The investment product offered by the clients, represented by the VB-token, combines features that are rarely found in one tool in the financial markets, being thus a structured product - first, it has the features of fixed income instruments, because it is designed to provide quarterly dividend payments, and a more or less acceptable level of risk to customers, in addition to diversifying the portfolio of ABS, provides cooperation with PFSC (Portfolio Financial Servicing Corporation), which will take over BOJ obligation to collect credit receipts and the direction of their desired company (Vaultbank) in case the primary lenders (originators) can not cope with this task; secondly, having stability, theoretically (!) comparable to fixed-income, due to the statistical techniques used by the partner Vaultbank (Random Forest Capital) for the compilation and management of the investment portfolio, based on machine learning (ML) and artificial intelligence (AI ), this portfolio is able to show the superannuation at 8-11% per annum on a non-armbase basis relative to its risk category, The quantitative approach allows to optimally balance the low-risk and high-risk ABS in the portfolio; Thirdly, the credit line (leverage credit line), which plays the role of the shoulder, provides an even greater ROE of investments, which, combined with the reinvestment strategy of portfolio returns, allows the portfolio to be expanded at an accelerated pace, thereby allowing for a fixed token offering, growth of its internal and actual cost. Thus, the token gives its owners the opportunity to win not only from dividends, but also from the upside in the face of capital growth. An additional advantage here is also the fact that Vaultbank will always reserve a certain number of funds for maintaining the token rate. In addition, given the listing of VB on its own site called Orderbook, the company will also monitor the liquidity of the instrument - in particular, due to the weakened regime of handling the token, it is possible to organize the marketing of the instrument in the media, which could potentially affect its recognition and, liquidity. In addition, the divisibility of the tool resulting from the block-based nature of the token also automatically makes it accessible to a wider range of investors, unlike the traditional securities market with its lots. However, if Vaultbank's investment products represent at least some interest for potential customers, although there are a lot of traditional analogues in the face of the same ETFs on MBS, then with retail products (debit cards) and payment solutions, things are somewhat worse - they are interesting conceptually: free opening and maintenance of cards, dumping commissions for transactions, multicurrency, support for crypto-currency purses, i.e. the ability to pay tokens and crypto-currencies for standard purchases, various bonuses, albeit shifted towards high-end services like hotels and restaurants - however, the sphere of payments and retail products are currently very competitive, characterized by low barriers to entry to the market: in addition, This market contains solutions whose authors went much further - for example, they abolished not only the service fee, but also for transactions, and also allowed to integrate accounts from different banks in one card (Kevin).