vildX is a self-custodial banking app built on crypto rails — the everyday simplicity of a neo-bank, powered by institutional-grade DeFi yield.
01
Earn while you spend
Prime Chequing yields 4–7% from curated DeFi vaults — withdrawals instant, no hold. Frontier & Boost reach 8–24%.
02
Move money instantly
Pay anyone, bill pay and cards on stablecoin rails — free, 24/7, and recipients don't need vildX.
03
Borrow without selling
A crypto-backed credit line against your balances — your money keeps earning while you spend.
04
Automate with AI agents
Agents sweep idle cash, pay bills and file reports over x402 + MCP — always inside policy gates you control.
Self-custodial · your keysRisk engine · 20+ protocolsKYC/AML built in
LIVE INTERACTIVE DEMO · SIMULATED DATA · vildx.com
9:41
Build wealth beyond traditional finance.
Bank-grade security. DeFi-grade yield. Self-custodial — your keys, your money.
Demo build · simulated data · vildX is a self-custodial software platform, not a bank. Not available to U.S. persons.
Create your account
A self-custodial wallet with bank-grade security — set up in under a minute. vildX never holds your funds.
By continuing you agree to the Terms & Privacy Policy. Not available to U.S. persons.
Verifying your identity
One-time KYC/AML — required for fiat rails, cards and payouts. Takes seconds.
1
ID document check
Passport / driver's licence scanned & matched
2
Liveness check
Face match confirmed on device
3
Sanctions & AML screening
Continuous screening from day one
Create your keys
Self-custody, no seed phrase. Your key is split into 3 MPC shares — any 2 sign together. vildX alone can never move your money.
📱
Share 1 · This device
Sealed in the Secure Enclave, unlocked by Face ID
✓
🛡️
Share 2 · vildX co-signer
HSM-guarded, enforces your policies & agent gates
✓
☁️
Share 3 · Recovery
Yours to back up — encrypted before it leaves this phone
✓
Back up to iCloud
Your recovery share is encrypted on this device with your passkey, then stored in iCloud Keychain. Neither Apple nor vildX can read it.
1
Encrypting on device
End-to-end · passkey-wrapped AES-256
2
Storing in iCloud Keychain
vildx-recovery.share · synced to your Apple ID
3
Backup verified
Test-decrypt succeeded · you can restore on any device
You're self-custodial.
Your wallet is live. You hold the keys — vildX can't move, freeze, or lose your money.
Wallet0x8f3C…a41D
CustodySelf-custodial · MPC 2-of-3
Sign-inPasskey · Face ID
iCloud backup✓ Encrypted & verified
RESTORE WALLET
Welcome back
New phone? Your funds never left the blockchain — restore your encrypted recovery share from iCloud and you're in.
vildx-recovery.share
Encrypted · last backup Jul 8, 2026 · iPhone 16 Pro
FOUND
Restoring your wallet
Reassembling your MPC shares — the recovery share plus a fresh share for this device.
1
Face ID confirmed
Passkey unwraps the recovery share on device
2
Recovery share decrypted
Nothing readable ever left iCloud
3
New device share issued
Sealed in this phone's Secure Enclave
4
Old device share revoked
Your previous phone can no longer sign
Wallet restored.
Every balance is exactly where you left it — your money lives onchain, not on your phone.
Wallet0x8f3C…a41D
Restored fromiCloud Keychain · Jul 8 backup
CustodySelf-custodial · MPC 2-of-3
TOTAL BALANCE ● All systems live
$0.00
▲ $0.00 earned todayBlended 6.1% APY
Chequing
Chequing · USDC NOT EARNING
Everyday cash · instant · Ethereum
$0
≈ 1:1 USD
Prime Chequing EARNING
+$0.0000/sec · compounding
$0
5.2% APY
Vaults & fixed rate
Frontier Vault
RWA + structured yield
$0
9.6% APY
Boost Vault
Risk-on · high variance
$0
19.8% APY
vildX Term FIXED RATE
6.3% locked · matures Oct 14
$5,000
locked
Borrowing
Your money at work
+$0
YIELD THIS MONTH
41 min
NEXT REBALANCE
20+
PROTOCOLS MONITORED
1–5
RISK-SCORED HOURLY
Risk engine live · no protocol above 30% of any vault · Prime Chequing withdrawals instant, no hold · Frontier/Boost 72h window + emergency exit
Activity
vildX is a software platform, not a bank. Yields variable, not guaranteed. Demo build · simulated data.
vildX PrimeConservative
DIVERSIFIED BLUE-CHIP STABLECOIN YIELD
5.22%target 4–7% net
Your position: $42,500+$137.42 earned
Underlying allocation$500M+ TVL
Risk framework
Terms
Performance fee10% of realized yield
Management fee0.25% annual on AUM
Deposit / withdrawal feeNone
WithdrawalInstant · no hold
CustodyNon-custodial
APYs variable, not guaranteed. Past performance does not predict future returns. Funds deployed to third-party smart contracts carry protocol, curator, and stablecoin risk. Full spec: vildx.com/vaults.
