Company

Banking, rebuilt.
On-chain.

vildX is an on-chain NeoBank. Chequing that earns 4–7% APY. Savings vaults up to 24%. A Visa card. Instant worldwide transfers. All in one app — with your keys, your money. One deposit. Every yield surface in DeFi. Fully self-custodial.

Mission

Every dollar deserves the highest sustainable yield.
Delivered in a bank-shaped experience.

A bank account should compound like an investment. Payments should settle in seconds, not business days. Custody should sit with the person, not the institution. That's what an on-chain NeoBank is — and that's what we're building.

Prime Chequing is your everyday account, quietly earning 4–7% APY the whole time. Vaults let you push a slice of savings into professionally-curated DeFi positions earning up to 24%. A Visa card spends from any account. AI agents handle the tedious parts. Your keys never leave your device.

See how the yield works →

What's a NeoBank?

A bank-shaped app with an on-chain engine underneath.

Same interface a Chime or Revolut user recognises. Different engine. Same day-to-day experience — chequing, card, transfers — powered by stablecoins and audited DeFi vaults instead of a bank's balance sheet.

Old bank / Neobank v1

Your money on their balance sheet.

0.5% APY on savings. Bank keeps the spread.
SWIFT wires that take 2–5 business days.
Custody with the bank. Frozen, seized, or lost if things go wrong.
Opaque risk. You never see what your money is doing.
FX fees, wire fees, overdraft fees, monthly fees.

vildX · on-chain NeoBank

Your money on your keys.

4–7% APY on Chequing. Up to 24% in vaults.
USDC in seconds, any wallet, any chain, 24/7.
Self-custodial via Privy. MPC 2-of-3. Only you can move it.
Fully transparent. Every allocation, every fee, on-chain.
$0 fees — we only earn a share of the yield we generate.

Why now

The pieces finally fit.

Stablecoins are money-market real. Curated DeFi vaults are institution-grade. Self-custody wallets have Face ID recovery. The bank-shaped experience on top of them is the missing piece — and that's what an on-chain NeoBank is.

🪙

The asset is ready

$320B in stablecoins outstanding. Trillions in monthly volume. Growing 60% year-over-year. Stablecoins are how the next generation of money already moves.

🛡️

The rails are ready

Top curators like Steakhouse, Gauntlet, Morpho, Ember, Ethena run institutional-grade risk frameworks. Best-in-class protocols cover every yield strategy.

🔑

Self-custody is ready

Privy (a Stripe company), MPC key sharding, Face ID, and iCloud recovery mean you get bank-app UX without the bank keeping your money.

What we built

The whole banking surface, on-chain.

Prime Chequing

Everyday account earning 4–7% APY. Compounds every block. Instant withdrawals.

Accounts →

Vaults

Prime, Frontier, Boost — three risk envelopes, 4–24% APY, five engines, eighteen positions.

Yield →

Pay & Send

USDC to any wallet, anywhere, in seconds. $0 vildX fee. Local currency payouts coming soon.

Pay →

Card SOON

Virtual Visa on Apple Pay day one. No FX fees. Spend from any account.

Card →

Borrow SOON

~6.4% credit line against your vaults. No credit check. Your assets keep earning.

Borrow →

AI Agents SOON

Goal Coach, Loan Scout, Yield Scout, Rent Buffer, Round-Ups — the tedious parts, automated.

AI Agents →

Architecture

Five engines, eight strategies, eighteen vaults — the on-chain path every dollar takes.

Architecture →

Safety

Wallet infrastructure by Privy — a Stripe company. MPC 2-of-3. Face ID. No seed phrases.

Safety →

Team

Built by operators who've watched the cycles.

We've been in fintech and DeFi long enough to know what's sustainable. We don't chase shiny products. We curate — carefully.

Engineering

Backgrounds in fintech infrastructure, smart-contract development, and consumer mobile apps. Products that millions have trusted with their money.

Curator partnerships

vildX vaults route into curated products by Steakhouse, Gauntlet, Yearn, Apostro, Alpha, Ember, and other institutional-grade DeFi managers.

Risk advisory

External audits, oracle-quality reviews, and TVL-stability monitoring inform every allocation decision. No black boxes.

Values

What we believe.

Discipline over hype

Sustainable yield beats spectacular returns. We've watched cycles burn yield-chasers. We don't repeat their mistakes.

Transparency by default

Every allocation, every fee, every position — visible on-chain and in-app. Nothing hidden. Nothing spun.

Self-custody, always

Your keys, your money. vildX never takes custody. MPC 2-of-3 with Privy — a Stripe company — means only you can move funds.

Banking, rebuilt.On-chain.

Every dollar deserves the highest sustainable yield.Delivered in a bank-shaped experience.