The Vault Reserve is a franchise chain of personal finance and storage centers in the now-defunct City of Heroes MMO. It was also the first business to branch out beyond Paragon City into the Rogue Isles.
The Vault Reserve system first got started in the 1930's, not long after the debut of the modern-day superhero. Heroes needed a place to store evidence and equipment, especially when going up against corrupt local officials that used the power of government to get what they want and had no regard for the rule of law.
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- (Check out their Paragon Wiki entry for more information on how the Vault services are used in-game.)
The Vault Reserve system and how it is applied in the city was explained briefly in "Guardians of the Dawn Spotlight" #23.