CryptoOwnBank — Frequently Asked Questions

Why was CryptoOwnBank created? (And why should I use it?)

CryptoOwnBank was created because exchanges can fail, freeze, or go bankrupt — and when they do, your funds are trapped. FTX. Celsius. Voyager. Mt. Gox. People trusted platforms with billions, and those platforms failed. CryptoOwnBank exists so your crypto is never in anyone else's hands. We built it to solve five problems: (1) Full ownership — your wallet stays in your control. We never see or store your private keys. Even if you leave CryptoOwnBank, your crypto stays in your wallet. You're never locked in. (2) Real yields you keep — discover third-party yield opportunities such as Soil Protocol on RLUSD (Soil Treasury / CREDIT+ publish target rates that change — rates vary and are not guaranteed). Keep earnings from protocols you choose — we never take a cut of protocol yield, and we never hold your keys or funds. (3) Security on your terms — cold wallet, hot wallet, hardware or phone signing. You choose. No uninterested third party in your decision-making process. (4) All the work is done for you — the Recommendations Hub surfaces yields you'd miss, Statement Insights compares your bank rates vs. on-chain, and the information comes to you instead of you going looking. (5) Think in value, not USD price — the dollar loses purchasing power every year, but an XRP is an XRP no matter whose hands it's in. We help you see what your crypto can do, not just what it's 'worth' in a shrinking currency. This is where everything starts. And it doesn't end — the Legacy Plan (dead man's switch) helps heirs follow a recovery guide you prepare if something happens to you — it is not a guarantee of recovery, and we never store your seeds. Not to an exchange. Not to a bankruptcy court. To the people you chose.

What is CryptoOwnBank?

CryptoOwnBank is where everything starts — and it doesn't end. Own your crypto, manage it from one interface, keep all your earnings. All the work is done for you: the Recommendations Hub surfaces yields you'd miss, Statement Insights compares your bank rates vs. on-chain, tax reports are generated automatically, and the information comes to you. Track your portfolio across 33 supported blockchains, explore third-party yield opportunities on RLUSD (rates vary; not guaranteed), trade on native DEXs, send payments globally — your keys stay in your hands. Free accounts can track 1 blockchain address and connect 1 exchange; Premium and Pro remove those limits. CryptoOwnBank never holds member keys or funds. Choose your security: cold wallet, hot wallet, hardware or phone signing. If you ever leave, your crypto is still in your wallet. And the Legacy Plan helps heirs follow a recovery guide you prepare — a guide, not a guarantee; we never store your seeds — so planning does not end with you. Whether you're unbanked, debanked, or simply tired of trusting platforms that can fail — CryptoOwnBank gives you the tools to be your own bank.

Why does CryptoOwnBank focus on XRPL and Stellar instead of Ethereum, Solana, or BNB Chain?

Because we don't believe in patchwork. Look at what it takes to do a simple token swap on most blockchains today: on Ethereum, you need a MetaMask wallet, connect to Uniswap (a third-party app), approve a smart contract to spend your tokens, pay $5–50 in ETH gas fees, and hope the contract hasn't been exploited — all for one trade. On BNB Chain, it's a different wallet, a different DEX (PancakeSwap), a different gas token. Solana? Another wallet, another aggregator (Jupiter), another set of permissions. Every chain bolts on more third-party apps, more intermediaries, more points of failure. Now look at the XRP Ledger: the decentralized exchange is built into the protocol. There's no Uniswap equivalent because there doesn't need to be — the exchange is the chain itself. You open your Xaman wallet, pick a pair, sign the trade, and it settles in 4 seconds for a fraction of a penny. No smart contract risk. No third-party app to trust. No governance token to hold. Stellar works the same way — a native DEX at the protocol level, with XLM as the bridge currency. That said, we know many users already hold ERC-20 tokens. That's why we built EVM Swap with multi-DEX routing — 1inch for best-price aggregation, plus automatic fallback to native DEXes (Uniswap, PancakeSwap, QuickSwap, SushiSwap, TraderJoe) for tokens that 1inch doesn't cover. Cross-Chain Swap (powered by LI.FI) handles bridging between chains. Connect via MetaMask, WalletConnect (scan a QR code with any of 50+ mobile wallets), or Ledger. Your tokens never leave your control. Native DEX simplicity on XRPL/Stellar, best-price aggregation and cross-chain bridging on EVM chains.

What blockchains does CryptoOwnBank support for portfolio tracking?

We support 33 blockchains for portfolio tracking: XRP Ledger, Bitcoin, Ethereum, Solana, Cardano, Polkadot, Cosmos, Avalanche, Polygon, Tron, Algorand, Hedera (HBAR), VeChain, Stellar, TON, Sui, Flare, BNB Chain, Sonic, XDC, Zilliqa, Nervos, Fetch.ai, Cronos, Constellation, Arbitrum, Optimism, Base, Dogecoin, Litecoin, DigiByte, Casper, and Verge. Add your public wallet address for any of these chains and we automatically pull available balances. This includes AI agent wallets — if you're running agents via Coinbase AgentKit, x402, or any other framework, just paste the agent's public address and track it alongside your personal wallets. Your private keys are never shared — we only read public on-chain data.

What does 'Bring Your Own Wallet' mean?

It means you keep using whatever wallets you already have — Phantom for Solana, Keplr for Cosmos, Yoroi for Cardano, MetaMask for Ethereum, Xaman for XRP, or any other wallet on any chain. We don't replace those wallets. You just add your public wallet addresses to CryptoOwnBank, and we automatically detect your balances, staked positions, pending rewards, and idle assets across all of them. Already staking ATOM in Keplr? We see it. Already delegated ADA in Yoroi? We track those rewards. SOL staked in Phantom? It shows up automatically. Instead of opening five different apps to check what you own and what you're earning, you see everything in one dashboard — with the Legacy Plan covering all of it, the Recommendations Hub surfacing opportunities you might be missing, and Tax Reports handling the gains. Your wallets do the work on each blockchain. We bring it all together.

How does CryptoOwnBank compare to traditional banks and crypto exchanges?

Banks offer 0.01–4.5% yield but you're an unsecured creditor — if the bank fails, you're in line hoping to recover your money. Centralized exchanges (Uphold and other custodial platforms publish rates that change%) hold your keys custodially — and when exchanges fail (FTX, Celsius, Voyager), customers lose everything. CryptoOwnBank helps you discover third-party paths like Soil Protocol (published target rates change; rates vary and are not guaranteed) while you own 100% — keys stay in your wallet, you sign every action, and we never hold your funds. Protocol yield goes to your position — not to us. The critical difference: your crypto is never in anyone else's hands. No exchange can freeze your account, no bank can deny you access, and you choose your own security level. Our Recommendations Hub analyzes your entire portfolio and surfaces the best on-chain opportunities — always prioritizing options where you keep your keys.

What is the Best in Class tab?

The Best in Class tab in your Recommendations Hub ranks the highest-yielding opportunities across all crypto assets, organized into four categories: On-Chain Staking (you keep your keys — e.g., ATOM, DOT, AVAX — published staking rates change; rates vary; not guaranteed), DeFi Yield (you keep your keys — e.g., Soil CREDIT+, Jito SOL, Morpho USDC — published targets change; rates vary; not guaranteed), Passive Earning (automatic yield like VET generating VTHO), and Exchange Earning (custodial, for comparison). Each entry links directly to the platform. If you already hold an asset, it's tagged with a 'You Hold This' badge so you can see what you're already set up to earn from.

What does 'on-chain' vs 'custodial' mean in recommendations?

Every yield recommendation on CryptoOwnBank is clearly tagged. On-chain (green globe icon) means you keep full ownership of your assets — your keys stay on your cold wallet, and the yield comes from a blockchain protocol you interact with directly. Custodial (amber building icon) means you hand your assets to a company (like an exchange) that holds them on your behalf — they control the keys. We prioritize on-chain options because 'not your keys, not your crypto.' Custodial options are shown for comparison but always labeled as tradeoffs.

What is EVM Swap, Cross-Chain Swap, and XRPL Bridge?

EVM Swap lets you trade thousands of ERC-20 tokens on a single chain — Ethereum, Polygon, Arbitrum, Optimism, Base, Avalanche, or BNB Chain. It uses multi-DEX routing: first it checks 1inch for the best aggregated rate across dozens of DEXes, and if a token doesn't have enough liquidity on 1inch (common with new or micro-cap tokens), it automatically falls back to the chain's native DEX — Uniswap, PancakeSwap, QuickSwap, SushiSwap, or TraderJoe — so you can swap any token that has a liquidity pool, all without leaving the site. It shows your live token balances (native + ERC-20), includes a MAX button for quick fills, and lets you switch between MetaMask and WalletConnect without leaving the page. Cross-Chain Swap goes further — powered by LI.FI, it bridges and swaps tokens across different EVM chains in one flow. XRPL Bridge is bidirectional — powered by Axelar: EVM→XRPL uses Squid Router (connect MetaMask or WalletConnect, enter your XRPL address, bridge from any of 7 EVM chains to native XRP), and XRPL→EVM uses Xaman signing (send XRP to the Axelar gateway with a memo specifying your destination EVM chain and address — your tokens arrive on Ethereum, Arbitrum, Optimism, Base, Polygon, Avalanche, or BNB Chain). Both directions are non-custodial, Axelar-secured, and settle in minutes. All three tools support MetaMask, WalletConnect (50+ mobile wallets), and Ledger. Premium or Pro subscription required.

What is the Aave Hub?

