Space and Time Launches Virtual Vaults to Power Institutional Onchain Lending
Miami, Florida, May 5th, 2026, Chainwire
Virtual Vaults gives institutional lenders the secure, verifiable foundation to deploy capital onchain
Space and Time, the data blockchain securing onchain finance, today launched Virtual Vaults, a vault platform purpose-built for institutional lending. Lenders and borrowers can launch vaults configured to their specific agreement, with cryptographically verified, continuously updated visibility into borrower collateral across the centralized exchanges and DeFi protocols where it actually sits.
Institutional borrowers in digital asset markets typically deploy collateral across dozens of venues simultaneously, with positions shifting hourly as trades open and close. By the time a quarterly auditor’s report or a point-in-time attestation reaches the lender, the underlying positions have already moved. Virtual Vaults replace those snapshots with cryptographically verified data that updates continuously as the borrower’s positions move across venues, both before capital is extended and throughout the life of the loan.
Each vault is configured to the specific terms of its lending agreement: which venues to monitor, which assets qualify as eligible collateral and what thresholds trigger alerts. Lenders query verified data structured around their covenants rather than accepting a generic solvency attestation.
“We built Space and Time so both institutions and onchain protocols could verify the data they act on, and Virtual Vaults are the clearest expression of that yet. Institutional lenders need to see exactly what collateral backs a loan, exactly when they need to see it. Virtual Vaults make that possible onchain for the first time,” said Nate Holiday, co-founder of Space and Time and CEO of MakeInfinite Labs.
The launch arrives as stablecoin legislation in the U.S. and the implementation of MiCA in Europe establish the compliance frameworks institutions have been waiting for before engaging with onchain finance at scale. Virtual Vaults are available now. Learn more: https://www.spaceandtime.io/virtual-vaults.
About Space and Time
Space and Time is the data blockchain securing onchain finance. Backed by M12, Microsoft’s Venture Fund, Space and Time connects real-world data to onchain systems to power tokenized assets, stablecoins, institutional markets and DeFi.
Website | X | Discord | Telegram | LinkedIn | YouTube | Instagram | TikTok
For media inquiries, please contact: marketing@spaceandtime.io
About MakeInfinite Labs
MakeInfinite Labs is a frontier protocol research lab contributing to some of the most prominent protocols and ecosystems across crypto, including the creation of Space and Time. MakeInfinite Labs raised $50 million from M12, Microsoft’s Venture Fund, and other leading investors to build the infrastructure that enables developers and creators to build data-driven applications, tokenize and monetize, and win in the AI economy.