Sheet 1 of 12
Your money, your rules.
JOIN is one app for your personal, family and business money. You keep the keys, the people you choose approve, and every rule reads like a sentence.
Built on Safe smart accounts. Backed by Altarius.
Stamps. One, the majority or everyone. You choose for each vault.
Rules. Limits and delays, written as sentences anyone can read.
Vault. One address on nine networks, plus Bitcoin and Solana.
Guardians. Two of three restore access after 14 days. Never lose your money again.
Passkeys. Face ID or a hardware key. No secret phrase.
Sheet 2 of 12
A capsule for each part of your life
Each capsule is a space with its own people, vaults and rules. Open one and the whole app takes its colour.
Personal
For you
Everyday money, savings and investments, with your own keys.
Family
For a household
A shared pot, pocket money for the kids, older parents shielded from scams.
Pro
For a company
Treasury, payroll and suppliers, with team rules and an outside manager if you want one.
Collective
For a club or a flatshare
One kitty, shared rules and the same ledger for everyone.
Move money between your capsules in one gesture. From Pro to Personal, JOIN asks whether it is a salary, a dividend or expenses, and keeps the answer for your accountant.
The rail. One tap per capsule.
Your capsules and their balances.
Waiting for your stamp, across capsules.
Recent activity, in plain words.
Sheet 3 of 12
Every payment is a ticket
Nothing leaves a vault until the right people have stamped it, and everyone can read the ticket first.
Someone proposes. Léa asks for €40 for groceries.
Rules check it. Pocket money allows €30 a week, so one stamp is needed.
You stamp it. Face ID on your phone or computer, in one gesture.
It goes out. Network fees covered, logged in the capsule’s activity.
Hold to stamp.
Face ID confirms it.
Sheet 4 of 12
Rules anyone can read
Pick a template, fill in the blanks, choose what happens beyond the limit. JOIN turns the sentence into permissions on the vault.
Léa can spend up to €30 a week from Pocket money.
Example. Léa spends €40. You get a request, and nothing leaves without your stamp.
Within the limit, Léa pays alone. €18 left for her this week.
Templates
- FamilyPocket moneyLéa can spend up to €30 a week. Above that, I approve.
- FamilyProtect a parentAny transfer over €500 from Dad’s vault needs my stamp.
- ProTeam limitBelow €1,000, anyone pays alone. Above, 2 stamps of 3.
- ProPayrollHugo can pay salaries every month, up to €15,000.
- Every capsuleSafety delayWithdrawals over €20,000 wait 24 hours, and Camille can cancel them.
- ProOutside managerAster can move funds between approved strategies, never anywhere else.
Each rule is tested on your last 30 days and installed with a ticket. Rules come with your plan, never sold one by one, and a lower plan never switches off a rule you already have.
Sheet 5 of 12
Euros and crypto, side by side
Receive a salary, pay a supplier, put savings aside, swap a token. Same vaults, same stamps.
One IBAN, shared across vaults
Receive euros by bank transfer and withdraw to your own bank. One IBAN can serve several vaults. Identity checked once, through Monerium.
Send to anyone
A contact, an address, an IBAN or another capsule. JOIN works out which one, and picks the network.
Swap at the best price
Prices compared across several exchanges, with a limit price that holds while the stamps come in.
Bitcoin and Solana, native
Keep them in their own vaults with their own stamps, or convert them as they arrive.
- Salary, chosen
- Dividend
- Expenses
- Other
The reason travels with the ticket into the accounting export.
2 of 3 stamps, and yours is already on it.
Sheet 6 of 12
Security without a secret phrase
No password and no 24 words to hide. Your devices are your keys, and the people you trust are your safety net.
Passkeys
Face ID, Touch ID or a hardware key. Nothing to write down, nothing to phish.
Several stamps
One stamp, the majority or everyone, set for each vault and changed only with a ticket.
Guardians
People you trust help you get back in. They never touch the money.
Safety delays
Large withdrawals wait, and any of your keys can cancel them.
Fingerprints
Every address has its own pattern. A lookalike is blocked until you confirm.
If you lose everything
- Your new phone shows a code.
- A guardian checks it with you by phone.
- Two guardians out of three agree.
- A 14-day delay starts. Any old key can cancel.
- Your new key takes over. Your money never moved.
Recovery runs in an independent open-source tool, launched by a guardian, never from the lost account.
Same first and last characters, different pattern: blocked until you confirm.
Sheet 7 of 12
For businesses: Digital Treasury Management
The same plan, built for teams. Every person and every program gets a role, a limit and a stamp to give.
- OwnerAlexEverything, including the plan and ownership.
- AdminCamillePeople, rules and vaults, always by ticket.
- MemberHugoPays salaries alone, up to €15,000 a month.
- ReaderThe accountantSees everything, proposes nothing.
- External managerAsterMoves funds between approved strategies only.
- Agent, coming nextSupplier botPays known suppliers up to €500 a month.
A ticket with 2 of 3 stamps.
The ledger, printed like a receipt.
Team rules, in plain words.
Kleos Capital distributes onchain vaults under its own brand, with JOIN as the execution layer.
A fund registry, net asset value and settlement in a single ticket, every role held by a vault.
Accounting export with the reason behind every movement.
Sheet 8 of 12
Make it work, at your own pace
Invest, save and schedule from the same vaults, with the same stamps.
Invest
Crypto and tokenised gold today, tokenised stocks and ETFs where your country allows. Every asset says what you really own, and the risks.
Save
A short list of strategies selected with professional curators, each with its risk level and withdrawal delay. Returns are variable, capital is not guaranteed.
Schedule
€100 every 5th of the month into your savings. Stamp once, then it runs on its own within your limit. Stop it whenever you like.
Leverage, with guardrails
Go long or short on bitcoin, ether or major indices on Hyperliquid. You set your own maximum, and positions are isolated by default.
Sheet 9 of 12
Ready for the agents that will pay for you
An agent gets its own key and its own rule, through API or MCP. It pays what you allow, up to the limit you set, and asks you for the rest.
My agent can pay known suppliers’ invoices up to €500 a month. Above that, ask me.
Every JOIN service also works on its own through APIs: swap, wallet infrastructure, euro ramps and yield, for platforms, developers and agents.
Sheet 10 of 12
Security is free. Automation is paid.
Every plan keeps your vaults, stamps, passkeys, guardians, alerts and withdrawals. Plans add rules, vaults and team features.
Always included
On every plan
Vaults with stamps, passkeys, guardians, alerts, lookalike detection and withdrawals.
JOIN Plus
For people and families
[PRICE] a month
More vaults and rules, family templates, Bitcoin and Solana vaults.
Pro
For companies
[PRICE] a month
Team rules, transfers by IBAN, accounting export, an external manager on higher tiers.
- Talk to us
Custom
For curators and platforms
Built around your volumes and your brand.
Rules come with the plan, never sold one by one. A lower plan never switches off a protection you already have.
Sheet 11 of 12
Questions people ask first
Does JOIN hold my money?
No. Your money sits in vaults controlled by your keys and by the people you choose. Nothing leaves without the stamps you set.
What if I lose my phone?
Add a backup key, and pick guardians: people you trust who can help you get back in, after a delay you can cancel. They never touch your money.
Do I need to understand networks?
No. One address works across nine compatible networks, and Bitcoin and Solana get their own vaults. JOIN picks the network for each operation.
Can my company use it?
Yes. Open a Pro capsule for team rules, roles, bank transfers and an accounting export. Curators and platforms can talk to us about a custom setup.
Sheet 12 of 12
Your money, your rules.
Your account, your key and your first capsule, in about two minutes.