The Aave Hub (Pro tier) lets you supply, borrow, repay, and withdraw on Aave v3 across Ethereum, Base, Arbitrum, and Polygon — without leaving CryptoOwnBank. Connect your MetaMask or WalletConnect wallet, pick a chain, and you see live supply and borrow APYs straight from the Aave v3 Pool contract (no third-party indexer, no lag). Your supplied positions and borrowed positions are read on-chain and refresh every minute. Click Supply, Withdraw, Borrow, or Repay and we build the transaction — your wallet pops up to sign it. CryptoOwnBank never holds your keys, never holds your funds, and never takes a fee on your Aave activity. Supply flows include the standard ERC-20 approve step (sign once per token amount). Borrowing shows your live health factor with a color-coded warning when it's getting close to liquidation. The page is a UI to a public, open-source protocol — we are not affiliated with Aave Companies or the Aave DAO, and we don't provide financial advice. Borrowing carries real liquidation risk: if your collateral value falls or your debt grows, Aave will sell part of your collateral plus a penalty. Most safe borrowers keep their health factor above 1.8. v1 supports USDC, USDT, DAI, WETH, WBTC, cbBTC, and WMATIC where each is available; more chains and assets are easy to add.

Does CryptoOwnBank control my money or make decisions for me?

No. We're built around one simple idea: we bring everything to the table, and you're the only one who says yes. Here's what that means in practice — (1) We're the table: everything you need to set up, review, and act on is gathered in one place. (2) We're the explainer: we tell you in plain words what each step does before you do it. (3) We're the checklist and tracker: we make sure nothing that needs doing gets missed, and you can follow along after. (4) You're the only one who says yes: nothing happens until you approve it with your own wallet. We never hold your money, your keys, or your recovery phrase, and we never decide who you're allowed to deal with. We're not trying to hook into everyone and everything — the power stays with you and the technology, not with us. That's the difference between a tool that works for you and a company that works on you.

How does CryptoOwnBank make money?

Three subscription tiers: Free (1 blockchain address, Soil vault access), Premium ($29/mo or $199/yr — unlimited wallets, DEX trading, full Recommendations Hub), and Pro ($99/mo or $799/yr — treasury tools, team seats, Legacy Plan, DeFi borrowing). Nine optional add-ons for multi-chain tracking, technical analysis, payment tools, and legacy planning. Affiliate referrals from exchange links and Soil referrals (disclosed transparently). A 1% platform fee on EVM Swap trades (powered by 1inch) and Cross-Chain Swap trades (powered by LI.FI). We never take fees from your yields or principal. You keep 100% of what you earn. And because we're non-custodial, we never hold your assets — if you cancel your subscription, your crypto is still in your wallet exactly where you left it.

What fees does CryptoOwnBank charge for swaps?

EVM swaps routed through 1inch and Cross-Chain Swaps routed through LI.FI include a 1% CryptoOwnBank platform fee in the quote. Native XRPL and Stellar DEX trades do not add a CryptoOwnBank platform fee. Network gas, DEX liquidity, bridge, and third-party provider costs can still apply; review the displayed quote before signing. A direct native-DEX fallback route may also have its own DEX and network costs.

Why should I join now?

Because this migration is already happening — and the people who move first benefit the most. Finance is moving on-chain: stablecoins settle in seconds (not days), third-party yield vaults may publish target rates that often beat 0.01% bank savings (rates vary; not guaranteed), and payments cost fractions of a penny (not 2.9% + $0.30). Every person you pay on-chain is one less reason to go back to fiat. Every business that accepts crypto pulls their whole network forward. The snowball is already rolling. CryptoOwnBank gives you the tools to track your portfolio, compare rates other protocols publish, trade on native DEXs, and send payments globally — all non-custodial, all from one interface. The infrastructure is live today.

Where is CryptoOwnBank headed?

Check the Roadmap to see everything that's live today, what the ecosystem is building (XLS-66 on-ledger lending, fiat-to-wallet on-ramps, XRPL AMM expansion), and our longer-term vision. The bigger picture: get your money on the blockchain, get everyone you do business with on the blockchain, and keep the value there. The less you need fiat, the less you need the institutions that charge you to use it.

What is Next of Keys?

Next of Keys is our approach to crypto inheritance: a tested recovery plan for your heirs. If something happens to you, the people you name get a clear, documented path to reach your crypto — without your keys ever leaving your control while you're here. It's not a will and not a guarantee of recovery; it's a plan your family can actually follow.

Is CryptoOwnBank only for XRP?

No. We started with XRP and the XRPL, but CryptoOwnBank is for anyone who holds their own keys — hardware wallets, software wallets, any chain. If you believe in fewer gatekeepers and you're willing to do the work to keep your crypto safe, the tools work the same.

How do I create a wallet on CryptoOwnBank?

Go to /wallet/create. The first card is Generate: a new wallet is generated in your browser, followed by reveal, backup, and verification steps. The page also offers connections through Xaman and WalletConnect, plus a watch-only link to /wallets. For an existing wallet, adding its public address there for watch-only tracking is the safer recommended approach; it cannot sign transactions. Do not paste a recovery phrase into CryptoOwnBank. There is no seed-import mode on this page. Keep your backup private: we cannot recover a lost phrase.

Does this wallet only work on XRP, or on other chains too?

Other chains too — that's the magic of BIP-39. The 12-word seed phrase you write down is a universal master key. The same words, fed into different standardized derivation paths, produce valid addresses on roughly 22+ blockchains. On the success screen at /wallet/create we now show all of them, computed in your browser from the same seed: XRP Ledger, Ethereum (and every EVM chain — Polygon, Arbitrum, Optimism, Base, BNB, Avalanche, Linea, zkSync, Gnosis, Fantom, Scroll), Bitcoin, Litecoin, Dogecoin, Bitcoin Cash, TRON, Cosmos Hub (plus Osmosis, Juno, Akash via the same key), Solana, and Stellar. One click saves all of them to your CryptoOwnBank wallet list. You walked into the page wanting an XRP address and walked out owning an address on most of the public chains that matter. None of those addresses cost us anything to generate, because we generated nothing — your browser did the math.

Why does the EVM section say "Ethereum & all EVM chains" with one address?

Because every EVM-compatible chain — Ethereum, Polygon, Arbitrum, Optimism, Base, BNB Chain, Avalanche C-Chain, Linea, zkSync, Gnosis, Fantom, Scroll, and dozens more — uses the same address format derived from the same path (m/44'/60'/0'/0/0). The 0x... address you see is valid on all of them simultaneously. If someone sends you USDC on Polygon to that address, it lands. If someone sends you ETH on Arbitrum to that address, it lands too. The address itself doesn't care which chain — what determines "which chain" is the RPC endpoint your wallet is pointed at when it scans for balances. This is why MetaMask and Rabby let you flip between networks without changing addresses. One key, twelve+ chains, zero extra ceremony.

Why doesn't the address list include Cardano (or Polkadot, Algorand, Aptos, Sui, Near, Tezos, Hedera)?

Because those chains use non-standard derivation schemes that don't fit the BIP-39 → BIP-44 path model we use for the others. The math is still there — your 12 words still control those chains mathematically — but each of those projects invented their own derivation specs (Cardano uses CIP-1852, Polkadot uses the sr25519 curve, Algorand has its own 25-word mnemonic standard, NEAR uses named accounts, Aptos and Sui use ed25519 with their own account derivation, Tezos uses ed25519 with its own encoding, Hedera requires on-network account creation with a fee). To support them properly we'd have to ship per-chain wallet libraries with their own bugs and edge cases. We chose to support the 22 chains where the standard is settled and ship now, rather than wait. The right move if you want those chains: install the official wallet for that ecosystem (Yoroi / Daedalus for Cardano, Polkadot.js / Talisman for Polkadot, Pera or Defly for Algorand, Petra for Aptos, Suiet for Sui, NEAR Wallet for NEAR, Temple for Tezos, HashPack for Hedera), select "Restore wallet," and paste the same 12 words you wrote down. The addresses will appear immediately. Your seed phrase is the master key — what changes is which app knows how to read it.

If I lose CryptoOwnBank, do I lose access to all 22 of those addresses?

No — and this is the whole point. Your 12 words are the wallet. CryptoOwnBank is just one of many viewers on top of those words. If we vanish overnight: open any standards-compliant wallet (Xaman for XRP, MetaMask or Rabby for EVM, Sparrow or Electrum for Bitcoin, Phantom or Solflare for Solana, Keplr for Cosmos, Lobstr or Freighter for Stellar, etc.), select "Restore from seed phrase," paste your 12 words, and every one of those addresses appears with its current balance and full transaction history pulled directly from the blockchain. We were never in the loop. The annual sovereignty drill exists precisely to make sure you've tested this — once a year, restore your seed in a fresh wallet app, confirm the addresses match, then close it. That single 5-minute test is the difference between believing you own your crypto and proving it.

What does "non-custodial" actually mean when I create a wallet here?

Non-custodial means CryptoOwnBank does not hold the keys that sign for your wallet. On /wallet/create, the Generate flow creates a new wallet in your browser with reveal, backup, and verification steps; there is no seed-import mode. For an existing wallet, we recommend adding its public address on /wallets for watch-only tracking without giving the dashboard signing authority. Never paste a recovery phrase into CryptoOwnBank. You control your backup and signing wallet; losing your recovery phrase may mean losing access. The public product is proprietary. All rights reserved.

What happens if I lose my seed phrase?

You lose access to that wallet forever. There is no "forgot password" button, no support team that can reset it, no recovery email. This is the trade-off of true self-custody — the same trade-off that applies to physical cash in a jar or gold buried in a yard: nobody can take it from you because nobody else can access it, and that includes us. This is why the wallet creation flow forces you through a backup ceremony before the wallet is saved: reveal the words, acknowledge in writing that you've written them down, then type back two random words to prove you really did. We recommend writing them on the printable backup template, storing them on a steel backup plate (search Cryptosteel or Billfodl — no affiliate), keeping them in a fireproof safe, splitting between a bank safety deposit box and a trusted location, or any combination. The one thing that does NOT count as backup: a screenshot or a note in your phone or your email. Those get hacked.

