# The AI Co-Signer

### 🧠 The AI Co-Signer

**Your built-in bodyguard for every crypto transaction.**

Even if you know what you’re doing in crypto, mistakes can happen.\
Phishing links, fake contracts, shady tokens — all it takes is one bad click.

That’s why every Vault on Locked Money includes something no other platform offers:\
→ An **AI-powered co-signer** that helps stop dangerous transactions *before* they happen.

> It’s like having a 24/7 security expert protecting your assets — and it’s included in the Free Plan.

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### 🔐 What the AI Co-Signer Does

When you initiate a transaction (like a swap, send, or signer change), the AI Co-Signer will:

* ✅ Scan the transaction in real-time
* ✅ Flag unusual patterns or suspicious activity
* ✅ Detect risky smart contracts
* ✅ Block known drainer exploits and phishing behavior
* ✅ Refuse to sign if something looks dangerous

And unlike traditional wallets, **it doesn’t just warn you — it can actively stop a bad transaction**.

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### 🔄 How It Works Inside a Vault

Let’s say your Vault uses **2-of-2** multi-signature approval:

* You create a transaction (e.g. sending USDC to another wallet)
* You sign with your wallet
* The **AI Co-Signer** reviews it
* If everything looks safe, it signs too
* The transaction goes through

But if something’s off? It blocks the signature — and you stay protected.

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### 🧩 Built-In, Not Add-On

* No setup required — every Vault has the AI Co-Signer by default
* Available to all users (Free, Premium, Pro)
* Can be combined with other signers (e.g. your hardware wallet or trusted co-signer)

You can even **replace the AI Co-Signer** with a different signer setup if you prefer — but most users leave it on for peace of mind.

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### 🛡️ What It Doesn’t Do

* It doesn’t control your assets
* It doesn’t make decisions for you
* It doesn’t override your Vault’s signer rules
* It doesn’t collect personal data

> It’s here to assist — not take control.

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### 🧠 Smart Security. Smarter Self-Custody.

Most crypto platforms leave security up to you.\
Locked Money adds intelligence to your defenses — without adding complexity.