VELTA DeFi/RealFi

“We reviewed over 100 DeFi lending platforms, and none allow borrowing beyond 2 years.” Investors, companies, and individuals all hit an invisible ceiling. Most loans today last only minutes or a few months, designed primarily for traders. Even Centrifuge, with its 2-year loans backed by tokenized real-world assets (RWA), only scratches the surface (centrifuge). The global long-term lending market exceeds $16 trillion, yet the total value locked in DeFi loans sits at roughly $85.6 billion (DeFiLlama). Capturing just 1% of this market would represent $161 billion in potential. With Velta DeFi, borrowing for up to 25 years becomes possible, securely, transparently, and fully compliant with regulations like MiCA. This opens the door to long-term financing for real estate and corporate projects, areas where traditional DeFi solutions simply can’t reach. Long-term lending in DeFi is no longer theoretical. With Velta DeFi, it’s real. #DeFi #VeltaDeFi #LongTermLoans #RWA #MiCA #FinancialInnovation #notaRWA #VTA

🔹 Innovation and Regulation: An Essential Dialogue In the context of the ongoing structuring of the crypto-asset market in Europe, Velta has undertaken a proactive approach with the Autorité des Marchés Financiers (AMF) to seek clarification on the application of the MiCA regulation to its innovative process currently under development. Following this initiative, the AMF proposed holding a meeting on Monday, February 23, 2026, bringing together members of AMF Innovation, Henri Capelle, Legal Director of Velta, and Vincent Kem PHETSOMPHOU, President of Velta. This highly constructive exchange enabled Velta to refine its understanding of the various categories of crypto-assets defined under MiCA, while fully respecting the principles of neutrality and professional discretion upheld by regulatory authorities. Beyond regulatory considerations, this meeting highlights the importance of a transparent and demanding dialogue between innovative actors and regulators. Velta welcomes the AMF’s constructive approach and openness to complex and emerging technological topics. We are also pleased to observe that the French financial regulator is actively supporting native Web3 projects in France through an approach grounded in openness, active listening, and a clear understanding of innovation-related challenges. This dynamic now allows Velta to move forward with confidence, further strengthen its prototype, and evolve within a clearer regulatory framework, while maintaining the ability to engage with AMF Innovation teams when needed. We warmly thank the AMF for the quality of this exchange and for its commitment to fostering responsible innovation. #Innovation #CryptoAssets #MiCA #Fintech #Regulation #Blockchain #Web3 #DeFi #RealFi

Velta at the Crypto Nice Blockchain Afterwork on February 26 We are pleased to share that Velta will be present at the upcoming Blockchain Afterwork in Nice, hosted by Crypto Nice, on Thursday, February 26 at the Skybar, Hôtel Mercure. On this occasion, Vincent Kem, CEO of Velta, will attend the event to represent the company and engage with the local Web3 ecosystem. His presence reflects Velta’s commitment to building meaningful connections within key blockchain communities through selective and targeted engagements. This gathering brings together 30 to 40 professionals including tech experts, finance specialists, Web3 founders, and investors in an informal yet high quality networking environment designed to foster valuable exchanges. From 7:00 PM to 10:30 PM, discussions will focus on blockchain innovation, knowledge sharing, and collaboration, with a strong regional dynamic. The Crypto Nice community includes more than 80 Telegram members and benefits from the support of Cryptoast, France’s leading independent crypto media with 1.1 million monthly readers. Initiatives like this contribute to positioning Nice as an emerging hub connecting business stakeholders and Web3 innovation. Skybar, Hôtel Mercure, Nice, FRANCE Thursday, February 26 7:00 PM to 10:30 PM Info and registration: meetup.com/meetup-group-nhot… #velta #NiceMeetUp #DeFi

📢 Meetup Crypto à Nice – 29 janvier 2026 Vincent Kem sera présent au meetup crypto organisé par @CryptoastMedia, en tant que Président de Velta DeFi / RealFi. 👉 Échanges autour de la blockchain, crypto, Web3 👉 Discussions ouvertes & questions sur Velta 📍 Nice | 📅 29 janvier 2026 🔗 meetup.com/fr-FR/meetup-grou… #Crypto #Blockchain #Web3 #DeFi #RealFi #Velta #meetup #meetupNice #FrenchRivieraMeetup

Happy new year 2026 !

#velta $vta

Thank you so much 🙏 We really appreciate your words. It means a lot to see people recognizing that we’re pushing toward. Our community is our best voice 💯 and messages like yours are so encouraging 💫

Today !!! H-2h30 #ama #askmeanything

The top downloads of Velta App don’t come from traditional crypto hubs. Top 3 in the last 24h: 🇮🇩 Indonesia 38% 🇳🇬 Nigeria 15% 🇫🇮 Finland 7% The pattern is clear: 👉 The strongest traction comes from regions where long-term credit is limited, costly, or inaccessible, not from the usual Western markets. It’s a reminder that #RealFi grows where the need is real, not where the hype is loud. The future of credit will be built where banks don’t lend. #cryptocurrencies #indonesia #RealFi #VeltaApp #DeFi #cryptoloans

W E B M I N A I R E - LIVE Ce soir 21h00 UTC+2 Le VTA : Un potentiel illimité ? #webinairecrypto #ama #velta #vta #polygon #klever #binancechain #DeFi #SCPI

When the Lombard Loan Becomes a Driver of Freedom Lombard credit is freedom — with strings attached. You move forward, but your collateral can stop you cold at the first market shock. And every seven years, you’re asked to start all over again. 🔄 At VELTA, we decided to break that cycle. We created the KLAT — an anti-liquidation collateral, indexed to a basket of income-producing real estate assets (SCPI). The result: stable financing, up to 25 years, with no forced liquidation and no mandatory renewals. ⸻ 🌎 Case Study: Diego, Entrepreneur from Argentina 🇦🇷 In Buenos Aires, Diego runs a strong, profitable textile SME — but it’s strangled by the local banking system. Business loans hover around 60–70% interest, and personal loans approach 80%. Needless to say, long-term investment is impossible. Through VELTA, Diego deposits a KLAT, a digital collateral backed by European real estate. In just a few clicks, he gains access to European-level financing rates, nearly ten times cheaper, without going through a local bank. The KLAT’s assets generate returns for VELTA, ensuring the system’s stability. And Diego can finally focus on what he does best: producing, creating, hiring. 📈 In just 18 months, he triples production and starts exporting to Europe. Diego didn’t just take out a loan — he changed his entire economic horizon. ⸻ ⚙️ The KLAT: Lombard credit — without the chains. 💠 Anti-liquidation collateral 💠 Indexed to real assets (SCPI) 💠 Financing up to 25 years 💠 Yield for VELTA = Stability for borrowers #Velta #KLAT #FinTech #DeFi #LombardCredit #RealEstate #FinancialInnovation #ImpactFinance