Crypto was built on one idea:
Ownership without permission.
But somewhere along the way, we traded that vision for seed phrases, browser wallets, centralized exchanges, and scattered tools that barely talk to each other.
The result?
Most crypto users are juggling 6 platforms, 4 wallets, 3 spreadsheets, and zero real protection.
Locked Money was created to fix that — and prepare you for the next era of crypto.
❌ The Problem: How Most People Store Crypto Is Broken
Let’s be honest. The “norm” in crypto is anything but safe.
🏦 Centralized Exchanges (CEXs): Custody without control
Exchanges were built for convenience — not true ownership.
Your funds live on someone else’s balance sheet
You’re trusting third parties with your private keys
And when things go wrong (and they have), you’re locked out of your own assets
FTX, Mt. Gox, Bybit, Binance — the list is long.
The story is always the same.
🧾 Seed Phrases: Your biggest vulnerability
Seed phrases were a first step in self-custody… but they’ve become a massive liability.
Lose it? It’s gone forever
Leak it? Game over
Store it wrong? Welcome to phishing season
In 2024, seed phrases are still the #1 attack vector in crypto.
🔥 Hot Wallets: Not built for long-term holding
MetaMask. Phantom. Trust Wallet.
They’re great for connecting to dApps — but they were never meant for storing real value.
Always connected = always exposed.
One malicious signature and your entire portfolio can disappear.
🧊 Cold Wallets: Safe, but stuck
Cold wallets like Ledger and Trezor are secure — but clunky.
Awkward UX
No automation
Little to no DeFi access
No real reporting or visibility
People buy them, use them once, then move their funds back to hot wallets just to interact with crypto.
⚠️ And Now… Regulation Is Catching Up
Crypto isn’t the wild west anymore.
More governments are introducing:
Capital gains tax laws
Mandatory transaction reporting
On-chain surveillance
Fiat on/off-ramp restrictions
KYC enforcement on dApps, CEXs, and even wallets
If you’re not structured — legally, securely, and intelligently — your crypto future is at risk.
🛠️ The Real Problem: Fragmentation
Right now, most crypto users are stuck using:
One platform for swaps
One for cold storage
One for DeFi
One for taxes
One for fiat
One for business tools
And none of it talks to each other
This patchwork setup creates:
Confusion
Risk
Inefficiency
And zero protection if things go wrong
You’re holding your assets like it’s 2017 — but facing 2025-level regulation and risk.
✅ The Solution: Locked Money
Locked Money is the first and only platform to combine:
🔐 Vault-Grade Security
Multi-signature Safes
No seed phrases
AI-powered co-signers to prevent risky transactions
