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How yield is generated

Where the 4–24% comes from.

Prime Chequing pays 4–7% APY. Add a savings vault and earn up to 24%. Below is the whole story — three vault tiers, the underlying protocols they route to, and the five operational disciplines that curate, monitor, and rebalance every dollar. Continuously.

Launch Vaults → See the architecture → See the three tiers
The short version

Your dollars go to work in DeFi.
You never touch it.

Your deposit is converted to stablecoins (USDC/USDT/PYUSD) and routed into a diversified basket of professionally-curated on-chain vaults. Interest is generated by real economic activity — borrowers paying to borrow, real-world assets earning yield, liquidity providers earning fees.

vildX handles all the crypto. You just see a checking account with a great APY.

vildX portfolio screen
Three vaults

One yield engine. Three risk profiles.

Same discipline applies to all — continuous research, active rebalancing, diversification, risk vetting. Only the risk envelope changes.

Prime · Safest

Prime Vault

USDC · USDT · PYUSD · USDe  ·  $3.6B underlying
4 – 7%
Target net APY · live blended 5.41%
Live allocation · 7 strategies
  • Steakhouse Prime USDC16%
  • 3Jane Ecosystem16%
  • Gauntlet USDT16%
  • PayPal USD16%
  • Steakhouse HY14%
  • Gauntlet RWA12%
  • Gauntlet Frontier10%

Diversified blue-chip stablecoin yield. Built for steady, boring, compounding returns.

Frontier · Growth

Frontier Vault

USDC · USDe · AUSD  ·  $103M underlying
8 – 12%
Target net APY · live blended 6.28%
Live allocation · 7 strategies (5 currently active)
  • Apyx USDC30%
  • Re Ecosystem22.5%
  • Yearn OG17.5%
  • RockawayX USDC15%
  • Clearstar Core15%
  • KPK USDC (reserved)0%
  • Api3 dCOMP (reserved)0%

RWA-led max-yield stablecoin. Real-world assets, structured credit, curated max-yield.

Boost · Risk-on

Boost Vault

yCRV · cvxCRV · PT  ·  $47M underlying
17 – 24%
Target net APY
Underlying positions
  • Yearn yCRV32%
  • Convex cvxCRV32%
  • Pendle APYUSD PT26%
  • Pendle REUSDE PT10%

Higher yield. Real principal risk. Leveraged & token-denominated. Not for U.S. persons.

COMING SOON vildX Term

Prefer a fixed rate?
Lock it in.

Like an FD or GIC — at ~2× what a bank pays. Pick a term, lock your rate the moment you deposit, redeem principal + fixed growth at maturity. Powered by Pendle fixed-rate positions: vildX buys Principal Tokens maturing on your chosen date, so the rate you see on day one is exactly what you get at maturity.

3·6·12

Pick your term

Three, six, or twelve months. Choose the tenor that fits your plan — salary savings, a big purchase, an emergency floor.

Locked

Rate fixed on day one

No floating APY. The locked net rate is shown upfront and paid at maturity — typically ~2× a bank GIC / FD.

Exit

No lock-in jail

Need out early? Sell your position at the prevailing market rate any time. Self-custodial throughout.

Indicative only. Fixed rates depend on Pendle market conditions at the time of deposit. Rolling out through 2026.

Side by side

Compare the three.

Prime Frontier Boost
Target net APY4 – 7%8 – 12%17 – 24%
Risk profileDiversified, blue-chip lendingRWA + structured creditToken-denominated, fixed-rate PT
Principal currencyUSD-stableUSD-stableUSD-stable + CRV-denominated
LiquidityOn-demandMostly on-demand · 45% windowedCRV on-demand · PT held to maturity
Number of positions774 (concentrated)
Best forSteady-yield saversRWA-believers seeking max-yieldRisk-on capital, CRV-curious
12-month APY backtest

How each vault has actually performed.

Net APY blended weekly from each underlying position using the same allocation weights vildX uses. Real on-chain data — no projections.