Can I bring my existing Xaman, Ledger, or MetaMask wallet into CryptoOwnBank?

Yes — and you don't have to move any crypto or share a recovery phrase. Add the wallet's public address for watch-only portfolio tracking. For XRPL signing, connect through Xaman; for EVM signing, connect MetaMask, WalletConnect, or a Ledger through MetaMask. Your keys stay in your wallet, and CryptoOwnBank will never ask you to type or paste your seed phrase into the site.

Can I buy XRP with a debit or credit card directly on CryptoOwnBank yet?

Not yet, but it's coming. We've applied for Stripe Crypto Onramp access — the same payment infrastructure powering most of the internet's checkout flows — so that once your wallet is created at /wallet/create, you'll be able to buy XRP with a card and have it delivered straight to your new wallet, no exchange in the middle, no custody, no transfer-out step. Stripe handles the fiat conversion under their licenses; we never touch your money, only pass them your address. Approval is currently pending. In the meantime, you can receive XRP from any source — another wallet, a friend, or an exchange withdrawal — to your new address and it will appear automatically. The XRP Ledger does require any new account to hold 1+ XRP as an activation reserve (this is a ledger-level rule, not us); we don't activate it for you because that would be custody.

Why do I have to write down 12 words instead of just using a username and password?

Because your wallet IS those 12 words — they're not a backup of it, they literally are it. A username and password authenticate you to a company's database (Coinbase, your bank, Google). Your account exists because the company says it does, and they can freeze, close, or hand it over on request. A seed phrase is mathematically the wallet — anyone in the world holding those words has the same control you do, and no company, government, or court can revoke it. That's the entire reason crypto exists. The price of that sovereignty is responsibility: you're now the bank, which means you're also the security guard. We make the ceremony as gentle as we can — readable type, blur-then-reveal, verification, a downloadable backup template, and printable storage advice — but we won't pretend the responsibility isn't real, because pretending is what custodial exchanges do, and it ends badly every cycle.

Do I need to create a new wallet here if I already have one elsewhere?

No. Add your existing wallet's public address for watch-only tracking, or use a supported wallet connection when you need to sign. Do not type or paste your seed phrase into CryptoOwnBank. Creating a separate wallet is only useful if you intentionally want a different address for trading or experimenting.

Do I need a cold wallet, or can I use a hot wallet?

CryptoOwnBank gives you the control and ownership you need while enforcing security the way you want. You choose: Cold wallet (Ledger, ELLIPAL, hardware wallet) for maximum protection — every transaction requires physical hardware approval. Hot wallet (Xaman on your phone) for convenience — still non-custodial, still your keys, just stored encrypted on your device. For portfolio tracking, you don't even need a wallet — just add public blockchain addresses or import CSV history. The point is: security is your decision. No uninterested third party tells you what level of protection you need.

Can I connect my Ledger to Keplr or Xaman to earn staking rewards without transferring my tokens?

A supported hardware-wallet connection does not transfer your tokens: the assets remain at the address controlled by your device. Keplr can connect to Ledger for supported Cosmos signing. On XRPL, Xaman is a supported wallet connection, but do not assume Xaman can pair with a Ledger or sign every transaction through it. Hardware signing depends on the connection and transaction type supported by the wallet and device. Check the available signing path before approving anything; direct Ledger paths may be available separately.

Is this a wallet? Do you hold my funds?

No — we are 100% non-custodial. We never hold, control, or have access to your funds or private keys. All vault actions (deposits, withdrawals) are signed directly from your own wallet — cold or hot, your choice. For portfolio tracking, we only read public on-chain data. Here's the key: even if CryptoOwnBank disappeared tomorrow, your crypto would be exactly where it is right now — in your wallet. You can leave at any time and still have full control and access to everything. We're a tool that works for you, not a platform that holds your assets.

What happens if I cancel my subscription or leave CryptoOwnBank?

Nothing happens to your crypto. That's the entire point. Because CryptoOwnBank is non-custodial, we never hold your assets. If you cancel Premium, downgrade to Free, or leave entirely — your crypto is still in your wallet, your Soil vault position is still earning yield, your trustlines are still active, and you can access everything through Xaman, your Ledger, or any other XRPL-compatible tool. You're paying for the dashboard, the analytics, the Recommendations Hub, and the trading tools — not for custody of your assets. You can leave us and still be in full control. (But we hope you won't want to.)

What happens if CryptoOwnBank shuts down?

Your crypto doesn't move. It can't — it's in your wallet, not on our servers. If CryptoOwnBank disappeared tomorrow, your XRP is still on the XRP Ledger, your RLUSD is still in your Soil vault, your trustlines are still active, and you can manage everything through Xaman, Ledger Live, or any XRPL wallet app. This is the fundamental difference between CryptoOwnBank and an exchange: when FTX shut down, customers lost billions because FTX held their assets. When a non-custodial tool shuts down, nothing changes for you — because the tool never held your assets in the first place. That's why we built it this way.

Why does CryptoOwnBank focus on value instead of USD price?

Because the dollar is just another currency — and it loses purchasing power every year. In 2010, someone paid 10,000 Bitcoin for two large pizzas. At today's prices, that's hundreds of millions of dollars — the most expensive meal in history. But the real lesson isn't about regret. It's about how you measure your assets. If you only see crypto through a USD lens, you're still thinking in fiat. An XRP is an XRP no matter whose hands it's in. A Bitcoin is a Bitcoin whether it buys two pizzas or a house. When the dollar devalues, your crypto didn't lose value — the measuring stick changed, not the asset. CryptoOwnBank helps you think in terms of what your crypto can do: what does it earn, what can it buy, what opportunities does it unlock? That's value. USD price is just one snapshot — and it's taken with a ruler that keeps shrinking.

What wallets are supported?

For XRPL, Xaman is a supported connection for signing; direct Ledger signing may be available for supported transactions and connections. Do not assume Bluetooth pairing between Ledger and Xaman is supported. Hardware signing depends on the connection and transaction type. For EVM connections, MetaMask and WalletConnect are available, including supported Ledger-through-MetaMask setups. For watch-only portfolio tracking, add a cold wallet's public address on /wallets; this does not grant signing access.

When I connect MetaMask, is my seed phrase or private key shared with CryptoOwnBank?

Absolutely not. When you click 'Connect Wallet' on CryptoOwnBank, the MetaMask browser extension opens its own popup — this is MetaMask's interface, not ours. If you're connecting MetaMask for the first time, MetaMask may ask you to create a new wallet or import an existing one using your recovery phrase. That entire process happens inside the MetaMask extension on your device. Your seed phrase is entered into MetaMask's own secure interface, encrypted, and stored locally on your computer — it is never sent to CryptoOwnBank, never transmitted to our servers, and we have no way to see it. After MetaMask is set up, you simply approve a connection request — MetaMask shares only your public wallet address with our site, which is the same address anyone can look up on a blockchain explorer. We use that address to display your balances, prepare unsigned transactions, and show swap quotes. When you execute a swap or approve a token, MetaMask pops up again asking you to confirm — and only then does MetaMask sign the transaction with your private key locally on your device. The signed transaction goes directly to the blockchain. At no point does CryptoOwnBank ever have access to your private keys, seed phrase, or signing authority. This is the same security model used by every legitimate DeFi app — Uniswap, Aave, OpenSea — they all work through the MetaMask extension the same way.

How do I import my cold wallet into Xaman?

For tracking, use your cold wallet's public XRPL address in a read-only account in Xaman, or add it on /wallets for watch-only tracking in CryptoOwnBank. Neither method transfers assets or enables signing. Do not enter your hardware wallet's recovery phrase into CryptoOwnBank or another app to enable signing. Xaman supports its own signing accounts, but do not assume that importing a public address pairs a Ledger or another cold wallet with Xaman. For hardware-controlled funds, verify that your device and the specific transaction have a supported signing path; direct Ledger connections may be available separately.

What's the difference between Xaman and my cold wallet?

Xaman is an XRPL wallet app; a cold wallet is a device or setup that keeps signing keys under your control. Adding a cold wallet's public address to Xaman or CryptoOwnBank for viewing does not pair devices or grant signing authority. A Xaman-controlled account signs in Xaman; a hardware-controlled account needs a signing path supported by that device, connection, and transaction. Never enter a hardware wallet recovery phrase to make a watch-only account sign.

Why does Xaman say 'No account configured' when I try to connect to CryptoOwnBank?

This means your Xaman wallet is imported as read-only — it can view balances and receive funds, but it cannot sign transactions. CryptoOwnBank features like DEX trading, vaults, DCA orders, and payments all require a full-access wallet that can sign. How to tell: If your Xaman home screen shows Send, Swap, and Receive buttons, you have full access. If those buttons are missing, it's read-only. Common cause: If you imported a cold wallet (Arculus, ELLIPAL, SafePal, etc.) by pasting just the address, Xaman adds it as read-only. That's fine for viewing, but not for signing. How to fix it: Create a new full-access wallet directly in Xaman: 1) Tap the account name dropdown at the top of Xaman. 2) Tap 'Add account.' 3) Choose 'Create a new account' (not import). 4) Xaman will generate secret numbers (8 rows of 6 digits) — write them all down on paper and keep them safe. This is your only backup. 5) Confirm the numbers when prompted. 6) Send at least 1 XRP to the new wallet address to activate it (you can send from your cold wallet app or from an exchange). 7) Once activated, connect to CryptoOwnBank with this new wallet — you'll have full signing access. Important security rule: Never enter your cold wallet's recovery phrase (12/24 words) or secret key into Xaman or any other app. Your cold wallet's secrets should only ever be entered into the device or app that originally generated them. If you want to use CryptoOwnBank's trading features, create a separate hot wallet in Xaman and move only the funds you want to actively trade. Keep the bulk of your holdings on your cold wallet for maximum security.

