Stellar TimeLock▋
Time-Locked Assets. Secure Release.
The only Stellar wallet that won’t let you send without a memo when one is required.
Time-lock savings, encrypted notes, and bill reminders — all in one app.
Your keys, your device, never our servers.
What’s inside
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Memo protection
Address-book aware send flow. If a destination is flagged as an exchange or casino, the wallet refuses to sign without a required memo. No more permanently lost XLM.
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Time-lock vaults
Lock XLM until any future date. Enforced by a Soroban smart contract on Stellar mainnet. No admin key, no emergency exit — what you lock stays locked.
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Encrypted notes & documents
AES-256 sealed on device before it touches storage. Passport scans, seed backups, recovery phrases, tasks, shopping lists — all in one encrypted notebook.
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Bill calendar
Recurring-bill tracker with due-date reminders, multi-currency support, and monthly rollups. Live where your money lives.
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P&L ledger
Track income vs expense with auto-balancing rollups. Tag by category, bulk-import from CSV or TSV, and watch your net position in real time.
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Built-in authenticator
RFC 6238 TOTP codes for your existing accounts. Biometric-gated, encrypted alongside your notes, and Google Authenticator-compatible export.
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Google Drive backup
Envelope-encrypted backup + restore of your entire encrypted vault. The cloud sees ciphertext only. One tap restore on a new device.
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Instant swaps
Powered by Changelly. No accounts, no KYC, and the wallet never touches your seed to complete a swap — you sign locally.