Money for home, spent the way your family agreed.
Siblings abroad pool money into one family pot for their parents. It's locked to food, rent and school fees, and an AI guardian checks every payment before it goes out.
- Android, iPhone and web
- Fund from any chain
- Shops paid in naira
The idea in 30 seconds
Pool
Siblings abroad fund one family pot from any chain or stablecoin.
Lock
The family splits it into purposes and agrees the rules together.
Guard
An AI guardian checks each payment against those rules.
Spend and see
Parents pay shops they trust in naira, and everyone gets the receipt.
Sending money home is easy. Knowing it helped is not.
No visibility
Once money lands, you can't tell if it paid school fees or went somewhere else.
Pressure at home
Cash in an account invites requests. Money locked to a purpose is easier to protect.
Siblings out of sync
Several children send separately, with no shared view of who covered what.
Lost along the way
Fees and poor exchange rates shrink every transfer before it arrives.
From a wallet abroad to a receipt from the shop down the road.
Siblings fund
Each child sends from any chain. NEAR Intents converts it to a stablecoin.
Split by purpose
Food, rent, school fees, or any purpose the family names.
Guardian checks
Parents request a payment. The guardian approves it if it fits, or asks the siblings.
Shop paid in naira
It lands in the shop's bank account as a normal transfer.
Everyone sees it
Every sibling gets the same receipt. Unspent money rolls over.
One pot. Every sibling. Decisions made together.
Each pot is a shared wallet on NEAR, run on Sputnik DAO. Siblings are its members, so the money and the rules belong to the whole family, not one person.
Shared contributions
See who funded what, every month.
Vote on big changes
A bigger rent budget needs, say, 2 of 3 siblings.
Shops approved together
New merchants are added with the family's say-so.
Gasless for parents
The app covers fees, so parents never hold NEAR.
It can approve a payment. It can't take one.
The guardian checks every request against the family's rules. Its key has one job: approving payments that fit. It can't change rules, add members or move money on its own.
- Checks the rules: approved shop, category budget, daily cap, cooling-off for new shops, account name match.
- Escalates the unusual: anything outside the rules goes to the siblings.
- Parents can only ask: a stolen phone can't send money anywhere.
Approved shop · Food budget · Under daily cap · Name matches
Not an approved shop and over the daily cap. The siblings have been alerted.
Have a bank account? You're already set up.
No app, no terminal, no crypto. Shops receive a normal naira bank transfer, the same as any other payment. Parents add the shops they use, the account name is checked, and the family approves.
Bank transfer received
Questions, answered
Do my parents need to understand crypto?
No. They see balances in naira, scan or tap to pay, and never pay transaction fees.
Who controls the family pot?
The siblings, together. Big changes like new budgets or members need the votes the family agreed on.
What exactly can the AI guardian do?
Only approve payment requests that follow the family's rules, and flag the rest. It can't move money itself, and the siblings can remove it at any time.
How do shops get paid?
By normal naira bank transfer. Any shop, school or landlord with a Nigerian bank account can be paid.
What if a parent's phone is stolen?
The phone's key can only request payments to approved shops. Anything else is blocked and the siblings are alerted.
What happens to money that isn't spent?
It stays in the pot and rolls over to next month, unless the family votes to return it.
Send love home. Know it landed.
Pool together, agree the rules, and let the guardian keep every naira on purpose.