How do I add my ELLIPAL wallet to CryptoOwnBank for portfolio tracking?

ELLIPAL is an air-gapped cold wallet — it doesn't connect via API or Bluetooth, so CryptoOwnBank tracks it using your public blockchain addresses (read-only, no keys shared). To get your address: 1) Open the ELLIPAL app on your phone. 2) Select the coin you want to track (e.g., XRP, BTC, ETH, SOL, HBAR, etc.). 3) Tap 'Receive' — this shows your public blockchain address and QR code. 4) Copy the address. 5) Go to CryptoOwnBank → Blockchain Addresses → '+ Add Address'. 6) Paste the address, select the correct blockchain, and give it a label like 'ELLIPAL XRP' or 'ELLIPAL BTC'. 7) Click Add — we'll automatically pull your balances and transaction history. Repeat for each coin you hold on ELLIPAL. Your private keys never leave the ELLIPAL device — we only read public on-chain data.

Do Ledger Nano X and Xaman show the same address for RLUSD?

Adding your Ledger-controlled XRPL public address to a watch-only view displays that same address and its on-chain balances, including supported tokens such as RLUSD. This does not pair Ledger with Xaman or grant signing authority. For signing, use a supported connection and check that the particular transaction is supported.

Does every transaction require Ledger signing even if I use Xaman?

Not necessarily. Xaman supports signing with accounts it controls, while a watch-only address cannot sign. Do not assume Xaman forwards requests to Ledger. If you use a supported direct Ledger signing path, verify the transaction details on your device before approving; support depends on the connection and transaction type.

How do I connect my Ledger Nano X with Xaman?

Do not rely on a Ledger-to-Xaman Bluetooth pairing flow here. Xaman is supported for XRPL wallet connections, but hardware signing depends on the supported connection and transaction. For Ledger-controlled funds, you can add the public address on /wallets for watch-only tracking, or use a supported direct Ledger signing path where available. A watch-only address cannot approve trust lines, payments, or vault deposits; never enter your Ledger recovery phrase into this site.

Which wallets can I use to deposit RLUSD into a vault?

An RLUSD vault deposit requires signing an XRPL issued-token payment. Xaman is a supported wallet connection. A direct Ledger signing path may also be available on a compatible desktop browser and device for supported transactions; check the signing options for your exact setup before depositing. Do not assume that connecting Xaman on a phone lets a Ledger sign the same transaction. A watch-only public address cannot sign. Always review the destination, asset, and amount in your signing wallet before approving.

Do I need a destination tag/memo when transferring RLUSD?

No — RLUSD on XRPL does not require tags or memos (unlike XLM on Stellar). Just send to your correct XRPL address (starts with “r…”). Always double-check the address before sending.

Is my data secure?

Your XRPL wallet connection is read-only — we only see your public address. All transaction signing happens on your device. We use secure authentication and accept crypto payments (verified on-chain) or Stripe for card payments. Imported CSV data is processed securely and only transaction records are stored. We never store private keys or seed phrases.

What is the Wallet Security Center, and why should I check my token approvals?

Every time you use a DeFi app — a swap, a marketplace, a lending pool — you grant it an "approval": permission to move a specific token out of your wallet. Most apps ask for an unlimited approval so you don't have to re-approve every time. The problem is those permissions don't expire. They sit there for years, and if that app (or a copy of it) is ever hacked or turns malicious, the approval is a standing door into your wallet. The Wallet Security Center connects to your EVM wallet (MetaMask or WalletConnect), reads the blockchain to find every open approval you've ever granted across Ethereum, Polygon, Base, Arbitrum (plus Optimism, Avalanche, and BNB Chain on request), flags the unlimited ones, and shows how much is actually at risk. When you want to close a door, click Revoke — that's a normal blockchain transaction you sign yourself in your own wallet (it costs a small network fee, called gas). The scan is read-only and we never touch your funds or keys. A couple of honest limits: it covers standard tokens (ERC-20), not NFTs yet, and because we use free public network connections, a very busy wallet may come back as a "partial" scan — just run that network again on its own for a fuller view. It's a Premium feature, alongside our other EVM tools.

Can I borrow against my crypto without selling it — and without giving up custody?

Yes — through Aave, one of the most established non-custodial lending protocols, reachable right inside CryptoOwnBank. You supply a crypto asset you already own as collateral, then borrow against it (often a stablecoin) so you get cash to use without selling your position or triggering a taxable sale. You can also repay and withdraw at any time. Everything is signed in your own wallet — Aave is a set of smart contracts, not a company holding your money, and CryptoOwnBank never holds, lends, or touches your funds. We're just the window: "access Aave from your wallet," never "borrow from CryptoOwnBank." The one thing to take seriously is liquidation risk — if your collateral drops in value and your loan gets too close to the limit, the protocol can sell some of your collateral automatically, so borrow conservatively and keep an eye on your health factor. You can read the plain-language overview at /defi-borrowing and click straight through to the live Aave hub. This is a tool, not financial advice.

What happens when an exchange delists a token I hold?

Exchanges regularly delist tokens due to declining liquidity, regulatory changes, or business decisions — and they typically give 10–30 days notice. If you don't act, your remaining tokens are usually auto-converted to fiat (often at unfavorable rates) or frozen. This is a core risk of custodial platforms: you don't control the rules. When you receive a delisting notice, you have three options: (1) Withdraw to a self-custody wallet — if the token has a native wallet app or is an ERC-20 token (MetaMask, Ledger), move it off the exchange while you still can. (2) Sell on the exchange — convert to a stablecoin or another asset before the deadline, on your terms. (3) Do nothing — the exchange converts it automatically, usually to your default fiat currency. Option 1 is always preferred if the token has real value and a viable self-custody option.

How do I know where to move a delisted token?

It depends on what blockchain the token lives on. ERC-20 tokens (like BONE, LRC, BADGER, REN) can go to any Ethereum wallet — MetaMask, Ledger, or any hardware wallet with Ethereum support. Native chain tokens (like SGB/Songbird) need a wallet that supports that specific chain — for SGB, that's Bifrost Wallet (same ecosystem as Flare). Before withdrawing, always check: (1) Does the exchange allow withdrawals for this token? Some freeze withdrawals before delisting. (2) What network/chain is the token on? Choose the right network when withdrawing. (3) Is the gas fee worth it? If you hold $5 worth of an ERC-20 token and gas is $10, it's cheaper to sell. CryptoOwnBank's Recommendations Hub identifies which of your assets are on exchanges and suggests self-custody alternatives, so you're already prepared before a delisting happens.

What happened with Ledger dropping Siacoin — can wallets delist too?

Yes — and this is an important distinction. Hardware wallet companies like Ledger manage which blockchain apps are available in their app catalog. When Ledger removed the Sia app, users could no longer manage SC through Ledger Live, even though the coins were still on the blockchain at their address. The coins aren't lost — they're still on-chain — but accessing them requires using a different wallet tool (like Sia-UI) with your recovery phrase. This is why CryptoOwnBank recommends documenting access methods in your wallet notes and Legacy Plan. If an app or wallet drops support, your notes tell you (or your beneficiary) exactly how to recover access using alternative tools. The lesson: your keys control your crypto, but the app you use to access those keys can change. Always have a backup plan documented.

How can I protect myself from exchange and platform risks?

Five rules that cover most situations: (1) Don't leave large balances on exchanges longer than needed — buy, then withdraw to your own wallet. (2) Use CryptoOwnBank's wallet notes to document how to access each wallet, what app or extension is needed, and any cold wallet details. This is critical for your Legacy Plan. (3) Diversify where your assets sit — don't keep everything on one exchange or in one wallet. (4) Pay attention to exchange emails about delistings, maintenance, or policy changes — they're easy to miss but have real deadlines. (5) Prefer on-chain staking and DeFi over exchange earn programs — when you stake natively (like HBAR on HashPack or ADA on ADALite), no company can change the terms or freeze your position. CryptoOwnBank's Recommendations Hub flags every asset sitting on an exchange and shows you on-chain alternatives where you keep full control.

Is an exchange balance the same as self-custody? (Not your keys, not your crypto)

No. An exchange balance is typically an IOU — the exchange owes you crypto; they hold the keys. If the exchange freezes withdrawals, goes bankrupt, or is hacked, you may be a creditor, not an on-chain owner. Self-custody means assets sit at addresses you control and you sign with your own wallet. CryptoOwnBank is software only: we never hold member keys or funds. Moving to self-custody means withdrawing to your wallet and verifying the on-chain balance yourself. Create free account to track addresses you control.

Should I keep anything on an exchange?

Only what you're actively trading or need for liquidity. Think of an exchange like a cash register — you keep enough in it to operate, but you don't store your savings there. For long-term holds, move to a cold wallet (Ledger, ELLIPAL, hardware wallet). For yield, use on-chain staking or protocols like Soil where you keep your keys. For active trading, keep a working balance on the exchange but withdraw profits regularly. The FTX collapse proved that even the biggest exchanges can fail overnight. Uphold regularly delists tokens. Coinbase changes earn rates. When your assets are in your own wallet, none of those decisions affect you.

I'm moving crypto from an exchange to my cold wallet — what's the full checklist?

