For custodial apps and exchanges
Prove your reserves cover every customer.
Show that your reserves cover the balances you hold for customers, and let each customer confirm their own was counted, without publishing a list of balances.
Customer check · example
Northway Custody · USDC
Ledger 3,411,902
Your balance was counted
CountedThe reserves behind this total covered it at the same ledger. No other customer is named; the path shows unnamed subtotals, including one neighbouring balance.
In a pilot, and in the holder step of the demo, this check runs against the contract on Stellar with verify_inclusion.
ExampleLedger 3,411,902Lookup simulated on this page
What leaves your systems
You publish one commitment, never a balance.
Each proof commits your customer balances as one value and shows that the total behind it is covered. The commitment, the totals and the result are public. The list itself never is. Today Solva holds the list and passes it to its prover over a private connection.
Stays with you
Never published
Each customer's balance
Seen by: That customer, through their own check
Customer names and account references
Seen by: Only your company
The list of balances behind the commitment
Seen by: Only your company
Public on the record
Free for anyone to read
The total you owe customers
Seen by: Everyone
Reserves held for the asset
Seen by: Everyone
Covered, short or stale, with the percentage (coming soon)
Seen by: Everyone
The Stellar ledger each proof is tied to
Seen by: Everyone
ExampleNorthway Custody · USDCLedger 3,411,902
Alongside your auditor
A monthly attestation, and a record every day.
Many custodial apps publish a monthly attestation. Keep it. This is what changes, counted for one asset over one year, once a record also lands every day. Daily publishing is coming soon.
| Fact | Monthly PDF attestation | Daily coverage record |
|---|---|---|
| Documents per year | 12 | 365 |
| Days stale at worst | 30 to 90 | 1 |
| Who can check | Those it is sent to | Anyone |
| Cost to read | A request and a wait | Free |
| Tied to a Stellar ledger | No | Every result |
Counted for one asset over one yearExample
Readers
Who reads it, and what they see.
Your customers
A page in your app, or a link from it, where each customer can see that their balance was counted and that the total was covered. A ready-made customer page is coming soon.
Wallets and lending pools
Partners read your verified totals from Stellar for free, without asking you for a report. Covered, short and stale verdicts for them to act on are coming soon.
Auditors
A dated result for every proof, each tied to a ledger, including the totals your customers check against: evidence to check between audits. A daily CSV export is coming soon.
ExampleNorthway Custody · USDC3 hours ago
Questions
Questions custodial apps ask
For anything else, ask us directly, and a person will reply within one working day.
Do you publish our customers' balances?
No. Solva publishes the total you owe customers, your reserve balance and the result. No customer is named and no list of balances is published. A customer's own check shows unnamed subtotals, including one neighbouring balance.
What does a customer need to run the check?
Their account reference, which you already show them in your app. The check tells them that their balance was counted and which total it is part of.
What if a customer's balance is missing?
The check says so plainly, and the customer can raise it with you. Catching a missing balance is the whole reason the check exists.
How many customers can one proof cover?
Every customer you hold the asset for. Each balance in the list is counted, none can be dropped once the list is committed, and each customer can check their own. On Testnet today a proof takes up to 8 balances and 4 reserve figures; full-size proofs are coming soon.
What does our auditor get?
A dated result for every proof, each tied to a Stellar ledger, including the totals your customers check against: evidence to check between audits. Daily history and a CSV export are coming soon.
What does it cost?
Reading is free for everyone. Verifying a result costs about 0.012 XLM in Stellar network fees. Pilot terms are agreed with each institution before the first proof.
For custodial apps
Prove it to every customer.
Tell us which assets you hold for customers and we will plan a pilot around them, with the customer check built in from day one.
For readers
Read a record.
See what a holder, a wallet, a lending pool or an auditor sees, and how one record answers the question each of them asks.