwise non-liquid assets to be marketed, bought, sold, stored, and transferred electronically throughout the world on blockchains. Vesto’s innovative NFT protocol makes it the preferred, low-cost choice for minting, storing, and transferring NFTs due to its multi-chain, multi-token architecture. The current dominant NFT marketplace resides on the Ethereum blockchain where it can cost $50.00 or more per contract to mint an NFT, and that much or more for subsequent NFT transactions. This makes it almost prohibitively expensive for many artists to mint and auction a portfolio or series of their art pieces as NFTs, especially if not broadly known or followed. Younger artists often must virtually give away their art at first in order to gain recognition and start building the value of their work. But the idea of dropping hundreds of free crypto monkeys into the NFT marketplace at $50.00 in gas fees per NFT is a non-starter. Vesto’s protocol is the best option for younger or lesser-known artists to enter this market because it can mint NFTs quickly and for pennies on Polygon, and can inexpensively store and transfer NFTs through clients’ and users’ vWallets. When an artist's work starts commanding larger fees, or when the artist wants to selectively promote and sell individual pieces on auction, Vesto’s protocol can execute a simple cross-chain transfer of clients’ or users’ chosen NFTs to the Ethereum NFT marketplace for auction. The higher prices those individual NFTs command in that transaction will have the effect of elevating the value of all that artist's NFTs that are efficiently stored on Polygon for later sale.

    Vesto is also the preferred, low-cost choice for minting, storing, and transferring NFTs that are not art pieces or not expected to appreciate significantly, such as NFTs for an ordinary sporting event, theater performance, or a personal service. It is not cost-effective to process such NFTs on Ethereum. But Vesto’s efficient minting, storing and transferring process on Polygon opens up a whole range of new opportunities and possible use cases, including NFTs for contest prizes, tickets for use as employee or customer incentives or other efficient closed-loop NFT micro-transactions.

    Vesto’s NFT contracts are also uniquely architected to support not only an artist’s original royalty payment on an NFT’s sale in the open marketplace, but also to support an artist’s royalty payment on subsequent resales of that art on the secondary market. This is critically important to most artists who, for example, might currently collect a 15% royalty on an NFT that initially sells for $100, but nothing on the sale of that piece on the secondary market after it has appreciated, for example, to $10,000. This capability makes Vesto not only the protocol of choice for younger artists, but the protocol of choice for those artists whose body of NFT work has appreciated, or may soon appreciate, significantly.

    One company planning to implement Vesto’s protocol, for example, represents Mexican artists who wish to sell their art as NFTs. But most are unknown outside of Mexico and some are promising young artists only known in their hometown. Working with Vesto, the company will efficiently mint and store these artists’ NFTs in that company’s vWallet on Polygon, and it will gradually introduce these NFTs on Ethereum-based NFT outlets to build market recognition and value within Mexico and beyond. All the while, Vesto’s protocol keeps track of the artists for each NFT and the royalties they are due.

    The NFT marketplace is rapidly evolving. But Vesto clients can rest assured that Vesto is designed for this future as well. Vesto’s multi-chain capability means that if Solana, Algorand, Ethereum 2, or some other more efficient blockchain than Ethereum becomes the dominant NFT marketplace, Vesto’s cross-bridge transactions will still work just as well as they do between Polygon and Ethereum.

    Vesto’s NFT protocol is also flexible and versatile enough to gradually support a growing array of currently non-liquid assets, including real estate, mining rights, medical services, medical records and more. And our multi-token, multi-chain capabilities will allow us to integrate with other new and inventive partners and enable expansion into an even wider array of use cases. This is just another reason we say: “Vesto minimizes the risk of obsolescence.”

  9. Modernize Brand Name and Expand its Scale and Reach:

    Vesto’s white labeling, customizing, and partnering capabilities allows clients to bring a branded product from concept to market within 1 to 4 months, depending on the level of customization required. Clients typically need no new infrastructure, and little to no new capital expenditures, new systems capabilities, or expanded IT staffing for a Vesto’s basic deployment using its secure cloud-based environment. This allows Vesto’s clients to quickly and significantly expand their brand’s reach and take advantage of new opportunities, both in the scope of their services, the scale of their operations, and in their geographic coverage. Adding Vesto’s cryptocurrency, blockchain transaction and DeFi services to one’s corporate capabilities makes a clear statement: you are well positioned for the future.