Five steps so nothing slips through the cracks: (1) Withdraw from the exchange to your cold wallet's receive address for that specific chain. Double-check the network — sending USDC on Base to an Ethereum-only address can mean lost funds. Wait for confirmations (a few minutes for L2s like Base/Arbitrum/Optimism, ~10 min for Bitcoin). (2) Add the cold wallet address in CryptoOwnBank → Wallets → Add Wallet. Pick the matching network from the dropdown (Ethereum, Base, Arbitrum, Optimism, Polygon, BSC, etc. — the same 0x address works across all EVM chains, so add it once per chain you actually hold tokens on). Label it clearly, e.g., "Ledger — Base". (3) Mark the move as a Transfer in your transaction history (not a Sale) so your tax cost basis carries over and no phantom gain/loss is triggered. (4) Update your Legacy Plan — open Legacy Plan, assign a beneficiary to the new wallet, and pick the recovery template (seed phrase, passphrase, hardware device PIN). If Legacy Plan is enabled, you'll get an automatic reminder toast every time you add a wallet. (5) Add wallet notes describing how a survivor would actually access the funds (which device, where it's stored, what app/extension is needed). These notes are encrypted and only released through Legacy Plan. Once these five steps are done, the asset is self-custodied and tracked. Inheritance coverage is only complete after each wallet and any SLIP-39 setup is configured; beneficiaries can be 3/3 while wallet coverage is still incomplete.

What is RLUSD and how do the yield vaults work?

RLUSD is Ripple's regulated stablecoin, pegged 1:1 to the US Dollar and backed by cash and cash equivalents. The yield comes from Soil Protocol, which lends your RLUSD to institutional borrowers — similar to how traditional banks make money, except the interest goes to you. Soil labels include Soil Treasury and CREDIT+ with published target rates that change over time — rates vary and are not guaranteed by CryptoOwnBank. Backing descriptions (e.g. US government securities / private credit) come from Soil as a third-party protocol. We never hold your keys or funds; you sign deposits and withdrawals in your own wallet.

Which vault should I choose — Soil Treasury or CREDIT+?

It depends on your risk tolerance and how soon you might need your funds. Soil Treasury and CREDIT+ are third-party vault labels that publish target rates which change — rates vary and are not guaranteed by CryptoOwnBank. Soil describes Treasury as more liquid (short rolling withdrawal) and CREDIT+ as higher target / longer notice (e.g. 90-day notice + cooldown) with higher credit risk. You can also split RLUSD across both. Always verify current published targets and terms on Soil; we never hold your keys or funds — you sign in your own wallet.

Does interest in Soil vaults compound automatically?

Yes — and this is one of the biggest advantages of keeping your RLUSD in Soil. Your earned interest is automatically added to your position and starts earning additional yield immediately. There's no 'reinvest' button — compounding happens by default, every day. We don't show multi-year dollar projections, because the rate moves. Check the protocol's published target today. It changes. Rates are not guaranteed by CryptoOwnBank.

How does Soil compare to Uphold's published custodial yield?

Soil is a third-party RWA protocol that publishes target APRs on Treasury / CREDIT+ vault labels (those targets change; rates vary and are not guaranteed by CryptoOwnBank) with automatic compounding — often compared with custodial offers like Uphold's published custodial yield (that rate changes). Plus you get full self-custody (your keys stay on your cold wallet) instead of Uphold holding everything custodially. The trade-off: Uphold is simpler to start with, but you give up ownership.

Why is compound interest such a big deal?

Because interest can earn interest over time. With compounding (Soil describes automatic compounding), what you earn is added to your position. How much that adds up to depends on the rate, and the rate changes. Check the protocol's published target today. It changes. Rates are not guaranteed by CryptoOwnBank. We never hold your keys or funds.

How do I withdraw from a Soil vault?

Soil currently only supports full withdrawal — you withdraw your entire position (principal + interest) together. Go to the Vault Positions page, select a vault, and click "Withdraw via Soil." This opens Soil Protocol's app (xrpl.soil.co) where you connect your wallet and complete the withdrawal. Your RLUSD (principal + earned interest) is returned to the same XRPL wallet you originally deposited from. Once RLUSD is back in your wallet, you can: (1) let your DCA order convert it to XRP automatically, (2) redeposit to a vault to keep earning, or (3) hold it as RLUSD. Tip: set up a DCA order before withdrawing so your RLUSD doesn't sit idle.

What is Earn & Accumulate XRP?

Earn & Accumulate is the strategy for accumulating XRP from your Soil vault position. The flow: (1) Your RLUSD earns yield in a Soil vault. (2) When you're ready, withdraw your full position (principal + interest) via Soil — Soil only supports full withdrawal, no partial, no interest-only. (3) RLUSD returns to your wallet. (4) Your DCA order (if active) converts a configured portion into XRP on the next scheduled run via the XRPL DEX — you control how much with a slider (10–100%) and a minimum threshold. (5) After the conversion, redeposit your remaining principal back into Soil to keep earning. Every step requires your approval in Xaman — nothing happens without your signature. Set up DCA before withdrawing so your RLUSD starts working immediately. Available to Premium ($29/mo) and Pro ($99/mo) members.

Can I withdraw just the interest from a Soil vault?

Not currently — Soil Protocol only supports full withdrawal (principal + interest together). When you withdraw, your entire position is returned to your wallet. You can then redeposit the principal amount back into the vault if you want to keep earning. We display your accrued interest on the Vault Positions page so you can track exactly how much you've earned before deciding to withdraw.

What happens to my RLUSD after I withdraw from Soil?

Your RLUSD returns to the same XRPL wallet you originally deposited from. From there, you choose: (1) DCA to XRP — if you have an active DCA order, it will automatically convert your RLUSD to XRP on the next scheduled run. One combined DEX order for the full amount gives you a better fill on the order book. (2) Redeposit to Soil — go back to the Vaults page and deposit again to keep earning via the third-party vault (rates vary; not guaranteed). (3) Hold as RLUSD — keep it as a stablecoin in your wallet. The key is setting up your DCA order before withdrawing, so RLUSD doesn't sit idle in your wallet.

Why can't I withdraw my full principal anytime?

Soil vaults are lending pools backed by real-world assets (U.S. Treasuries, private credit, etc.). Withdrawal rules depend on the vault: Liquid/Treasury vaults have a 3-day rolling period. Credit vaults require a 90-day notice + 10-day cooldown (interest continues during notice). Your funds earn during notice periods, but the lock-up aligns with underlying assets for stability.

How safe is my principal?

Keys never leave your wallet. Soil is a third-party RWA protocol. Smart-contract, liquidity, and borrower/RWA risk remain. Published targets change. Rates are not guaranteed. Not FDIC/SIPC.

What happens if Soil or XRPL has issues?

Soil is a compliant RWA protocol on XRPL — funds are loaned to Soil Ltd. (backed by real assets), not algorithmic or high-risk DeFi. If issues arise (rare), withdrawals follow vault rules (notice periods). XRPL itself is battle-tested and decentralized. Your assets stay on-chain in your wallet — we can't access or lose them.

What is Doppler Finance and the XRP Vault?

Doppler Finance is an XRPL-centric yield platform that lets you earn yield on your XRP through market-neutral strategies. Their XRP Vault publishes a target APR that changes — rates vary; not guaranteed. You deposit XRP through the Doppler app (app.doppler.finance) or directly via the Xaman xApp — your wallet signs the transaction, keeping you in control. Withdrawals have a 7-day processing period. Doppler uses Fireblocks for institutional-grade custody and Ceffu (MirrorX) for off-exchange settlements, with on-chain proof-of-reserve so you can verify your XRP is always accounted for. Bybit also offers a custodial version called XRPfi (promotional published rates that change; not guaranteed) that uses Doppler's strategies. On CryptoOwnBank, you can access the Doppler vault directly from the Yield Vaults page — click 'Deposit via Doppler' to open their app, connect your Xaman wallet, and start earning.

How does Doppler Finance compare to Soil Protocol?

They serve different purposes and different assets. Soil Protocol (third-party): RLUSD vaults labeled Soil Treasury / CREDIT+ publish target APRs that change — rates vary and are not guaranteed. Backing narratives (e.g. Treasuries / private credit) come from Soil, not from CryptoOwnBank. Doppler Finance: earn a published target APR on XRP (rates vary; not guaranteed) itself, using market-neutral trading strategies across exchanges. Your yield is in XRP, not stablecoins. The key difference: Soil earns stablecoin yield (predictable, low volatility), while Doppler earns XRP yield (your stack grows in XRP terms). Many users use both — deposit RLUSD in Soil for stable yield, and deposit XRP in Doppler to accumulate more XRP. Both are accessible from the Yield Vaults page on CryptoOwnBank.

Is a Blend lending position the same as my wallet balance?

No. Blend (and similar lending protocols) involve supply, debt, and collateral positions — that is protocol risk, not the same as a simple wallet balance you can spend freely. Seeing a position in a dashboard (discoverable) is not the same as full recovery or risk-free liquidity. Liquidation, utilization, and smart-contract risks apply. Rates float with markets — rates vary and are not guaranteed. CryptoOwnBank never holds your keys or funds; you interact via your own Stellar wallet. Create free account to track positions you control.

What is Blend Capital and how does it work on CryptoOwnBank?

Blend Capital is a non-custodial lending protocol built on Stellar Soroban (Stellar's smart contract platform). You can lend XLM and USDC into isolated pools and earn a live, market-driven supply APY paid by borrowers — the same model that powers Aave or Compound on EVM chains, but settled on Stellar with sub-cent fees and 5-second finality. CryptoOwnBank tracks your Blend lending positions read-only: connect your Stellar address (the same G... address you use with Freighter or LOBSTR), click 'Sync Position' on the Yield Vaults page, and we display your supplied balance, the live supply APY for each pool, and a direct link to mainnet.blend.capital where you can deposit or withdraw. Funds always sit in the Soroban smart contract and your Stellar wallet — CryptoOwnBank never holds them.

How is Blend Capital different from Soil and Doppler?

