Get the account they don’t want you to know about.

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Do you ever feel like every time you get a pay raise, the cost of living goes up? Well, you aren’t alone.

That’s why Vie created the Capital Account. The first ever bank account where you can earn a return on ALL of your deposits even if you are spending the entire amount.

The Vie Capital Account

The personal bank account that allows you to spend, save, and grow your money without ever having to lift a finger.

Easy to use as a checking account. Grows over time like an investment. Is sheltered from tax like a life insurance policy.

What Banks do.

Flowchart illustrating banking process from depositing money to investing and lending with profit outcomes.

A checking account is something almost all of us have. Yet they are designed to help the bank more than they helps us. . .How?

  1. When you make a deposit, the cash goes into a reserve. This reserve is what the bank uses to borrow money from the federal reserve.

  2. Then the bank takes the money it borrows and makes business loans, provides credit, and invests them.

  3. They of course get paid back with interest creating massive profits.

  4. Yet the best they can offer us, is free checking. . . .

Infographic showing a circular financial process involving a cycle between 'You', 'Deposit', 'Vie Partner', 'Invest', 'Grow', 'Profit', and 'Lend', with arrows indicating the flow of actions.

What We Do

Advances in technology allow us to verify, view, and validate financial data faster than we ever have.

With a Vie Capital Account, your deposits go into a pool of reserves owned exclusively by you. These reserves are invested in the market generating a return using a safe, low risk strategy.

Like the bank does with the federal reserve, our Capital Account allows you to borrow funds from your own reserve to pay your bills, get out of debt, and invest in your future.

Because you are borrowing money against your own reserve, there is no need to pay it back. It’s your bank!

How it Works

Lift-Off Loan

A Booster That Sets Your Growth Vehicle Up for Success

The lift-off loan is designed to give you enough cash value to borrow against for a full year, while you keep depositing your paycheck into a savings account.

The lift-off loan gets paid back gradually over 20 years, not out of your pocket, but through the policy loan that uses the policy’s own growth.

You never have to personally repay the policy loan. When you pass away, it’s paid back from the policy’s death benefit, and whatever’s left goes to your beneficiaries.

Your Partner

Lift-Off Loan

Growth Vehicle
Up to 13% APY

Capital Account

How You Grow Your Money

Think of it as a savings account where your paycheck lands first, before funding the policy.

The policy has annual limits — go over, and you lose its tax-free growth benefits.

That’s where the capital account comes in. It’s linked to your policy to make sure it’s always fully funded, but never overfunded.

Your Direct Deposit

Your Capital Account - 2%APY

Growth Vehicle
Up to 13% APY

Vie Card

How You Spend Your Money

It works like a secured credit card, giving you full access to your paycheck — just like a regular checking account.

Your credit limit matches your monthly deposits, so nothing’s locked up.

While it carries a standard APR, your balance is paid off each month using a policy loan — meaning no interest ever builds up.

You

Your Card

Your Freedom

Who we work with.

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  • I had a decision to make, keep my current checking account and earn nothing, or switch to Vie, it was a no brainer

    Alex

  • I was stressed. Due to inflation I had stopped retirement contributions cause I needed the money to live, Vie gave me peace of mind

    Pete

Financial app interface displaying cash available, monthly deposits, expenses, policy value, equity, and loan balance on a smartphone screen.

Autonomous Accumulation

You have heard of set it and forget it strategies? Well we took it one step further. Vie’s algorithm deploys a strategy that optimizes performance and mitigates risk.

We handle the entire process, so you can focus on living a stress free life.

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On-Demand Liquidity

Even though we have your money tucked away in this policy protecting it from the taxation, you still have the ability to access spend power just as you would with your everyday checking account.

The entire process is fluid and frictionless.

Contact Us

Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!