    For example, by licensing Vesto, a regional US point-of-sale payments company is able to offer a faster and more efficient alternative to debit and credit card payments. The company places sales tablets with Vesto-powered point-of-sale payment apps in participating storefronts and their customers can pay through a Vesto-powered mobile phone app using vUSDC or vDAI. The point of sale system has an Off- and On-ramp for Fiat Services via ACH and SWIFT. FinClusive and Vesto’s partner ecosystem provides retail banking and cash in-transit management. By transmitting payments through their Vesto vWallet, the company is also able to make higher DeFi earnings on their account balance and float, and participating storefronts can also earn high DeFi yields on the assets in their vWallets. In short, Vesto not only increases the sources of revenue and profit for this payment processing company, it allows them to share these benefits as an incentive for user growth and rebrand their company as a technology leader.

  10. Support New Products, Services and Subsidiaries:

    Vesto’s clients and partners, including other FinTech and cryptocurrency companies, can build new products and services on top of Vesto’s platform, multiplying Vesto’s impact on their potential revenue, opportunities, relationships, and potentially even allowing for the development of new subsidiaries, joint ventures or independent companies. Vesto virtually eliminates the significant time and expense, and the trouble finding experienced staff, that would be required for such companies to come close to duplicating Vesto’s baseline capabilities, allowing them to focus instead on creating new and unique competitive use cases. This could include traditional companies not currently into crypto that would benefit from adding Vesto’s capabilities to their existing product lines or from adding new lines of businesses.

    For example, traditional banks have generally found it financially disadvantageous to develop services for the unbanked and underbanked who typically have very low incomes. But with Vesto, those same banks could create highly efficient mobile banking products utilizing smart phone and e-commerce technology, enabling an entirely new, efficient and profitable line of business serving this underserved population. This would also enable expansion to other complementary lines of business such as the safe and secure electronic processing of state provided support and welfare payments to this population. In short, with Vesto, not only can banks add new cutting-edge products and services, they can also serve their local communities’ societal goals of making financial services accessible and government services efficient.

    Other blockchain and technology companies can also benefit from adding specific Vesto enterprise-ready technologies or capabilities to fill gaps in their existing crypto products and services. For example, Vesto’s secure multi-sig vWallet, our cross-chain, multi-token technology, and our highly efficient NFT minting and storing capability on Polygon could significantly enhance the services offered by a company that currently offers only a single point DeFi or NFT solution.

    Vesto envisions opening up its protocol for integration with other DeFi protocols and for use by other developers, facilitating an even wider range of other possible use cases and further expanding its support for innovative new products, services and business entities. There’s no limit to the ways clients, users and partners can increase profits and improve efficiency with Vesto.

  11. Open Up Regional and World-Wide Markets:

    Cryptocurrency is used world-wide, but the percentage of the population owning and trading crypto varies widely by country. Africa’s largest economy, Nigeria, tops the list with 32% — nearly 1 in 3 — reporting that they have used or owned one type of crypto or another in 2020. By comparison, just 6% of Americans reported the same. Switzerland ran almost double the US rate at 11%. Peru, Turkey, the Philippines and Vietnam reported almost, or just over, triple the US rate, running 16% to 21%. The reasons for these different levels of crypto usage vary, but Vesto provides its clients a gateway to the entire world of cryptocurrency usage, blockchain transactions and DeFi opportunities. That means any Vesto client, whether a medium sized manufacturer in Kansas City, a talented artist in Mexico City, an investment manager in Munich, or a Fintech company in Norway, can utilize Vesto to transition from a local or national marketplace where there is only limited opportunity or use of cryptocurrency, to a regional or worldwide marketplace with unlimited opportunity and ready crypto-savvy customers and businesses. In short, Vesto’s platform enables fast and efficient financial transactions with customers, wherever they are, globally.