Three different yield models on three different chains. Soil Protocol (XRPL, third-party): Soil Treasury / CREDIT+ publish target APRs that change — rates vary and are not guaranteed; stablecoin-denominated RWA lending narrative from Soil. Doppler Finance (XRPL): a published target APR on XRP (rates vary; not guaranteed) itself via market-neutral trading strategies — your XRP stack grows. Blend Capital (Stellar Soroban): live, variable lending APY on XLM and USDC — rates float with utilization, like Aave. Many members use all three: Soil for stable RLUSD yield, Doppler to accumulate more XRP, and Blend to put idle XLM or USDC to work on Stellar. All three are third-party paths you access with your own keys — CryptoOwnBank never holds them — and all three live on the same Yield Vaults page for discovery.

Where does CryptoOwnBank get its price data?

CryptoOwnBank fetches real-time prices from CoinGecko, a widely trusted crypto market data aggregator that sources from hundreds of exchanges. We track which assets also have Chainlink decentralized oracle feeds available (BTC, ETH, XRP, SOL, and others) — these are the same feeds trusted by Aave, Compound, and other major DeFi protocols. In a future update, we plan to integrate Chainlink on-chain feeds directly for even stronger data integrity. For now, CoinGecko provides reliable, broadly-sourced pricing across all 32+ chains we support.

What are Real-World Asset (RWA) tokens?

Real-World Asset (RWA) tokens are blockchain-based representations of tangible, off-chain assets — things like US Treasury bills, real estate, trade receivables, and private credit. By tokenizing these assets, investors can access institutional-grade yields directly on-chain with lower minimums, faster settlement, and transparent pricing. For example, Ondo Finance tokenizes short-term US Treasuries (OUSG) to offer a published yield on-chain. Centrifuge tokenizes trade receivables and invoices from real businesses. Soil Protocol (third-party) lends to institutional borrowers with published target rates on RLUSD vaults that change — rates vary and are not guaranteed by CryptoOwnBank. The key advantage: you get traditional finance yields with blockchain transparency and self-custody — no bank needed.

Which stablecoins does CryptoOwnBank support?

CryptoOwnBank tracks and supports the following major stablecoins across multiple chains: RLUSD (Ripple USD) — Ripple's regulated stablecoin on XRPL, backed 1:1 by cash and cash equivalents, used for Soil vault deposits. USDC (USD Coin by Circle) — the most widely used regulated stablecoin, available on Ethereum, Solana, Polygon, Arbitrum, Base, and more. USDT (Tether) — the largest stablecoin by market cap, available on nearly every chain. EURCV (Euro Coin by Société Générale) — a euro-denominated stablecoin for European users. PYUSD (PayPal USD) — PayPal's regulated stablecoin on Ethereum and Solana. DAI (by MakerDAO) — a decentralized, crypto-collateralized stablecoin on Ethereum. Our portfolio tracker shows your stablecoin holdings across all connected wallets and exchanges, and the Stablecoin Dashboard compares peg stability, backing reserves, and available yields for each.

How do RWA yields compare to traditional savings?

The difference is significant. Traditional bank savings accounts typically offer 0.01–0.5% APY — barely keeping up with inflation. High-yield savings accounts (HYSAs) from online banks like Ally, Marcus, or SoFi currently offer around 4–4.5% APY, but rates fluctuate with Fed policy. RWA tokens on-chain may publish target yields in ranges often cited around Soil Treasury / CREDIT+ labels (targets change; rates vary; not guaranteed by CryptoOwnBank), and other RWA protocols like Ondo and Centrifuge offer similar ranges. The trade-off: RWA tokens carry smart contract risk and are newer than FDIC-insured bank deposits. However, the underlying assets (Treasuries, institutional credit) are the same ones banks use to generate their own yields — RWA tokens simply pass more of that yield directly to you by cutting out the bank as middleman.

What are the risks of RWA tokens?

RWA tokens offer compelling yields but come with risks you should understand: (1) Credit risk — the underlying borrowers or assets could default. Treasury-backed vaults have minimal credit risk (US government debt), but private credit vaults carry higher default exposure. (2) Smart contract risk — the token and vault contracts could contain bugs or be exploited. Reputable protocols undergo multiple audits, but no code is 100% risk-free. (3) Liquidity risk — some RWA vaults have lock-up periods (e.g., Soil CREDIT+ requires 90-day notice). You may not be able to exit quickly during market stress. (4) Regulatory risk — RWA tokenization is a fast-evolving regulatory space. Rules around securities classification, stablecoin backing, and cross-border transfers could change and impact token availability or yields. Always diversify across vault types, understand the withdrawal terms, and never invest more than you can afford to lock up. DYOR.

Can I earn yield on stablecoins across different chains?

Yes — the multi-chain yield landscape for stablecoins is growing rapidly. On XRPL, you can explore Soil Protocol vaults for RLUSD (third-party; published targets change — rates vary; not guaranteed). On Ethereum, protocols like Aave, Compound, and Morpho offer variable yields on USDC, USDT, and DAI (variable rates depending on market conditions; not guaranteed). On Solana, platforms like Marinade and Kamino offer stablecoin lending yields. On Polygon, Arbitrum, and Base, DeFi protocols provide additional stablecoin yield opportunities. CryptoOwnBank's Recommendations Hub surfaces the best stablecoin yields across all supported chains, clearly labeling each as on-chain (you keep your keys) or custodial (a platform holds your assets). This lets you compare opportunities and choose the best risk-adjusted yield for your stablecoins, regardless of which chain they're on.

How do I import my exchange transaction history?

Most exchanges let you export your transaction history as a CSV file. Go to your exchange's account settings, look for 'Transaction History', 'Reports', or 'Statements', and download a CSV export. Then go to the Import Data page on CryptoOwnBank and upload the file. We support Ledger Live, Yahoo Finance, CoinTracker, and generic CSV formats. Your transactions and tax lots are created automatically.

Which CSV formats does CryptoOwnBank support?

We support four formats: 1) Ledger Live — operation history CSV (go to Settings > Accounts > Operation history). 2) Yahoo Finance — portfolio export CSV. 3) CoinTracker — transaction history CSV. 4) Generic CSV — any file with Symbol, Quantity, Price, and Date columns. Most exchange exports (Coinbase, Binance, Kraken, etc.) can be imported using one of these formats.

Can I import data from Webull, eToro, Robinhood, or Fidelity?

Yes — export your transaction history as a CSV file from their apps or websites. For Webull: Account > Statements & History > Download. For eToro: Settings > Account Statement > Download. For Robinhood: Account > Statements & History. For Fidelity: Accounts > Activity & Orders. Then upload the CSV on our Import Data page.

What is Statement Insights?

Statement Insights lets you upload PDF statements from your banks, brokerages, and credit unions. We automatically detect the institution, account type (brokerage, savings, money market, CD, etc.), and your balance — then show you how your current rates compare to Soil vault yields. You can add detected accounts to your portfolio with one click.

Tip: Rename your statement files before uploading

Most banks name downloaded statements something generic like 'statement_2026-02.pdf' or a random string of numbers. Before uploading, rename each file to something you'll recognize — for example: 'ETrade-Brokerage-Feb2026.pdf', 'Stash-Invest-Feb2026.pdf', or 'NavyFed-Savings-Feb2026.pdf'. This makes it much easier to keep track of which files you've already uploaded and which ones are left to do.

Which institutions are supported?

We automatically detect statements from Chase, Bank of America, Wells Fargo, Citibank, Capital One, Ally, Discover, Schwab, Fidelity, Vanguard, E*TRADE, SoFi, Robinhood, Wealthfront, Betterment, Stash, Acorns, Greenlight, M1 Finance, Webull, Tastytrade, Interactive Brokers, Morgan Stanley, Merrill Lynch, USAA, Navy Federal, Kinecta, PenFed, and most other credit unions. If your institution isn't listed, the parser will still try to detect account types and balances from the PDF content.

What happens when I delete a statement?

Deleting a statement removes the upload, all detected products, and any portfolio entries you added from it. It's a clean removal — you won't have orphaned entries left behind in your portfolio.

How do I start earning yield on RLUSD?

1) Buy RLUSD on a trusted exchange (Binance, Kraken, Coinbase, etc.) and withdraw it to your XRPL wallet. 2) Connect your cold wallet to the dashboard. 3) Deposit RLUSD into a Soil vault (third-party Soil Treasury / CREDIT+ labels — published targets change; rates vary; not guaranteed). 4) Yield accrues per Soil's terms — interest accrues daily on your deposited principal. 5) When you're ready, withdraw your full position (principal + interest together) via Vault Positions. Tip: Credit+ has a 90-day lock + 10-day cooldown — withdraw and re-deposit every 90 days to earn on a larger balance. No KYC on our end, no bank linking required.

Can I transfer RLUSD from Uphold to my cold wallet?

Yes — Uphold supports XRPL withdrawals. Go to Withdraw → RLUSD → XRPL network → paste your wallet address. Test with a small amount first. Make sure your trust line to RLUSD is set in Xaman/Ledger before sending. Funds typically arrive in seconds with fees around ~0.0001 XRP.

Which exchange should I recommend for buying RLUSD?

Binance usually offers the best liquidity and lowest fees for RLUSD. Kraken is great for low-cost XRPL withdrawals. Crypto.com and Uphold are beginner-friendly. Use the referral links on the My Referrals page to help others — you may earn rewards when they sign up and buy.

Should I route through an exchange to earn referral rewards on my own transfer?

Not worth it for your own funds. Referral commissions only trigger for new users signing up via your link — self-referral usually doesn't pay and adds extra fees/steps. Transfer directly from Uphold (or wherever your RLUSD is) to your cold wallet, then use your referral links to help others buy RLUSD.

Why don't you connect directly to my bank account?

We deliberately stay on-chain only to keep things simple, secure, and non-custodial. Bank integrations would require us to handle fiat, trigger money transmitter rules (federal MSB registration + state licenses), and force KYC/AML on users — adding delays, fees, and risks. By skipping banks, we avoid all that: no middleman, no data collection, no compliance overhead. You buy RLUSD on exchanges, deposit on-chain, and manage everything from your wallet — faster, cheaper, and truly in your control.

