> For the complete documentation index, see [llms.txt](https://locked-money.gitbook.io/locked-money-guide/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://locked-money.gitbook.io/locked-money-guide/getting-started/vault-security-and-signers/how-multi-sig-works.md).

# How Multi-Sig Works

### 🔐 How Multi-Sig Works

**More signers = more safety. And that’s built into every Vault.**

Most wallets use a single private key to approve every transaction.\
Lose that key? You lose everything.\
Get hacked? You lose everything.\
Click the wrong link? You guessed it — gone.

Locked Money does things differently.

> Every Vault is **multi-signature by default** — meaning it takes more than one approval to move your assets.

***

#### 🧠 What Is Multi-Sig?

**Multi-signature** (multi-sig) is like a two-step approval process for crypto.\
Instead of just one wallet signing a transaction, your Vault can require multiple — like needing 2 out of 3 signers to approve.

This way:

* If one device is lost, your assets are still safe
* If a signer is compromised, they can’t act alone
* You stay in control — and attackers stay locked out

***

#### 🔑 How It Works in Locked Money

When creating your Vault, you can choose your signer setup:

* **Single signer** (not recommended)
* **2-of-2** (default for many users)
* **Custom setups** like 2-of-3 or 3-of-5 for advanced use cases

Each signer can be:

* A wallet you control (MetaMask, Rabby, hardware wallet, etc.)
* A trusted co-signer (e.g. a teammate, assistant, or cold wallet)
* Your **AI Co-Signer** (Free Plan) — which acts like a smart guardian, blocking risky transactions

> Need more signers later? You can add or remove them anytime — securely.

***

#### 🔄 Example: How a Transaction Works

Let’s say your Vault requires **2-of-2 signers**.

* You create a transaction inside your Vault
* You sign it with Wallet A
* The transaction now waits for Wallet B
* Once both signers approve, the transaction executes

***

#### 🛡️ Why It’s Safer Than Seed Phrases

* No seed phrase to lose or leak
* No need to write anything down
* No single key that unlocks everything
* Signers can be spread across devices or locations
* Signer wallets can be swapped if one is lost

***

#### 🧩 Built for Flexibility

Whether you're a solo user or managing a company treasury:

* Set simple 1-of-2 signers for quick security
* Or go full 3-of-5 for serious asset protection
* Add or remove signers anytime
* Include the **AI Co-Signer** (Free Plan) for added protection

> Your Vault, your rules — always in your control.

## 💬 Recommended for Maximum Protection

To get the full benefits of Locked Money's multi-sig security, we highly recommend:

* Adding **at least two wallets** when creating your Vault\
  (Otherwise, it behaves like a single-signer setup — and you lose the protection multi-sig provides.)
* Using **more than two signers** if possible, to guard against loss of access.\
  (Example: 2-of-3 setup — even if one wallet is lost, you stay safe.)

For the ultimate security experience, we recommend using our official partner:\
**Tangem x Locked Money hardware wallets.**\
These card-style cold wallets offer seedless, tamper-proof protection — perfect for acting as one of your Vault signers.

With proper multi-signature setup and trusted devices, your assets stay truly locked, protected, and under your full control.