Chequing that earns 4–7% APY. Diversified savings vaults up to 24%. A Visa card, worldwide. Instant global transfers. All in one app — with your keys, your money.
Your Chequing balance sits in Prime — the vildX vault that quietly compounds every second. Spend it, send it, withdraw it. Instantly. No lockups. No hold.
A virtual Visa that will be ready for Apple Pay the second you sign up. Spend from any account — same rate paid, anywhere on the planet. Rolling out through 2026.
No SWIFT. No wire cutoffs. No "business days." Just USDC on public rails — the fastest, cheapest way to move dollars in the world.
Pick a term — 3, 6, or 12 months. Lock your rate the moment you deposit. Redeem principal + fixed growth at maturity. Powered by Pendle fixed-rate positions, self-custodial the whole way.
Your vault positions will back a credit line at an indicative ~6.4% APR (variable, subject to market). No credit checks. No paperwork. Your money keeps earning yield the whole time you're borrowing against it.
Six little agents inside the app that will quietly do the tedious parts of banking for you. They'll ask before they spend. You'll review anything above $500. Rolling out through 2026.
Scans 20+ protocols hourly. Reallocates automatically to higher-APY spots.
Keeps a target balance in Chequing. Sweeps the surplus into Prime so it earns.
Rounds every card swipe up to the nearest dollar. Sweeps the change into Prime.
Tell it a target — say $10K in 18 months. It works out the monthly deposit at your blended APY (compounding included) and auto-sweeps it from Chequing.
Buying a car? Tell it the amount. It shops your vault-backed credit line, dealer financing, and personal-loan rates side-by-side — picks the cheapest APR before you sign.
Your account has a web address. AI agents can pay you directly, machine to machine.
Apple, NVIDIA, Tesla, the S&P 500 — as 1:1-backed on-chain tokens you can buy and sell 24/7, settled instantly, with no commission. Your cash keeps earning right up to the moment you trade.
vildX can't move your money. Not now. Not ever. Your key is split across your phone, us, and iCloud. Any two sign together — vildX alone can't reach it.
We take 10% of the yield we generate for you, plus 0.25% annual on TVL. Zero yield → zero fee. That's it.
Cards · card transactions · chequing · savings · international transfers · bill pay · buy/sell USDC · agentic payments.
We only earn when you do. Performance fee on realized yield only. Zero yield → zero fee.
Annual management fee. Pays for research, monitoring, risk. Blended take: ~0.95% TVL/year.
Sign in at webapp.vildx.com. Verify your ID. Fund your account. Everything earns instantly.
*Total value ($3.75B) is the sum of assets in the underlying on-chain vaults vildX routes deposits into — Steakhouse, Gauntlet, Morpho, Ember, Ethena, Yearn, Convex, Pendle, and others. These vaults are operated by their respective third-party curators and protocols. Not held by vildX. Not held through vildX. vildX is a self-custodial software wallet that provides an interface to these publicly-deployed smart contracts.