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Coming soon Credit Line

Borrow.
Without selling.

Need $10K for a car, a deposit, or an emergency? Don't sell your investments. Borrow against them. Your assets keep earning yield while you pay it back.

Rolling out through 2026. Join the waitlist to be first in line.

Join the waitlist See yield instead
Indicative APR · Variable
~6.4%
Approximate · subject to market

An indicative borrowing rate. The actual APR floats with on-chain markets — Aave/Morpho utilisation, curator preferences, and collateral type all move it up or down. A regular credit card is ~22%. A margin loan at a broker is 9–13%.

  • Rate is variable. Real-time APR shown in-app before you draw.
  • No credit check. Your collateral is your history.
  • Repay anytime. No penalty. By the second.
6.4% is illustrative only. The rate is set by underlying protocol utilisation and may be higher or lower at draw time. Past rates do not predict future rates.
vildX borrow screen
The math (illustrative)

Borrow at ~6.4%. Earn ~10%. Pocket the spread.

This is how the wealthy have borrowed for decades. Now it's how you do too. Numbers below are illustrative — actual rates float with the market.

$10K
You borrow
Draws to your Chequing instantly.
$83/mo
Your money earns
At Frontier's ~10% APY on collateral.
+$30/mo
Net, in your pocket
You pay $53/mo interest. You earn $83/mo. Do the math.
Real-life scenarios

What could you borrow for?

A car. A down payment. Tuition. A honeymoon. An emergency. Whatever it is, you don't have to sell to pay for it.

🚗 A new car

Instead of an auto loan at ~8%, you borrow at the vildX rate (currently ~6.4%, variable) and keep earning yield.

🏠 A down payment

Cover a house deposit while your assets keep compounding for the future.

💊 An emergency

No selling in a panic. No credit card at 22%. Just borrow, breathe, repay.

✈️ A trip

The honeymoon of a lifetime doesn't have to break your investment plan.

How it works

Three steps. That's it.

01

Have a vault balance

Any Prime, Frontier, or Boost balance backs your credit line automatically.

02

Draw funds

Move up to 50% of your vault value to Chequing instantly. Ready to spend.

03

Repay anytime

By the second. In tiny amounts if you want. No penalty. No due date.

Borrow smart.
Keep your assets working.

No credit checks. No forms. No sold investments. Just borrow, use, repay.

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