# 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.

***

#### 🔐 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 It replaces outdated wallets and risky seed phrases with: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.

***

#### 🧠 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.

***

#### 🏛️ 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.

***

#### 💼 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)

***

#### 📊 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.


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://locked-money.gitbook.io/locked-money-guide/the-why-and-what-of-locked-money/how-locked-money-works.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.