# Introduction to Banking at Locked Money

**Crypto meets real-world banking — without the headaches.**

Banking has always been the messy part of crypto. Long delays, hidden fees, confusing KYC, and the dreaded “temporarily suspended withdrawals” on centralized exchanges.

At Locked Money, we’re putting an end to that.

We’re building the *easiest*, *most secure*, and *most direct* on/off-ramp in the industry — so you can finally move between crypto and fiat without friction, stress, or compromise.

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#### 🔁 On and Off-Ramps, Reinvented

With Locked Money, you can now move funds:

* From **crypto to your bank account**
* From **your bank account into crypto**

And you can do it:

* Using **your own wallet**
* Or using a **Locked Money Vault** for added multi-sig security

This isn’t just another "deposit your funds to our wallet" scheme. Your funds move *directly* between your self-custodied wallet or vault and your real-world bank — just how it should be.

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#### 🌎 Global Currencies, Global Reach

We support **many of the world’s major currencies** — including USD, GBP, EUR, CAD and more. And we’re rapidly expanding to include **all major fiat currencies**, across **all major jurisdictions**.

This is the first step toward **true worldwide crypto banking access** — and we’re leading the way.

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#### ⚡ It’s Not Just Secure — It’s Effortless

* **Minimal, lightning-fast KYC**\
  No weeks of waiting. Account setup takes **minutes**, not days.
* **No deposit step**\
  You don’t need to send funds to an intermediary wallet first. It’s direct. From wallet → to bank. Or bank → to wallet.
* **Unlimited transactions**\
  No silly daily caps. Each transaction can be up to $500,000 — one of the highest limits in crypto. And yes, you can do as many as you want.
* **One of the lowest fees in the industry**\
  Just **1.5%**. No hidden costs. No surprise FX fees. Might be slightly higher for certain jurisdictions.
* **Blazing fast transfers**\
  Get your funds in or out *faster than most bank-to-bank wires*.

***

#### 🔒 Built for Self-Custody. Powered by LM.

Use your **own wallet** — or add security with a **Locked Money Vault** (multi-sig, seedless, soon AI co-signed).

Whichever you choose:

* You remain in control.
* Your funds remain decentralized.
* No centralized custody. Ever.

***

#### 🚀 The Mission

Our goal is simple:\
To become the **most convenient crypto on/off-ramp on Earth**.

We’re here to eliminate the clunky mess that’s plagued crypto banking for a decade — and replace it with something smooth, global, and built for actual users.

Whether you’re a power user, a founder, or just starting out — **crypto <> fiat should be as easy as swapping tokens**.

Now it is.\
Welcome to banking, the Locked Money way.