Individual Account
- Online account application
- Copy of passport or drivers license
- Selfie of person holding the same ID provided above
- Proof of address dated within 90 days (utility bill or bank statement)

Individual Account
- Online account application
- For each director, all of the items for an individual application
- Certificate of incorporation
- Articles of association or equivalent, that shows the share ownership percentages
- Proof of address for the company dated within 90 days (utility bill or bank statement)
- Each shareholder of 25% of more must provide all the requirements for an individual account or company account

Trust
- Online account application
- Trust deed
- Proof of address for the company dated within 90 days (utility bill or bank statement)
- If corporate trustee, the same requirements as a company application for that entity
- If personal trustee, the same requirements as an individual application for that person
- For beneficiaries, the corporate or personal application requirements as stated above

Account Opening Fee
Viva charges a $500 account opening fee for new clients. 

Management Fee
Viva charges a 1.00% management fee on assets under management per annum. 

Staking Example: If you are staking with us and receive a 10.50% yield on the asset, your real return will be 9.5% after our fee. Client funds in staking are 100% insured. 

Custody Example If you're holding your assets in a custody account with no yield, then the total combined fee between our digital asset custodian Zerocap and Viva is 1.00%.

Custody plus Insurance Example If you want to activate insurance for your custody account, it is an additional fee of 0.5%, for a total per annum fee of 1.5%.

Trading Commissions
Over The Counter (OTC) trade execution fees start at 1.95% and are reduced and customized on volumes of 10 million USD or more.

Optional Products and Services
Insurance on custody holdings is optional and is charged at a wholesale rate of 0.5%, directly passed through to Lloyds of London and our digital asset custodian, Zerocap. 

Custom services such as incorporation and advisory are provided on demand and fees for service will be presented for each solution.

Viva does not charge a fee on fiat or cryptocurrency deposits or withdrawals. 

Viva has a $100,000 USD or equivalent minimum to become a client. This can be split across multiple products.

Viva has a $10,000 USD or equivalent minimum transaction value for OTC execution.

Pease send funds to the following bank account instructions:

USD Deposits (Wire/Swift Transfer)

Beneficiary Account Name: Zerocap PTY LTD
Beneficiary Address: 412 St Kilda Road, Melbourne, Australia, VIC 3004
Bank Name: Bank Frick & Co. AG, Balzers, Liechtenstein
SWIFT/BIC: BFRILI22
IBAN: LI74 0881 1010 3521 K000 U
Bank Address: Landstrasse 14, 9496 Balzers, Liechtenstein
Description: (Please use the name of your account)

Fee Notice: Please note Bank Frick charge a 7.5bps fee (0.075%) on USD deposits.

AUD Deposits (Local BSB Transfer)

Beneficiary Account Name: Zerocap Pty Ltd
BSB Number: 802-985
Account Number: 612301834
Beneficiary Address: 412 St. Kilda Road Melbourne, Victoria, 3004, Australia
Beneficiary Bank: Cuscal Limited
Beneficiary Bank Address: 1 Margaret Street, Sydney, NSW, 2000, Australia
Description: (Please use the name of your account)

AUD Deposits (Swift International Transfer)

Beneficiary Account Name: Zerocap Pty Ltd
SWIFT: CUSCAU2SXXX
IBAN: 802985612301834
Beneficiary Address: 412 St. Kilda Road Melbourne, Victoria, 3004, Australia
Beneficiary Bank: Cuscal Limited
Beneficiary Bank Address: 1 Margaret Street, Sydney, NSW, 2000, Australia
Description: (Please use the name of your account)

EUR Deposits

Beneficiary: Zerocap Pty Ltd
Beneficiary Address: 412 St. Kilda Road Melbourne, Victoria, 3004, Australia
Beneficiary Bank: Bank Frick & Co. AG, Balzers, Liechtenstein
BIC/SWIFT: BFRILI22
IBAN: LI21 0881 1010 3521 K000 E
Beneficiary Bank Address: Landstrasse 14, 9496 Balzers, Liechtenstein

Correspondent bank (EUR): SECB Swiss Euro Clearing Bank GmbH, Frankfurt a. M., Germany
BIC/SWIFT: SECGDEFF

Fee Notice: Please note Bank Frick charge a 7.5bps fee (0.075%) on EUR deposits.

1. Add your withdrawal address and wait for security approval.

2. Do a transfer and then wait for security approval. Always do a test transfer first.

Viva have a minimum fiat withdrawal value of $20,000 in the withdrawal currency. 

There are no upper limits on deposits or withdrawals. 

Yes, you can withdraw your funds from Viva at any time. Please note all withdrawals are subject to a 48-hour withdrawal processing period. 

