YLDX.ai (ex-DeFi Bank) is a decentralized finance project designed to provide secure, transparent, and high-yield investment opportunities through three hybrid liquidity pools. Built on smart contracts and decentralized infrastructure, the project is in an active development stage — preparing for licensing under MiCA and launching the alpha version of its platform.
We reached out to the YLDX team and asked them to share more details about the project’s technical architecture, legal strategy, and their vision for the company’s future. Below are the key points provided by the founders.
TL;DR:
DeFi Bank discloses key information about its infrastruct ure, roadmap, and team. The domain was initially registered under a private individual in compliance with GDPR but has since been transferred to YLDX Ltd. (BVI). The project’s core infrastructure is hosted on AWS, while DigitalOcean was used only for fast deployment of the web server. Early VirusTotal flags were triggered by the use of a free SSL certificate, which has now been replaced by a GlobalSign certificate following KYB verification. The platform operates over 530 wallets across three liquidity pools, with full transparency of fund flows to be available in the alpha release. The team has publicly confirmed the identities and experience of its co-founders — Andrey Berg and Scott Page — and outlined plans for MiCA licensing, a full audit, and DAO launch.
1. Infrastructure and Domain
Domain
In the early days, the defibank.online domain was registered under a private individual and its WHOIS information was hidden, as required by GDPR for EU citizens. This sometimes created confusion and made it difficult for users to independently verify ownership. Today, the situation has fundamentally changed: the domain is now held by YLDX Ltd., a legally registered company in the British Virgin Islands. This transition from private to corporate ownership provides full transparency and accountability. As part of its ongoing licensing procedures under MiCA, the project will soon rebrand to YLDX.ai, since companies offering non-bank financial services cannot legally use the word “bank” in their name. The domain will change accordingly, but it will remain under the ownership of YLDX Ltd., ensuring continuity and regulatory compliance.
VirusTotal
Some users previously noticed warnings on VirusTotal when checking defibank.online. These were triggered mainly by factors typical for startups: a recently registered domain, GDPR-protected WHOIS data, and the use of a free SSL certificate from Let’s Encrypt. This setup, while functional, gave an impression of risk. The issue has since been resolved: YLDX is in the final stages of obtaining a GlobalSign сertificate (look here), which requires rigorous KYB checks and cannot be issued to fraudulent entities. Once completed, the VirusTotal status of all YLDX-related domains will automatically update to reflect this higher level of trust.
DigitalOcean
At launch, parts of the web server layer were deployed on DigitalOcean to speed up development and go live quickly in November 2024. This led some to assume the entire infrastructure was hosted there, which was never the case. The core infrastructure — including liquidity pools and smart contract logic — has always been on AWS, connected securely via VPN. DigitalOcean continues to be used only for lightweight web architecture, while the mission-critical systems remain on AWS.
2. Investment Architecture
Since the launch of the project, YLDX has built an extensive technical architecture that enables client funds to be invested securely and reliably across various liquidity pools and protocols. Here is, in brief, how it works:
What happens to client funds and how can they be tracked?
The general process is as follows: Users invest in DeFi Bank by purchasing the $YLDX (ex-$BANK) token.
• User funds are then invested into three pools: Stable Pool, Coin Pool, and DEX Pool.
• Each pool consists of approximately 10 to 15 wallets.
• Every pool has its own dedicated entry wallet.
• Funds collected in a pool via this entry wallet are distributed through bridge wallets (intermediate addresses used temporarily to transfer tokens between networks) and wallet providers (interfaces for blockchain interactions) to the final wallets.
• Overall, YLDX Bank’s infrastructure involves more than 530 wallets.
If you have expertise in on-chain analytics or professional auditing, we offer you a comprehensive wallet scheme of YLDX:
![[1-1.jpg]] ![[2-2.jpg]] Studying the transactions of these wallets will provide a complete picture of fund movements invested through YLDX and demonstrate clearly that client funds are indeed allocated to the pools described.
Moreover, starting from the alpha version of the YLDX application, every client will have immediate visibility of their complete money flow: how their funds are distributed among pools and the returns generated by each pool.
Why does defibank.online currently display only one wallet linked to $BANK, with a placeholder indicating the smart contract address will become publicly available only after the presale?