Stocks
Tokenized US equities · 24/7 · T+0 on-chain settlement · no commission
$0
STOCK PORTFOLIO
$0
BUYING POWER · CHEQUING
Each share is a 1:1 backed on-chain token (xSTOCK). Trade any time — including nights & weekends. Demo prices, simulated.
Your holdings
Market
Tokenized stocks are issued by a licensed issuer and carry issuer & market risk. Demo build · simulated data.
Chequing · USDC
Everyday cash · self-custodial · Ethereum
NOT EARNING
AVAILABLE BALANCE
$0
≈ 1:1 USD · USDC on Ethereum
Account details
TypeSelf-custodial chequing (USDC)
NetworkEthereum
Address0x8f3C…a41D
CustodyMPC 2-of-3 · you hold two shares
WithdrawalsInstant · no hold
RateNot earning — move to Prime to earn
Recent activity
Pay
Pay anyone — from any account, or from your credit line. Instant, 24/7.
Pay anyone
YOU PAY (USD)
$
PAY FROM
ChequingPAY FROM
→
USDCONCHAIN RAIL
→
RohanVILDX · INSTANT
Bill pay
Bills pay from your selected account — currently Chequing (change above).
Payments settle over public stablecoin rails with licensed payout partners — instant, 24/7, no wire cutoffs. Recipients don't need vildX: payouts land in any bank account or e-Transfer.
Sending $250
to Rohan Mehta · vildX wallet
1
Debit Chequing
USDC reserved from your account
2
Onchain settlement
Transfer confirmed on Base · fee $0.002
3
Payout to recipient
vildX wallet · instant credit
4
Receipt sealed
Reference logged to your audit trail
Delivered in 8.2s
$250.00 received by Rohan · Ref VLD-88214
Card
Card frozen
VIRTUAL · VISA
•••• •••• •••• 7211
Cardholder
NEERAJ SRIVASTAVA
Expires
••/••
CVV
•••
Spend fromone card · any account
Purchases settle instantly in USDC from your chequing balance. 1.5% cashback in USDC on every swipe.
$1,284.56
SPENT THIS MONTH
$19.27
CASHBACK EARNED
Card activity
BorrowCrypto-backed
13.2Health
Credit line$30,568
Borrowed$3,000
Variable APR6.4%
Backed by your vault positions. No credit checks, no selling your assets — they keep earning yield while you borrow.
Draw funds
Amount$5,000
$500up to $27,568
New health factor4.9
Monthly interest (est.)$26.67
Liquidation atHealth < 1.0
How it works
CollateralYour vault balances
Max LTV50% of vault value
Rate modelUtilization-priced (Aave/Morpho)
RepaymentAnytime, no penalty
Yield while borrowingKeeps compounding
Agentsx402 + MCP
Your money, staffed by software — scoped, gated, auditable.
3
AGENTS ACTIVE
+$128.40
AGENT IMPACT · 30D
1
PENDING APPROVALS
$12.40
X402 PAID · 30D
Needs your approvalabove $500
Your agents
The financial layer for AI agents
Approval gates: agents request sign-off for actions above $500. Your wallet is a programmable HTTP payment endpoint (x402) with MCP tool access.
Any developer's agent can connect via MCP — you grant scopes, vildX enforces them.
Automations
🪙
Round-ups
Sweep spare change from card taps to Prime
🧾
Bill autopay
Treasury Agent pays recurring bills from Chequing
Your x402 endpoint
pay.vildx.com/neeraj
Received from agents · 30d+$86.10
Accept agent payments
Your account is addressable by software: any AI agent can pay this endpoint machine-to-machine — settlement lands in Chequing as USDC, instantly.
Live feed
Agent impact · 30 days
Extra yield from sweeps+$96.20
Bill negotiation savings+$19.80
Fee optimization (gas-aware)+$12.40
Total impact+$128.40
Agents act under scoped MCP credentials, inside your policy gates, co-signed by vildX and sealed to the audit trail. Demo build — simulated data.
Apple
$0.00
today · · 1:1 backed
No position
Estimated cost$0.00
SettlementInstant · on-chain (T+0)
Commission$0
Market order at live price · demo prices, simulated fills
Transaction
💸
—
—
—
Date—
StatusConfirmed ✓
NetworkEthereum
Tx hash—
vildX fee$0
Balance after—
Every transaction is sealed to the on-chain audit log · demo data
Add money
$
Every fiat deposit converts to USDC 1:1 the moment it arrives and lands in your Chequing balance.
