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| In 2025, the richest don’t store money in banks—they engineer systems that don’t need banks at all. |
Why HNWIs Are Replacing Bank Accounts with Private Vault Networks
In 2025, private wealth is no longer stored in banks.
For many High-Net-Worth Individuals (HNWIs), the traditional banking system has become a liability: overregulated, overexposed, and far too easy for authorities to track. As global reporting requirements like CRS and FATCA expand, the ultra-wealthy are shifting to something quieter—Private Vault Networks (PVNs).
What are PVNs? They're hybrid structures combining physical vaults (in high-security zones like Zurich, Liechtenstein, and Dubai) with anonymous holding trusts and decentralized digital access. These setups eliminate the need for formal bank accounts, while still allowing secure, liquid access to multi-asset storage—including precious metals, digital keys, bearer shares, and even hard crypto wallets.
Tools like Wise are still used—but only for temporary flows or conversions, not storage. For legal entities, services like StartGlobal offer the infrastructure to register asset-holding vehicles in favorable jurisdictions.
Want full privacy? Executives often layer this with payroll masking tools like Deel, and outsource trust setup via Fiverr for nominee directors and virtual address provisioning.
The future of private finance isn't banking—it's engineered invisibility.