Open the web app. Verify your ID. Deposit dollars — or the stablecoins you already hold. Everything starts earning the moment it lands. No download required.
Go to webapp.vildx.com in any browser — mobile or desktop. No app to download, no store to visit.
Passport or driver's licence + face scan. Takes seconds. Verified once, then you're in.
Deposit dollars from your bank. Or the stablecoins you already hold. Balance starts earning immediately.
We take 10% of the yield we generate for you, plus 0.25% annual on TVL. Zero yield → zero fee.
No hidden fees. Nothing to opt out of. Nothing surprises on your statement.
No. vildX is a software platform that gives you a bank-like experience on top of stablecoins and self-custody. Your money never sits on our balance sheet — it lives in a wallet only you can move.
Your Chequing balance sits in Prime — a curated basket of the largest, safest on-chain stablecoin lending vaults. Yield compounds live, block by block. APY is variable and not guaranteed.
Your money never leaves the chain. Sign in from any browser at webapp.vildx.com, authenticate with passkey / Face ID, and your wallet restores from encrypted MPC shares within 30 seconds.
No. vildX runs fully in the browser at webapp.vildx.com — mobile or desktop. Nothing to install, nothing to update. Add it to your home screen if you'd like an app-style icon.
Nothing. You use vildX like a bank. Deposit dollars, spend from a Visa card, send money, earn interest. Stablecoins run in the background — you never interact with them.
vildX is not a bank and does not offer FDIC / CDIC insurance. Your protection comes from self-custody + diversification + curated risk. See our safety page for the full story.
Canada, United Kingdom, Germany, India, and UAE. Not available to U.S. persons. More jurisdictions rolling out through 2026.
Not yet — rolling out through 2026. When live, your vault balance will back a credit line at ~6.4% variable APR. Draw up to 50% of the vault value to Chequing instantly. Your assets stay invested and keep earning yield. Repay anytime, no penalty. Join the waitlist →
Not yet — rolling out through 2026. When live, six agents will handle the tedious parts of banking: Yield Scout hunts higher rates, Rent Buffer sweeps surplus to Prime, Round-Ups saves change from card swipes, Bill Autopay handles subscriptions. Nothing over $500 without your explicit Face ID approval. Join the waitlist →
From Prime Chequing: instantly, no hold. From Frontier or Boost vaults: standard 72-hour window (no fee), or emergency exit. On the fiat side, cash out to your bank or a debit-card push. Free either way.
Only what's needed to make the wallet work — the sender, recipient, amount, and time. Everything sits on public chains anyway. We don't sell your data. Ever.