1
ACH initiated
Pulling from your linked bank
2
Funds received by vildX
Fiat on-ramp partner confirms
3
Converted to USDC · 1:1
No spread, no conversion fee
4
Credited to Chequing
Available immediately
Free · bank-grade encryption · read-only link, vildX can never move money out of your bank without this confirmation.
CARD DETAILS
You pay$1,000.00
Card fee (1.5%)$15.00
You receive985.00 USDC
SpeedInstant
1
Card authorized
3-D Secure verified · Visa ••4242
2
Converted to USDC · 1:1
Settled on the fiat on-ramp
3
Credited to Chequing
Available immediately
PCI-DSS compliant · card saved securely for next time.
Convert
$
↓ 1 USD = 1 USDC · no spread
◈
Settles onchain in ~2s · zero fees both directions
Receive USDC
0x8f3C…a41D
⚠️Send only USDC or USDT on Base. Deposits credit instantly after 1 confirmation.
Deposit to Prime
$
Est. yearly yield+$104.40
Auto-compoundOn · hourly rebalanced
ERC-4626 mint · gas sponsored by vildX · withdraw anytime
⚡Anything that lands here becomes USDC instantly. Payroll direct deposit, e-Transfers, wires and cash deposits are converted to USDC 1:1 the moment they arrive — no waiting, no manual step.
Card limits
Per transaction$5,000
Daily$10,000
Monthly$50,000
ATM withdrawal$1,000 / day
Online paymentsEnabled
ContactlessEnabled
Security & recovery
CustodySelf-custodial — you hold the keys
Key architectureMPC 2-of-3 threshold · no seed phrase
Share 1This device (Secure Enclave)
Share 2vildX co-signer (HSM)
Share 3iCloud recovery (E2E-encrypted)
iCloud backup✓ Verified · Jul 8, 2026
Sign-inPasskey · Face ID
Session policies$500 agent gate · device binding
🔐Self-custodial: vildX never holds your funds and cannot move, freeze, or lose them. Assets sit in audited smart contracts under your wallet's control — lose your phone, restore from iCloud.
About vildX
The Intelligent Yield Distributor. Wrapper vault infrastructure that allocates user capital across curated DeFi protocols — bank-grade security, institutional-grade risk engine.
📜How it locks: your deposit buys a Pendle principal token below par; it redeems 1:1 at maturity, so the rate is exact if held to term. Not a bank GIC — no CDIC insurance; principal token & protocol risk apply.
Principal + interest paid to Chequing at maturity · rate never changes once locked.
Add recipient
New recipients are screened against sanctions lists automatically before the first payment.
Add biller
$
Autopay
Treasury Agent pays it from your selected account when due
Bills settle over stablecoin rails to the biller's bank — instant confirmation, no cheque float.
Policy gates
These rules bind every agent — built-in or third-party. They're enforced by the vildX co-signer at the key layer, not by trust.
External withdrawalsNever grantable to agents
Kill switchRevoke any agent · instant
AuditEvery action logged & co-signed
Changes apply immediately to all connected agents.
Rent buffer
Treasury Agent always keeps this much in Chequing so rent and bills never bounce. Everything above it gets swept to Prime Chequing to earn — and Prime withdrawals are instant, so it's never out of reach.
$
Chequing balance$8,432
Largest bill (rent)$2,200 · due Aug 1
Surplus that can earn$6,232
Est. extra yield / year+$325
Auto-sweep surplus
Treasury Agent moves anything above the buffer to Prime
Enforced by Treasury Agent within your policy gates · every sweep is logged to the audit trail.
Connect an agent
NF
Nova Finance Agent
Third-party developer · connecting via MCP
VERIFIED
REQUESTED ACCESS · MCP SCOPES
✓ Read balances & positionsRead-only
✓ Read statements & tax lotsRead-only
✓ Move money between your accountsWithin gates
✓ Pay via x402≤ $50 / day
✗ Withdraw to external accountsNever grantable
YOUR POLICY GATES
Approval above$500 per action · Face ID
Daily agent cap$2,000
Kill switchRevoke anytime · instant
AuditEvery action logged & co-signed
The agent never sees your keys. It receives a scoped MCP credential; every action is co-signed against your policies by the vildX co-signer and sealed to the audit trail.
Issuing scoped access
Credentials are minted for this agent only — never your keys.
1
Face ID confirmed
Grant authorized by you, on this device
2
Scoped MCP credential issued
Reads + in-app moves only · expires in 90 days
3
Policy gates bound
$500 per action · $2,000 daily cap
4
x402 spend key created
Capped at $50/day · burnable on revoke
Agent connected.
Nova Finance Agent can now read your accounts and act inside your gates — it can never withdraw to outside accounts or touch your keys.