This was a temporary decision related to:
a) the specifics of the presale stage; b) technical considerations involved in building the infrastructure of pools and wallets.
All wallet information related to the project will become public and fully disclosed in the very near future, accessible both to project clients and publicly.
Yes, this transparency initiative is also directly related to regulatory compliance requirements in jurisdictions where the project intends to operate (such as the US, EU, and others). The project's audit is tentatively scheduled to begin in approximately six months.
Team Information
DeFi Bank Project is leading by Andrey Berg, the co-founder and CEO of YLDX.
![[Screenshot_2025-09-12-13-41-17-304_com.google.android.apps.docs-edit.jpg]]
Andrey has over 10 years of experience in DeFi, which is substantial given the relatively young age of this sector.
Despite keeping a low public profile, Andrey Berg has already been referenced as a DeFi expert in reputable sources. Additionally, Andrey maintains publicly accessible social media profiles, including Instagram: @thebergmindset.
YLDX’s co-founder is Scott Page (@iamscottpage) — a former musician of iconic bands such as Toto, Supertramp, and Pink Floyd, as well as a tech entrepreneur. Scott has notably invested in companies including Walt Tucker Productions, New Media Broadcasting Company, Direct2Care, and GetYourOPI.
On his Instagram, Scott Page personally confirmed his collaboration with YLDX by appearing on the CASA Podcast alongside Andrey Berg.
![[IMG_20250912_133609.jpg]]
The full version of the podcast has not yet been released, but readers of this article can watch a draft version here.
Completeness of Information on the Official Website
The absence of certain key information on the project's website (such as legal entity details, audit reports, results, etc.) is solely due to the current stage of the project's development.
With this article, DeFi Bank team officially confirm that the DeFi Bank project is owned by YLDX Ltd., a company registered in the British Virgin Islands. The CEO, of the company is Andrey Berg. DeFi Bank will be officially rebranded as YLDX.ai in the very near future.
Currently, YLDX.ai is undergoing all necessary legal procedures to obtain licensing in compliance with the European Markets in Crypto-Assets Regulation (MiCA).
YLDX.ai will mandatorily publish its audit data immediately upon completion of the audit process. The audit is regarded by the project’s team as an obligatory procedure for entering new markets (including the EU, US, and other developed jurisdictions).
All the outcomes of these procedures will be made available on the project's official website.
FAQ
We also collected a number of frequently asked questions — both those we've seen circulating in public channels and those we’ve received directly from our community. Below are the most common questions about DeFi Bank’s (YLDX) structure, plans, and participation options — along with our answers.
1. You mentioned licensing your project under MiCA regulations and undergoing an audit. Can you share more about the project’s development plans?
We can't disclose all details yet, but here's our approximate roadmap at the moment:
2025
• Angel Round completed • Pre-Seed Round ongoing • Alpha version of the application launching in 4 months, featuring:
AI agents: Cross-chain liquidityReal-time rebalancingAI-driven marketingPersonal AI BankerCustodian insuranceComprehensive wallet transparency pageDAO pageWhite Label system and dividends from satellite projects
2026 Seed Round, fund licensing, listings (Tier-3, Tier-2)
2027 Tier-1 listing, IPO
2. How can someone participate in YLDX?
There are three main ways you can engage with us:
- Invest in liquidity pools through our platform. If you aren't ready to invest substantial amounts, we recommend using a separate non-custodial wallet with an amount you're comfortable with. If you prefer to wait until our licensing and audits are complete, simply follow our social media channels and await these announcements.
- Invest by purchasing the $YLDX token, which provides dividends from the entire platform. Holding $YLDX grants you DAO governance rights, enabling you to influence decisions on budgeting, marketing, liquidity reserves, and product development. Additionally, 20% of all $YLDX tokens are locked in the DAO treasury, distributing corresponding income shares to active participants. Furthermore, 4% of profits are allocated quarterly to a buyback & burn program, creating a deflationary token model.
- Become our partner: launch a White Label fund under your own brand, or join our 50/50 referral model.
- You've mentioned raising funds through an Angel Round and Pre-Seed Round. Are there any well-known angel investors, names, or funds involved that you can disclose?
- I'd like to invest in YLDX. How can I get in touch? You can contact us at: [email protected]