Stellar Timelock

Stellar TimeLock is a non-custodial vault wallet that lets you lock, vest, and secure your XLM and Stellar assets on-chain. No middlemen. No servers. No accounts. You hold the keys. ————— WHY TIME-LOCK YOUR CRYPTO? Self-custody means freedom — but also risk. A stolen key can drain everything in seconds. Stellar TimeLock adds a layer of protection that only you control. • Lock funds until a future date (Standard Time-Lock) • Require a mandatory waiting period before withdrawals (Cooling-Off) • Release funds gradually over time (Vesting Schedule) • Set up crypto inheritance with automatic transfer if you go dark (Dead Man's Switch) • Require multiple approvals for large transactions (Multi-Sig) • Cross-chain atomic swaps without an exchange (HTLC) • Lock and vest tokens beyond XLM (Multi-Asset Vaults) ————— HOW IT WORKS Your vaults live on the Stellar blockchain — not on our servers. We have no servers. The app communicates directly with the Stellar network and SimpleSwap for token exchanges. Nothing else. Every vault is a Soroban smart contract. You deposit XLM, set your rules, and the contract enforces them. No admin keys. No backdoors. No one — including us — can override your vault settings. ————— BUILT FOR SECURITY • Seed-derived encryption — one key for everything • Biometric unlock support • Encrypted .stvault backups portable across devices • Browse Without Seed mode — explore before committing • Key Manager — store and manage multiple keypairs • All data stored locally on your device ————— VAULT TYPES Standard Time-Lock — Lock XLM until a specific date. Great for savings goals and self-discipline. Cooling-Off — Every withdrawal requires a waiting period you define. Cancel anytime during the wait. Protection against stolen-key drains. Vesting Schedule — Release funds gradually between two dates. Start immediately or at a future date. Ideal for token distributions, contractor payments, or structured savings. Dead Man's Switch — If you stop sending periodic heartbeats, funds automatically transfer to your designated beneficiary. Crypto inheritance without lawyers. Multi-Sig — Require co-signer approval for withdrawals. Perfect for joint accounts, business treasuries, and family funds. HTLC — Hash Time-Locked Contracts for cross-chain atomic swaps. Lock XLM that only releases when a counterparty provides a secret passphrase before a deadline. Multi-Asset Vaults — Lock and vest tokens beyond XLM. Support for Stellar-based assets. ————— TIERS Free — 10 vaults, $1,000/month deposit limit, Standard Time-Lock Plus ($5/mo) — 25 vaults, $10,000/month, adds Cooling-Off Pro ($20/mo) — 100 vaults, $50,000/month, adds Vesting, Multi-Asset, Multi-Sig Elite ($75/mo) — Unlimited vaults, unlimited deposits, adds Dead Man's Switch and HTLC ————— SWAP Built-in SimpleSwap integration. Exchange XLM for 700+ cryptocurrencies directly in the app. Cross-chain swaps supported. Affiliate-powered — no added fees. ————— OPEN SOURCE VERIFICATION All contract addresses and security information are publicly verifiable on the Stellar blockchain. Audit the app's security at Settings → Audit Our Security Code. ————— Stellar TimeLock is built by StellarTimeLock, LLC in Ohio. No custody. No admin. No backdoor. Just you and the blockchain.