Net APY over time
Blended net APY over 12 months
$1,000 deposited one year ago
$1,000 over 12 months compounded

Backtest only. APY data sourced from DefiLlama and underlying protocol APIs. Past performance does not guarantee future results.

7-year projection

$1,000 today. How much in 7 years?

Same target rates, projected forward. Compound interest does the heavy lifting.

$1,000 over 7 years growth chart

Projections assume yields stay constant; in practice they vary. Past performance is not a guarantee of future results.

The discipline

Five engines. One job.

DeFi adds new yield surfaces every week. APYs shift. Risks evolve. We apply five operational disciplines continuously so you don't have to. Click any engine to learn how it works.

Engine 01
Yield Discovery
Every new protocol, vault, and chain is evaluated as it launches. We read the audits, the docs, the on-chain history — daily. Learn more →
Engine 02
Risk Vetting
Audits, oracle quality, TVL stability, team track record, withdraw mechanics. We say no often — most yields aren't worth the risk. Learn more →
Engine 03
Allocation
Multiple protocols, multiple chains, multiple strategies. No single curator, no single contract, holds more than its risk cap. Learn more →
Engine 04
Active Rebalancing
APYs shift; risks evolve. Weights are reviewed weekly and rebalanced when conditions warrant — not on a fixed schedule. Learn more →
Engine 05
DEX Execution
Gas-aware, MEV-protected on-chain execution. Slippage minimised, timing optimised, every move sealed to the audit trail. Learn more →
The yield surface

Eight strategies. Every dollar can earn.

Stablecoin yield in DeFi lives across eight distinct strategies. vildX covers them all and rotates capital between them as conditions change.

01

Lending markets

Supply to over-collateralised borrow markets. Earn from borrower interest.

Aave · Compound · Morpho · Spark
02

RWA strategies

Tokenised T-bills, private credit, real-world fixed income.

Steakhouse RWA · Ondo · Pharos · Apollo
03

Curated vaults

Risk-managed allocations across markets, run by professional curators.

Gauntlet · Steakhouse · Re7 · Apostro
04

Delta-neutral

Funding-rate capture on perpetuals. Synthetically dollar-pegged.

Ethena sUSDe · Resolv USR · USDtb
05

Fixed-rate PT

Lock in a fixed APY to a maturity date via Pendle principal tokens.

Pendle APYUSD · Pendle REUSDE · Spectra
06

Liquidity provision

Provide capital to stable AMMs. Earn trading fees + emissions.

Curve · Convex · Aerodrome
07

Tranched credit

Senior/mezzanine tranches over hedge-fund or trading-desk strategies.

Pareto · Gauntlet Levered FalconX · Idle
08

Sovereign yield

Native yield mechanisms built into the stablecoin protocol itself.

sUSDS (Sky DSR) · sDAI · USDM
The flow

One deposit. Diversified. Curated.

vildX takes one stablecoin deposit, routes it through three vetted strategies, and lands it in seven curated positions — TVL-weighted, risk-vetted, continuously rebalanced.

😊
you deposit USDC
FRONTIER
vildX
curates + rebalances
RWA Strategies51%
Curated Vaults25%
Tranched Credit24%
Pharos pALPHA25%
Ember Earn Vault20%
R25 Treasury6%
Steakhouse AUSD HY16%
Alpha USDC Asia v27%
Apyx APxUSD2%
Gauntlet Levered FalconX24%

One vault. Three strategies. Seven positions.  Continuously rebalanced. Risk-vetted. Diversified.

⚠

The honest version — read this.

vildX is a non-custodial software platform. Yields are variable and not guaranteed. Past performance does not predict future returns. Smart contract, protocol, and asset risks may result in partial or total loss of principal. Boost is not principal-protected. Not financial advice. Not for U.S. persons. Read full risk disclosures →

We don't chase.
We curate.

Stable, sustainable yield — discovered, vetted, rebalanced. Continuously.

Launch Vaults → Sign in