Fiat withdrawals are also subject to standard banking transfer timeframes. 

To withdraw funds simply let the trade desk know via email and your withdrawal will be processed. 

Cryptocurrency purchases and sales are subject to a 48-hour settlement period.

This means that cryptocurrencies bought or sold will take up to 48 hours to appear in your account or be made available for withdrawal or transfer. 

You can only withdraw fiat funds to an account in the same name as your Viva account. For example, if you have a personal account open, then funds can only be sent to a bank account in your same personal name.

Zerocap, our digital asset custodian, is responsible for providing banking infrastructure for fiat currencies, such as USD, AUD, EUR or SGD.  You have control to deposit, withdraw and manage your assets.

Fireblocks is the security and infrastructure provider on which your account is built. They are specialists in Multi-Party Computation technology. This means you still own your assets, but there is no single point of failure. 

 Viva is your management team to help do it all for you with your permission. We do not directly receive, transfer or control your funds or assets. 

Ultimately you have the authority and final approval on any decisions made.

Your account is built using the Multi-Party Computation (MPC) technology provided by Fireblocks.

This type of infrastructure and technology makes hacking highly expensive, nearly impossible and creates a truly secure environment for storing, transferring, and issuing digital assets. 

You can download the Fireblocks whitepaper here.

Basic overview of our digital asset custodian Zerocap's Loss Protection Program.
Please note: the Loss Protection Program only applies to assets in the Custody Account. Assets held in the Savings Account, Term Deposit or Staking Accounts cannot be insured currently.

Types of Coverage

As a part of Zerocap’s custody service, clients automatically opt-in to the Loss Protection Program. Zerocap utilises two insurance policies related to assets held in its primary custody infrastructure.

The first is a unique, market-leading Vault insurance policy, underwritten by Lloyd’s of London. Unlike other digital asset custody services or funds, the policy and dollar-coverage is not shared with other customers of the underlying custodial infrastructure (Zerocap is named as the Insured). The policy is a named perils policy covering the loss of, or damage to, Private Keys arising from:

• Fire, flood, windstorm, earthquake and other natural perils
• Deliberate and dishonest acts of Zerocap’s employees operating in the role of a Designated Custodian
• Copying and or theft by third parties physically present at the location(s) where the hardware utilised by Zerocap in the generation, storage and retrieval of Private Keys is located

Fireblocks (utilised by Zerocap) also maintains a broad scope of insurance coverage for Technology, Cyber and Professional Liability. Fireblocks (and by extension Zerocap who have opted-in) are protected for liability resulting from a failure of their technology products or services, cyber breaches and professional liability which result in any a theft of cryptocurrency or cryptographic information from the following events:

Cyber Breach including the theft or unauthorised disclosure of Protected Information

• Cyber Extortion
• Loss of Data Assets
• Failure of any of their third-party providers
• Technology Errors
• Technology Products Failure
• Technology Professional Liability
• Professional Liability
• Theft of Crypto Assets resulting from any of the above

As a managed account with institutional grade custody and security,  you own the assets but work with Viva to help manage your affairs. There is no single point of failure with our managed accounts.

A wallet is a secure vault that protects your private keys and is a self custody option. A wallet you manage on your own has points of failure.

A managed account is an investment account owned by you as the investor but overseen by a professional manager or management firm.

A managed fund is where investors' funds are pooled together and managed by the investment manager. The investment manager makes investment decisions on behalf of all investors in the managed fund.

Viva Capital Management Pte Ltd (UEN 202030776Z) is a Singapore company with SSIC code 66306 registered as a family office servicing high net worth individuals. 

Zerocap Pty Ltd is an authorized representative (001289130) of Gannet Capital Pty Ltd (ACN 139 264 690; AFSL 340799). Zerocap Pty Ltd is registered with AUSTRAC as a DCE Service Provider (DCE100635539-001)

Viva accepts clients in most countries. We have a physical office in Orlando Florida and support clients with on US Eastern timezone. We also have a light presence in Australia and Singapore.

If Viva goes bankrupt, you still have 100% ownership and access to your assets. In the event, Viva failed you would contact both our digital asset custodian Zerocap (Zerocap.com) and security partners Fireblocks (Fireblocks.com) or Copper (Copper.co)

No. Viva does not share information with any government body. It is your responsibility to manage your tax and reporting affairs.

If you are a USA citizen who is invested with a Crypto IRA opened by Viva, once per year, we complete an annual valuation that is given to your custodian (Entrust). In turn, this custodian will share information with the IRS. 

You can access a list of transactions via your wealth portal and holding statements that you can provide to your CPA or work with for accounting purposes.