Can I buy crypto directly on CryptoOwnBank without leaving the site?

Yes. Our Buy Crypto page lets you purchase crypto instantly using your credit card, debit card, Apple Pay, Google Pay, or bank transfer — powered by Changelly. You never leave CryptoOwnBank. Just select the currency you want to buy, enter the amount, and complete the purchase. Crypto is sent directly to your wallet. We also have a built-in crypto-to-crypto exchange on the same page if you want to swap between assets (BTC to ETH, XRP to SOL, etc.). KYC is handled by Changelly, not by us — we never see or store your identity documents. Fiat off-ramp (selling crypto back to fiat) is coming soon.

Can I use this for other cryptos besides XRP/RLUSD?

Absolutely — CryptoOwnBank now tracks 32+ blockchains. Add your Bitcoin, Ethereum, Solana, Cardano, Polkadot, Cosmos, Avalanche, HBAR, VeChain, and many more wallet addresses to see all your holdings in one dashboard. Connect exchange accounts (Coinbase, Kraken, Binance, etc.) to track exchange-held crypto too. Our Recommendations Hub analyzes every asset and shows you the best staking, DeFi, and yield opportunities — with clear on-chain vs custodial labels. XRPL yield vaults (Soil) are the active earning feature; portfolio tracking and recommendations work across all supported chains.

What's included in the free plan?

Free users get Soil vault access (deposit RLUSD and manual withdrawals), live Yield Earnings Tracker with compound projections, 1 exchange connection, 1 blockchain address, basic Recommendations Hub overview, yield calculator, 1 price alert, and 7 days of transaction history. CSV import is not available on Free. Upgrade to Premium to remove the exchange, address, alert, and history limits and unlock CSV import, DEX trading on XRPL and Stellar, the full Recommendations Hub, portfolio search/filter/sort, and Statement Insights.

What do I get with Premium?

Premium costs $29/mo or $199/yr and removes the Free limits: unlimited exchange connections, blockchain addresses across 33 supported chains, price alerts, and transaction history. It also unlocks CSV import, XRPL and Stellar DEX trading, the full Recommendations Hub, portfolio search/filter/sort, Statement Insights, recurring payments, and up to 50 AI chats per month. Tax reports require annual billing. Your security level is your choice — cold wallet, hot wallet, hardware, or phone signing.

Can I use Soil vaults without Premium?

Yes. Connecting your XRPL wallet, depositing into Soil vaults, and withdrawing via Soil are all free. Premium adds DCA for automatic RLUSD-to-XRP conversion.

Why should I upgrade to Premium?

If your crypto is spread across multiple exchanges, wallets, and DeFi protocols, Premium gives you one cockpit to see everything. Instead of logging into Binance, Coinbase, Ledger Live, and Yahoo Finance separately, you see your entire portfolio across 32+ blockchains, personalized yield recommendations with on-chain vs custodial clarity, tax liability, and yield earnings in a single dashboard. The Recommendations Hub shows you exactly how much yield you're missing and which on-chain opportunities match the assets you already hold.

Can I cancel Premium anytime?

Yes. You can cancel your subscription at any time. You'll keep Premium access until the end of your current billing period. No penalties, no questions asked.

Can I pay for Premium with crypto?

Yes — and you save 10% when you do. We accept crypto on 25 blockchains: XRP, RLUSD, BTC, ETH, SOL, XLM, DOGE, LTC, ADA, AVAX, ALGO, ATOM, TRX, HBAR, DOT, VET, TON, MATIC, CRO, XDC, DGB, CSPR, CKB, ZIL, and XVG. Premium drops to $26.10/mo or $179.10/yr, and Pro drops to $89.10/mo or $719.10/yr — all 10% off card prices. Go to Settings → Subscription → Pay with Crypto, select your chain, and we show you the exact amount (priced live via CoinGecko) and the wallet address to send to. For XRP and RLUSD, you also get a unique destination tag to match your payment. Our system verifies your payment on-chain and activates your subscription immediately. No KYC, no bank account, no credit card needed — just send crypto and you're upgraded. Card payments via Stripe are available as a fallback.

Why should I pay with crypto instead of a credit card?

Because we practice what we preach — and you save 10%. CryptoOwnBank exists to help you become your own bank, so we built our own payment rails to work the same way. When you pay with crypto: (1) You save 10% — no payment processor fee means we pass the savings to you. (2) No middleman takes a cut — credit card networks charge 2.9% + $0.30 per transaction; crypto costs fractions of a penny. (3) No bank required — you don't need a bank account, credit check, or card issuer's permission to be a member. (4) Privacy — your payment is verified on-chain, not routed through Visa, Mastercard, or a payment processor that logs your purchase history. (5) Unstoppable — no chargebacks, no frozen accounts, no processor deciding you can't buy a crypto service. (6) Global — members anywhere in the world can pay in seconds, regardless of their local banking system. (7) Settlement in seconds — your subscription activates as soon as the blockchain confirms, not after a 2-3 day card settlement window. Every crypto payment goes directly to our cold wallet addresses — the same non-custodial architecture we recommend for you. Stripe card payments exist as a fallback for members who aren't on-chain yet, but our goal is to help you get there.

How does CryptoOwnBank verify my crypto payment?

Every payment is verified directly on the blockchain — no payment processor involved. Here's the flow: (1) You select your plan and blockchain. (2) We show you a wallet address (our cold wallet for that chain), the exact crypto amount (priced live from CoinGecko with a unique decimal suffix to identify your payment), and for XRP/RLUSD, a destination tag. (3) You send from any wallet or exchange. (4) Our on-chain verifier checks for your payment and matches it by amount (or destination tag for XRP/RLUSD). (5) Your subscription activates automatically. The payment goes directly from your wallet to ours — no escrow, no custodian, no intermediary holds your funds at any point. This is how commerce should work: peer-to-peer, verified by math, settled in seconds.

How does crypto subscription renewal work?

When you pay for Premium with crypto, your subscription is activated for 30 days (monthly) or 365 days (annual). Unlike card payments which renew automatically through Stripe, crypto is a one-time payment — so we proactively reach out before it expires. We reach you where you paid: if you have a connected XRPL wallet, we send a Xaman payment request directly to your phone — you just tap approve and you're renewed. If we can't reach your wallet, we send an email with a pay link instead. You'll get reminders at 7 days, 3 days, and 1 day before expiry. A renewal banner also appears on your dashboard. If no payment is received by the expiry date, your account reverts to the free tier — no data is lost, you just lose access to premium features until you renew.

How can I pay for my subscription from an exchange?

If you keep funds on an exchange like Coinbase, Binance, or Uphold, you can pay by withdrawing crypto to our payment address. Go to Settings → Subscription → Pay with Crypto, select your chain, and use the 'Send Manually' option. Copy the wallet address, destination tag (for XRP/RLUSD — this is critical), and exact amount. Go to your exchange's withdrawal screen, paste the details, and send. Our on-chain verifier checks every 60 seconds and will match your payment automatically. Make sure to include the destination tag — without it, we can't link the payment to your account.

What are all the ways I can pay with crypto?

There are three options for crypto payment, all leading to the same result — your payment goes directly on-chain to our cold wallet: (1) Pay with Xaman — the easiest. It opens your Xaman wallet with everything pre-filled: address, amount, destination tag. Just tap approve. (2) Scan QR Code — open any XRPL wallet on your phone and scan the code. Payment details are embedded. (3) Send Manually — copy the address, destination tag, and amount, then send from any wallet or exchange. Since we're non-custodial, there's no site balance or internal account to pay from — every payment is a direct on-chain transfer.

How do Price Alerts work?

Set a target price for any supported crypto (XRP, BTC, ETH, SOL, ADA, and more). Choose whether you want to be notified when the price goes above or below your target. Our system checks prices every 60 seconds and sends you an email notification when your alert triggers. Free users can have 1 active alert; Premium users get unlimited alerts.

What is the Yield Earnings Tracker?

When you have active Soil vault deposits, a live Yield Earnings Tracker appears on your dashboard showing exactly how much you've earned — Today, This Month, and All Time — with the numbers ticking upward in real-time. It also shows compound projections at 1 Year, 5 Years, and 10 Years based on your actual deposited amounts and APR rates, assuming you reinvest your earnings monthly. The tracker reinforces the core promise: you keep 100% of your yield with no platform fees. It's on both the main Dashboard and the OwnBank dashboard so it's the first thing you see when you log in.

What is the Yield Calculator?

The Yield Calculator is a free public tool (no login required) that lets you estimate how much you'd earn by depositing RLUSD into Soil vaults. Enter any amount, choose Soil Treasury or CREDIT+ (published target rates that change — rates vary; not guaranteed), and toggle between simple and compound interest to see projected daily, weekly, monthly, and yearly earnings.

Can I export my tax report as a PDF?

Yes — Annual Premium subscribers ($199/yr) can download professionally formatted PDF tax reports, CSV exports, and TurboTax-ready files. Tax reports are exclusive to the annual plan. Go to Tax Reports, select your year and method, then click the export button.

Why are tax reports only on the annual plan?

Tax season comes once a year, so the annual plan makes the most sense for tax reporting. At $199/yr (vs $348 if you paid monthly), you save $149 and get full access to capital gains calculations, IRS Form 8949 data, PDF and TurboTax exports, and income tracking for staking and yield — all year round.

What is Tax Harvest AI?

Tax Harvest AI scans your portfolio for positions sitting at an unrealized loss and calculates the estimated tax savings if you were to sell them. It shows savings at three tax brackets (24%, 32%, 37%) and offers two approaches: sell and rebuy the same asset immediately (currently allowed under IRS rules — crypto is classified as property, not securities, so the wash-sale rule does not apply as of 2026), or swap to a similar-but-not-identical asset for a more conservative approach. You always execute the trade yourself — we never trade on your behalf. Tax Harvest AI is available to Premium and Pro members. This is an informational tool, not tax advice — always consult a CPA.