    Vesto’s technology, mobile apps and DeFi can, for example, help companies quickly enter into, and expand, mobile money services in their own country of origin and internationally. A Vesto client based in the United Arab Emirates (UAE) plans to do just that. They currently transfer a significant volume of remittance payments from workers in the UAE to their homes in Bangladesh, India and the Philippines. Using Vesto’s technology and partnerships with cellular networks, they plan to expand their products and services to include broader mobile money applications such as mobile purchasing and payment services, money transfer services, and other micro and macro e-transactions. Their initial focus will be expanding services to their current customer base and retail sites; while also gradually expanding their full range of mobile money products and services to other countries in the area and beyond.

  12. Lower Costs with Operational Efficiencies and Scalability:

    Vesto utilizes Amazon’s AWS Cloud to assure our clients’ and users’ off-chain interactions through Vesto are accessible, efficient and scalable. But making on-chain transactions consistently efficient and scalable on Ethereum has historically been problematic for crypto and DeFi companies. As mentioned above, every transaction on Ethereum, no matter how small, generates gas fees which can vary throughout the day depending on transaction volume and other factors. In addition, during times of high volume, Ethereum can become congested and there can be significant delays in executing transactions. Vesto addresses this problem by batching clients’ deposits and transactions on Ethereum; for example, by packaging 50 transactions with an average value of 100 USDC each into a single transaction of 5,000 USDC. Vesto’s architectural components vLighthouse and vFactory provide visibility and control across these processes, keeping track of each client’s and user’s individual underlying assets and DeFi investments. Vesto’s architectural components vToken, vSwap and vBridge manage the minting and control of clients’ vTokens which mirror the value of each client’s and user’s underlying assets in DeFi and their individual yields, and deposit these vTokens into their individual vWallets on Polygon. As previously discussed, this multi-chain, multi-token approach makes Vesto much more operationally efficient and, when combined with this batching process, makes Vesto even that much more efficient and scalable than our competitors. For more information on these components, read “Introducing Vesto and its Technology” available at This batch transferring and payload packaging process can be utilized both when moving multiple clients’ and users’ assets into DeFi protocols, and when moving them out of these protocols. The resulting operational efficiency and scalability creates value for our clients in multiple ways, and its lower costs are reflected in our competitive pricing.

Putting it All Together For You:

Current and potential Vesto clients vary widely, but all can benefit from one or more of these twelve separate, but often overlapping, ways to increase profits or operational efficiency. The potential use cases for Vesto’s platform are limited only by the imagination of the intrapreneurs and entrepreneurs interested in helping their company take advantage of the many benefits of using crypto, blockchain technology and DeFi. For example, in addition to the current use cases discussed above, others being developed include: A large brokerage company in Mexico initially plans to use Vesto primarily to maximize its treasury function earnings, but plans to expand its use cases over time to support its over-the-counter (OTC) brokerage services. A large financial services company in the US plans to use Vesto’s multi-token capabilities to issue securitized tokens backed by their substantial mutual fund assets and introduce those SEC registered tokens into the DeFi marketplace through Vesto and its integrated DeFi partners. A large employer is considering a human resources use case for Vesto, allowing their employees to have their pay deposited directly into their individual vWallets.

Vesto is in conversations with other companies and industry groups about use cases that take advantage of Vesto’s twelve ways of increasing profits and expanding business opportunities in other new ways. And Vesto’s customized applications developed for each new client expands Vesto’s ready-to-deploy service capabilities potentially available to all its other clients. To learn more about how Vesto could work with your company, contact us and tell us about your and your companies’ needs at We look forward to helping your organization be a winner in the expanding world of cryptocurrency, blockchain transactions, and DeFi.

Note: This article contains descriptions, predictions, estimates and other information that might be considered forward-looking. While these forward-looking statements represent our current opinions, plans and best judgments at the time this article was written, they are subject to risks, uncertainties and potential changes that could cause actual results to differ materially. Vesto reserves the right to periodically update this information and issue new or revised publications on these topics over time.
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