Idea 25 · Pocket, the flagship (a working name)
Your bank money and your stablecoins in one place, sent by a tag not an address, across borders in seconds, and programmable enough that a normal person can actually use it. Self-custody, and KYC only when you need it.
A scripted demo. The wallet is made the moment money arrives; your bank money and stablecoins show as one, you send to a tag not an address, and a when-then rule takes one tap.
Nobody wants a wallet, so we never sell one. It is made for you, in seconds, the moment something arrives. Every door in is a receive.
"You just received points."
Here is the wallet we made for you.
"I will transfer you money."
Anyone, even a stranger, even from another country, sends to your tag, a link, or your IBAN, and the wallet is already there.
"Let's start a pot for the trip."
You create it and the seats for your friends; they open it and their wallet already exists.
"Someone set up a habit wallet for you."
Open it and your progress is already there, from a Pact somebody set for you.
"Someone made a wallet for you."
A gift, a start, a nudge, ready to use.
Wallets are painfully unfriendly: seed phrases, 0x addresses, front-loaded KYC, gas fees nobody understands, and crypto shoved in a separate tab from your actual money.
Programmable money exists, but normal people cannot program it.
Moving money across borders is slow and expensive, and the firms building the rails often do not understand crypto.
Building a wallet means becoming a VASP. That compliance wall is why every existing wallet is either unfriendly or closed.
Your open-banking accounts and your stablecoins, together, as one number. Not crypto sitting in a separate tab from your actual money. This is the crown jewel: getting money on is dead simple, and it is all just your money.
It is created for you when value arrives, and you get a tag, your handle. Not anonymous by default, but as private or public as you want it to be.
A stranger can send to your tag, a link, or your IBAN, from their bank or in stablecoins, across borders, and it just lands.
Your open-banking accounts and your stablecoins in one place, with gas fees explained in plain words and the right network chosen for you.
Pay @sam, never a string of forty characters.
The same primitive as When Then Pay, in a wallet a normal person can drive. Co-owners and a say over custody, too.
Never a giant form. The more you verify the more you unlock, on-ramp and higher limits, and only when you need it.
You hold your own keys, and we are not the custodian. Where custody is genuinely needed, it runs through a licensed partner.
Gas fees explained in plain words, the right network chosen for you, and simple, engaging extras like the news, in-app.
This is where the deck's money ideas converge, and each is also a door in.
Rewards for saving, earning and referring, never for spending or risky trading.
A reason to keep money here that is on your side, not the house's.
Free to hold, receive and send. Fees on on-ramp, cross-border and premium programmability, and later a business and bank-integration tier.
Crypto-native at heart, taken as seriously as a bank. Not a cowboy crypto app, not a slow bank: the friendly middle nobody occupies.
Ship fast, feature after feature, stablecoin-native from day one.
The Revolut arc, but crypto-native and bolder: earn trust, add feature after feature, and grow into a licensed, regulated bank.
No. It is made for you the moment someone sends you money, points or a pot invite.
No. Self-custody first, you hold your keys; where custody is needed it runs through a licensed partner.
Yes, to your tag, a link or your IBAN, from their bank or in stablecoins, across borders.
No, that is the point: one balance, open banking and stablecoins together.
Handled and explained for you. You should never have to think about a network.
A friendly wallet today. A licensed, regulated bank in ten years.
All ideas