# How Locked Money Works

Locked Money brings together everything you need to store, protect, and grow your crypto — in one seamless platform.

At its core, it’s built around a powerful foundation:

→ **Smart, self-custodial Vaults**\
→ **AI-driven protection and automation**\
→ **Optional legal structure for serious wealth-building**\
→ **All the tools you need, all in one place**

Let’s break it down step by step.

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#### 🔐 Step 1: Create Your Vault

Your Vault is a **seedless, self-custodial Safe**. It replaces outdated wallets and risky seed phrases with:

* Multi-signature protection
* On-chain access control
* Unlimited vaults for different goals or assets
* Zero custody risk — **you own everything**

This is where your crypto lives — and it’s always under your control.

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#### 🧠 Step 2: Let AI Watch Your Back (Free & Premium Plans)

Your Vault doesn’t just store your assets — it protects them.

With the **Free Plan**, every transaction you send is reviewed by your built-in **AI Co-Signer**:

* Detects scams, suspicious contracts, fake tokens
* Refuses to co-sign unsafe transactions
* Stops bad moves before they happen

With the **Premium Plan**, your AI gets even smarter:

* Trade automation
* Smart portfolio insights
* Rule-based strategies
* Always on — always customizable

> Protection and automation, working together.

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#### 🏛️ Step 3 (Optional): Add a Legal Framework (Pro Plan)

Want to run your crypto like a business?

With the **Professional Plan**, you unlock access to your own **Series LLC** — a legal structure that:

* Holds your Vaults at the company level
* Shields your assets from personal risk
* May reduce capital gains tax exposure (jurisdiction dependent)
* Simplifies reporting for the long haul

Your Vault stays fully self-custodial — but now it’s legally structured like a professional entity.

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#### 💼 Step 4: Use Powerful Built-In Tools

No more hopping between platforms.

With Locked Money, you can:

* Swap tokens directly inside your Vault
* Stake LMY or LP tokens and earn rewards
* Connect to dApps (coming 2025)
* Spend with crypto debit cards (coming 2025)
* Move funds between crypto and banks (coming 2025)
* Handle invoicing, payroll, and business tools (Pro Plan)

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#### 📊 Step 5: Track Everything In Real Time

No spreadsheets. No chaos. No guesswork.

Every Vault includes:

* Token breakdowns
* Portfolio history
* Real-time stats
* Staking performance
* Transaction logs — all on-chain, all auditable

***

### 🧩 The Big Picture

> Locked Money brings together everything you were doing across 6 tools — and does it better, safer, and smarter.

This is:

* Self-custody without the stress
* Automation without risk
* Legal structure without paperwork
* Real security with real usability

> It’s crypto custody — done right.