01 / INDEPENDENT IT CONTRACTORS
Between projects.
Keep moving.
Independent IT contractor or developer? Explore earning on eligible balances between client invoices and your next project.
IT consultants · developers · tech specialistsSMALL BUSINESS SAVINGS ACCOUNT
You work hard.
Your money
should too.
Whether you’re an IT contractor, a handyman or another small business owner, put your idle business dollars to work. From retained earnings to money set aside for taxes, explore earning on eligible funds with vildX.
One-person businesses welcome. No employees required.
Live APY—%
3-month trailing APY—%
$0 vildX savings fees
No fixed lock-up on eligible savings
Your wallet. Your control.
FOR THE BUSINESS YOU RUN
One person.
Big plans.
You don’t need employees to open an account. Whether you work alone or have a small team, explore savings for the business you’re building.
Between projects.
02 / HANDYMEN & HOME SERVICES
From one job
to the next.
Handyman, cleaner or landscaper? Put eligible balances to work while you plan your next job or equipment purchase.
Repairs · maintenance · local services03 / FREELANCERS & CONSULTANTS
Your skills.
Your business.
Designers, photographers, bookkeepers and other solo service providers can open an account, even when they work alone.
One-person companies and small teamsChoose balances that suit your access needs and risk tolerance. Consider upcoming taxes, bills and operating costs before allocating funds.
LET’S PUT SOME NUMBERS TO IT
Same balance.
More possibility.
Move the slider. Choose a timeframe. See an illustration using the 3-month trailing APY.
Illustrative timeframe
ILLUSTRATIVE EARNINGS
CAD
over 12 months
Illustrative ending balance
—%3-month trailing APY
Historical performance. Variable.
AN EXAMPLE, NOT A FORECAST.Historical performance. Variable.
Illustration assumes the displayed 3-month trailing APY of —% remains unchanged, with earnings reinvested and constant exchange rates. It uses annual compounding over the selected period, before taxes. vildX covers platform third-party costs, except retained yield. CAD is an illustrative display; underlying balances use stablecoins. This is not a live conversion, forecast or guaranteed return. About currency and access. Rates and risks · Currency information
LESS FRICTION. MORE ROOM TO BUILD.
Built for your business.
Designed around you.
$0
No savings fees.
We don’t charge account or management fees, or take a cut of your savings earnings.
Yours.
Control stays with you.
A self-custodial wallet with clear visibility over your balance. You review and authorize your transactions.
Wallet infrastructure by Privy, a Stripe company.Flexible.
Room for the next step.
No fixed lock-up or notice period on eligible savings. Choose an allocation that fits your plans.
Access remains subject to product terms, underlying liquidity and network conditions.Deposits and withdrawals provided by
Paytrie AB Inc.FINTRAC registration: M19690633Wallet infrastructure
PrivyA Stripe company
A CLEAR WAY TO GET STARTED
A few steps.
A new possibility.
Bring your business, your questions and your plans. We’ll help you understand the available options.
Book a 15-minute call- 01
Tell us about your small business.
Create your account and complete the identity and business verification required for your setup.
- 02
Fund your account.
Follow the available funding options in the app. Deposits and withdrawals are provided by Paytrie.
- 03
Choose what works for you.
Review the available yield, product terms and liquidity, then allocate an eligible balance. Track it in vildX.
KNOW WHAT YOU’RE CHOOSING
Your questions.
Clear answers.
Let’s make the details as straightforward as the next step.
Chat with vildXCan I open an account if my business is just me?
Yes. Canadian businesses run by one person can open a vildX Small Business Savings Account. You don’t need employees or a larger team. This includes independent IT contractors, handymen, freelancers and other service providers. Account and business verification, availability and eligibility requirements apply.
What are the live and trailing APYs?
Live APY is the latest annualized net rate reported by Morpho for the source vault, including any external rewards. The 3-month trailing APY annualizes the vault’s share-price growth over a rolling 92-day window and excludes separately paid rewards. Both reflect underlying vault fees. We show the trailing rate only when at least 90 days of recent history is available. The calculators use that trailing rate, held constant for illustration. These are annualized rates, not the return for a three-month deposit. Rates are variable and future returns are not guaranteed. View the source vault on Morpho.
Is this a bank deposit?
vildX is a self-custodial software platform, not a bank. Balances are not bank deposits. Eligible yield comes from underlying on-chain products, which involve stablecoin, smart-contract, protocol and liquidity risks. Review the risk disclosures and product terms before allocating funds.
Can I access my balance when I need it?
Eligible savings have no fixed lock-up or notice period. Withdrawal availability and timing still depend on the selected product, underlying liquidity, network conditions and any conversion or payout provider. Plan around upcoming obligations and review the details in the app.
What does vildX charge?
vildX charges no account or management fees and currently takes no cut of your savings earnings. Merchants pay 1% of each accepted Scan & Pay transaction. vildX covers platform network, protocol and other third-party costs, except retained yield. See merchant pricing and review any displayed costs before confirming. vildX may introduce or change any of its fees with at least 7 days’ advance notice. See fee terms.
Why does the calculator use CAD?
CAD makes the illustration easier to explore for a Canadian small business. Current underlying balances and supported payments use stablecoins such as USDC. The calculator does not perform a live conversion and assumes exchange rates stay unchanged. Actual CAD values can change with currency movements and conversion costs. Read the currency disclosure. Deposits and withdrawals are provided by Paytrie.
Can my shop also accept payments?
Yes, participating merchants can accept vildX Scan & Pay for a 1% fee on each transaction and explore earning on eligible balances. See our merchant page for the payment flow, setup and availability.
GOT A COUNTER, TOO?
Get paid.
Keep your possibilities open.
For shops, cafés and service businesses, Scan & Pay brings QR acceptance and eligible earning balances into the same vildX experience.
Explore vildX for merchants
From the counter to what’s next.