About Vaultstone

Banking Built on
Conviction

Founded in 1998 by former Goldman Sachs executives with a singular belief: every individual and business deserves access to the same institutional tools once reserved for the ultra-wealthy.

Our Mission

We Believe Finance Should Serve People

For too long, institutional-quality financial services were gated behind minimum balances and private client thresholds. Vaultstone was built to dismantle that gate — permanently.

Today, with $48B AUM, 2.4 million clients, and operations in 147 countries, we remain privately held and obsessively focused on one metric: client outcomes. Not quarterly earnings. Not shareholder returns. Client outcomes.

25+
Years of excellence
AA+
S&P / Moody's rating
$0
Client funds lost to fraud
4.9★
180K+ client reviews
What Drives Us

Four Pillars of Vaultstone

Client-First, Always
Every product decision, every policy, every line of code is evaluated through a single lens: does this make our clients financially stronger? If the answer isn't an unambiguous yes, we don't ship it.
Radical Transparency
No hidden fees. No confusing fine print. No conflicts of interest. We earn revenue when our clients earn returns — full stop. Our fee structures are published, plain-English, and audited annually.
Engineering Excellence
We invest 22% of revenue in R&D — 3x the industry average. Our infrastructure runs at 99.99% uptime, and our security posture is continuously validated by external red-team exercises.
Global Inclusion
Whether you're in Lagos, Lahore, or London, you deserve the same product quality and support. We localize for 87 languages, offer 34 currency accounts, and hire locally in every major region we serve.
Our History

25 Years of Milestones

1998
Founded in New York
James Hartwell and Elena Voss leave Goldman Sachs to found Vaultstone with $12M in seed capital and a charter from the OCC.
98
03
2003
First $1B in AUM
Reached $1B in assets under management ahead of schedule, driven by word-of-mouth growth among high-net-worth individuals.
2008
Through the Financial Crisis
While competitors collapsed, Vaultstone's conservative risk framework preserved 100% of client assets. Zero client losses. Zero government bailouts.
08
14
2014
Launched Digital Platform
Pioneered the shift to mobile-first banking with full-featured iOS and Android apps, 18 months before major incumbents.
2018
Global Expansion
Opened London, Singapore, and Dubai offices. Received FCA authorization in the UK and MAS licensing in Singapore.
18
22
2022
$40B AUM Milestone
Crossed $40B in assets under management. Launched AI-powered financial insights and real-time global payment rails.
Today
$48B & 2.4M Clients
Serving 2.4 million individuals and businesses across 147 countries. Still privately held. Still debt-free. Still obsessively client-first.
26
Leadership

The Team Behind Vaultstone

Seasoned executives from Goldman Sachs, JPMorgan, Google, and the world's leading regulatory bodies.

JH
James Hartwell
Co-Founder & CEO
Former Managing Director at Goldman Sachs. Harvard MBA. Named to Forbes Fintech 50 for six consecutive years.
EV
Elena Voss
Co-Founder & President
Former Head of Risk at JPMorgan Chase. MIT Sloan MBA. Architect of Vaultstone's zero-loss risk framework.
MK
Michael Kang
Chief Technology Officer
Ex-VP Engineering at Stripe. Stanford CS PhD. Led the architecture of Vaultstone's real-time payment rails and security infrastructure.
SC
Sophia Chen
Chief Financial Officer
Former Global CFO at BlackRock Asset Management. Maintained Vaultstone's AA+ credit rating through three rate cycles.
OB
Oluwaseun Balogun
Chief Risk Officer
Former Head of Compliance, EMEA at Citibank. LLM in Financial Regulation from London School of Economics.
PL
Priya Lakshmi
Chief Product Officer
Built consumer products at Google Pay and Apple Wallet. Named one of Fortune's Most Powerful Women in Business 2024.
Press & Media

What the World Is Saying

The Wall Street Journal
"Vaultstone has quietly become the most trusted name in digital banking for high-net-worth clients — and it's doing so without the venture-fueled recklessness of its competitors."
March 2025
Financial Times
"In an industry rocked by bank failures and crypto chaos, Vaultstone's 27-year streak of zero client losses stands as a singular achievement."
January 2025
Forbes
"The platform's AI analytics put Vaultstone in a category of one — it's the only institution where personal banking genuinely feels like having a private wealth manager."
October 2024
Press Inquiries
ESG & Sustainability

Banking That Gives Back

Carbon-neutral since 2021. $200M committed to emerging-market financial inclusion. 1% of annual profits donated to financial literacy programs globally.

  • Net-zero emissions certified by EY
  • Board gender parity achieved in 2022
  • TCFD-aligned climate risk disclosures since 2020
Investor Relations

Privately Held, Debt-Free

Vaultstone has never taken on debt or sold equity since its founding round. Our capital ratios exceed Basel III requirements by 2.8x. We grow from operating cash flow, not leverage.

  • Tier 1 Capital Ratio: 18.4% (min. 6%)
  • Audited annually by PricewaterhouseCoopers
  • Annual Report available to all clients

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