A disciplined, on-chain savings platform designed to foster financial growth through cryptographic commitments and verifiable audit trails.
Modern digital wealth is highly liquid, which often leads to financial indiscretion. Traditional savings accounts and wallets make it too easy to "dip into" funds meant for long-term goals or essential IRL (In Real Life) expenses like rent, taxes, or business capital.
Furthermore, when users need to prove their financial stability to third parties (landlords, auditors, or banks), they often lack a verifiable, tamper-proof audit trail that proves they have the discipline to hold and commit capital over time.
This platform provides a Strategic Commitment Layer for your capital. By moving beyond simple "storage," it introduces:
- Enforced Discipline: Funds are cryptographically sealed for a user-defined period. This removes the temptation of impulsive spending and ensures that savings goals are met.
- Verified Audit Trails: Every financial action—from the initial deposit to the final maturity—produces a cryptographically signed receipt via the ProofRails SDK. This creates an immutable history of your financial commitment.
- Real-World Utility: Users can generate professional, verifiable reports that prove their savings history and current locked-in reserves. This bridges the gap between on-chain assets and real-world financial requirements.
Users can initiate fixed-term savings plans. Once funds are committed, they are sealed on-chain until the maturity date. This creates a psychological and cryptographic barrier against unnecessary spending.
While the protocol encourages discipline, it allows for flexibility in emergencies. Users can recall their capital before the maturity date, subject to a calculated "Indiscretion Fee," which is then displayed in their financial analysis to encourage better future habits.
A visual center for tracking wealth trajectories.
- Balance Growth: Visualizes how committed capital scales over time.
- Audit Distribution: Provides a categorized view of all financial proofs and receipts.
The platform bridges the gap to IRL payments by allowing users to export their financial history into Official Statements. These documents include verification hooks (QR links to on-chain explorers) so third parties can trust the data without needing to be crypto-experts.
- ProofRails Integration: Utilized to sign and verify every critical transaction, ensuring that the user's "Audit Trail" is cryptographically sound.
- Non-Custodial Architecture: Users maintain full control over their funds; the protocol merely provides the discipline-enforcement layer.
- Professional Reporting: Integrated PDF/CSV generation logic to transform raw blockchain data into readable financial documents.
- Install Dependencies:
npm install - Configure API: Set up your
NEXT_PUBLIC_PROOFRAILS_KEYin your environment. - Launch:
npm run dev