
Space and Time Foundation introduced Virtual Vaults, a platform enabling secure, auditable onchain lending for institutions. The system supports direct lending with verified borrower data, negotiated terms, and continuous collateral monitoring across DeFi and centralized venues. It aims to provide a trusted framework for lenders and borrowers before capital moves, targeting banks, asset managers, and brokers as regulatory clarity improves. Virtual Vaults are chain-agnostic and customizable for each lending agreement's needs.