Vaults & Self-Custody
Everything you need to know about how Vaults work and how your assets stay protected.
💼 What is a Vault?
A Vault is your secure, self-custodial container for crypto inside Locked Money. It’s like a smart wallet — but safer. Each Vault is fully on-chain, multi-signature protected, and seedless by design.
🔐 How is a Vault different from a regular wallet?
Unlike typical wallets (like MetaMask), Vaults have:
No seed phrase to lose or leak
Multi-signature approval for every transaction
Optional AI co-signing for added protection (coming 2025)
On-chain, auditable logic
The ability to tie to a legal structure (Pro Plan)
🧠 Do I need a seed phrase?
Nope. One of Locked Money’s biggest strengths is being 100% seedless. No paper backups. No 12-word phrases to protect. Vaults are created through secure smart contracts and signer wallets — not old-school recovery phrases.
🆘 What happens if I lose access to my wallet?
If your wallet is compromised or lost, you can recover control using your multi-sig setup. With two signers (like you + AI Co-Signer or another trusted wallet), you can:
Remove the compromised signer
Add a new one
Keep your Vault (and funds) secure
For now, the AI Co-Signer is launching in 2025 — but Vaults are already structured to support future signer flexibility.
🔢 Can I create multiple Vaults?
Yes. You can create unlimited Vaults. Many users organize them by purpose:
Trading Vault
Long-term HODL Vault
Stablecoin Vault
Business Vault (Pro Plan) Each Vault operates independently but is managed through your single interface.
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