How does the referral program work?

Share your unique referral link with friends. When they sign up and deposit RLUSD, you earn bonus SEED points through Soil Protocol, which can boost your yields over time. If a referred friend upgrades to Premium, you get one free month of Premium.

What is XLS-65/66 Lending?

XLS-65 (Single Asset Vaults) and XLS-66 (Lending Protocol) are proposed XRPL amendments for native on-ledger lending. They're currently in validator voting and require 80% consensus for 2 weeks to activate. When live, you'll be able to lend XRP directly from your cold wallet into on-ledger vaults — no bridges, no smart contracts, no custody risk. CryptoOwnBank is fully built and ready to activate the moment the amendments pass. Pro members get access.

How does the XRPL amendment voting process work?

XRPL amendments don't work like a ballot where validators vote yes or no. Instead, validators signal support passively by upgrading their server software (rippled) to a version that includes the amendment code. When a validator upgrades to the required version, their server automatically signals 'I support this amendment' in every ledger validation it publishes. Validators on older versions simply don't signal — they haven't said no, they just haven't upgraded yet. There is no 'reject' mechanism. For an amendment to activate, 80% of the validators on the Unique Node List (UNL) must be running the new version, and that 80% threshold must be sustained continuously for 2 full weeks. Once those conditions are met, the amendment activates automatically on the next flag ledger — no human action needed. So when you see '17% support,' that means 17% of validators have upgraded so far. The remaining 83% haven't voted against it — they simply haven't upgraded their software yet. The timeline depends entirely on how quickly validator operators (Ripple, exchanges, universities, independent operators) choose to upgrade. Some move fast, some are cautious. That's why there's no set activation date.

How do I prepare my XRP cold wallets for XLS-65 lending?

If you want to lend XRP from your cold wallets, the good news is: you're already set up. XRP is the native asset on the XRPL, so no trustline is needed — every XRPL wallet can send and receive XRP by default. When you deposit into an XLS-65 vault, you receive vault shares as Multi-Purpose Tokens (MPTs), which are a new XRPL object type that don't use the old trustline system either. Your wallet receives them automatically as part of the VaultDeposit transaction. So your Day 1 checklist is: (1) Make sure each cold wallet is imported into Xaman — see 'How do I import my cold wallet into Xaman?' above. (2) That's it. When XLS-65 activates, come to CryptoOwnBank, browse the on-ledger vaults, pick one, click Deposit, enter your amount, and sign in Xaman from whichever cold wallet you want to use. The only time you'd need to set up a trustline is if you want to deposit into a vault that accepts an issued token (like RLUSD or USD) instead of XRP. For straight XRP lending, there's nothing to configure — you're just waiting on the validators to upgrade.

Do I need a trustline to lend XRP?

No. XRP is the native asset on the XRPL — it doesn't need a trustline. Trustlines are only required for issued tokens (like RLUSD, USD, EUR) because those tokens are created by a specific issuer, and your wallet needs to explicitly authorize holding tokens from that issuer. XRP has no issuer — it's built into the ledger itself, so every wallet can hold and transact with it automatically. If you want to deposit XRP into an XLS-65 vault, you just sign the VaultDeposit transaction in Xaman and you're done. No trustline setup, no extra steps. You would only need to add a trustline if you wanted to deposit a different token (like RLUSD) into a vault that accepts that token.

How will CryptoOwnBank interact with my cold wallet for XLS-65 lending?

CryptoOwnBank talks to Xaman, and Xaman talks to your cold wallet — the site never touches your private keys. Here's the full flow: Step 1 — Link your wallet: On the Wallets page, each XRP address from your cold wallet (ELLIPAL, hardware wallet, Arculus, etc.) has a 'Link Xaman' button. Tap it, approve with your main Xaman account (the one with full access), and the site saves that cold wallet address as linked. You'll see a green 'Xaman Linked' badge. You don't need to switch accounts — your main Xaman account authorizes the link. Step 2 — When XLS-65 goes live: You choose how much XRP to lend on CryptoOwnBank. The site builds the lending transaction and sends it to Xaman via QR code or deep link. Step 3 — Your cold wallet signs: Since the account in Xaman is read-only, Xaman can't sign by itself. For ELLIPAL, it shows a QR code — you scan it with your physical ELLIPAL device, which signs offline, then you scan the signed QR back into Xaman. For hardware wallet, the X1 vault and your cards sign. For Arculus, you tap the card. Step 4 — Transaction submitted: The signed transaction goes back to Xaman, which submits it to the XRP Ledger. CryptoOwnBank sees it on-chain, and your lending position appears on your dashboard. Your keys never leave your cold wallet at any point.

How does the transaction signing chain work? (Site → Xaman → Cold Wallet → Blockchain)

There are two distinct types of interactions with Xaman, and it's important to understand the difference:

1. Linking (identity verification only)
When you tap 'Link Xaman' next to a cold wallet address, the site sends a simple sign-in request to Xaman. You approve it with your main Xaman account (the one with full access). This doesn't move any XRP or authorize any transactions — it just tells the site 'I own this Xaman app and I want to connect this cold wallet address.' The cold wallet addresses are imported into Xaman as read-only accounts, meaning Xaman can see their balances but can't sign on their behalf. That's fine for linking — your main account's approval is enough.

2. Transaction signing (full authority, on-chain)
When you actually want to move funds — deposit into an XLS-66 AMM pool, lend via XLS-65, or trade on the DEX — the process is completely different:

Step 1: CryptoOwnBank builds the transaction. You choose the action (e.g., deposit 1,000 XRP into an AMM pool). The site constructs the exact XRPL transaction with all parameters — amounts, destination, pool ID, fees — but does NOT sign or submit it.

Step 2: The transaction goes to Xaman. The site sends it to Xaman via a deep link (on mobile) or QR code (on desktop). Xaman displays every detail of the transaction so you can review exactly what you're approving before anything happens.

Step 3: Your cold wallet hardware signs it. Since the target address is a read-only account in Xaman, Xaman knows it can't sign by itself — the private key lives on your physical hardware device. Each device handles this differently:

• Arculus: Tap the NFC card to your phone. The card signs the transaction internally and returns the signature.
• ELLIPAL: Xaman shows a QR code. You scan it with your air-gapped ELLIPAL Titan, which displays the transaction for your approval. After you confirm on the device, it shows a signed QR code — you scan that back into Xaman.
• hardware wallet: The X1 vault and your key cards work together to produce the signature.
• SafePal: Similar QR-based air-gapped signing flow.
• Ledger: Connect via USB or Bluetooth, confirm on the device screen.

How do I get ready for XLS-66 lending? (Preparation checklist)

If you want to participate in non-custodial XRP lending when XLS-66 activates, here's how to get set up now so you're ready from day one:

Step 1: Get your XRP onto a cold wallet you control.
XRP sitting on an exchange (Coinbase, Uphold, Kraken, Binance, etc.) is custodial — the exchange holds the keys, so you can't sign on-chain transactions. To participate in XLS-66, your XRP needs to be in a wallet where you hold the private keys. Supported cold wallets include Ledger (Nano S/X/S Plus), ELLIPAL Titan, Arculus (NFC card), hardware wallet X1, and SafePal. If your XRP is on an exchange, withdraw it to your cold wallet address.

Step 2: Install the Xaman app on your phone.
Xaman is the bridge between CryptoOwnBank and your cold wallet. Download it from the App Store or Google Play. Set up your main account (this is the one with full access for signing).

Step 3: Import your cold wallet addresses as read-only accounts in Xaman.
In Xaman, go to Settings → Accounts → Add Account → Read-only. Enter each cold wallet's XRP address. This lets Xaman display your balances and relay signing requests to your hardware device — without ever accessing your private keys.

Step 4: Sign up on CryptoOwnBank and add your wallets.
Create a free account at cryptoownbank.com. Go to Wallets & Addresses and add each cold wallet's XRP address. Label them clearly (e.g., 'Arculus', 'ELLIPAL', 'Ledger').

Step 5: Link each XRP address to Xaman.
On the Wallets page, you'll see a 'Link Xaman' button next to each XRP address. Tap it, approve with your main Xaman account, and you'll see a green 'Xaman Linked' badge. This tells CryptoOwnBank that your wallet is ready for on-chain transactions.

Step 6: Watch the amendment progress.
The landing page at cryptoownbank.com shows live validator voting progress for XLS-65 and XLS-66. When both amendments reach 80% validator support for 2 consecutive weeks, lending vaults activate automatically — and you'll be ready to deposit immediately.

What you DON'T need to do: You don't need to move XRP to a special address, set up any smart contracts, or give anyone your private keys. When XLS-66 goes live, you simply choose how much to lend, the site builds the transaction, your cold wallet signs it, and you're earning yield.

Note: This is not financial advice. Moving assets off an exchange involves transfer fees and means you're responsible for securing your own keys. Always DYOR and never move more than you're comfortable managing yourself.

I have XRP on an exchange. Can I participate in XLS-66 lending without moving it?

No — and that's by design. XLS-66 lending is non-custodial, meaning your XRP stays in your own wallet and every transaction requires your personal signature from your hardware device. When your XRP sits on an exchange, the exchange holds the private keys — you can't sign on-chain transactions because you don't actually control the wallet.

To participate, you'd need to withdraw your XRP from the exchange to a cold wallet you own (Ledger, Arculus, ELLIPAL, hardware wallet, or SafePal), then link that wallet through Xaman on CryptoOwnBank. This is a one-time setup.

The tradeoff is real: on an exchange, the exchange handles security for you but also controls your assets. With a cold wallet, you get full control and can earn yield directly on-chain, but you're responsible for securing your device and recovery phrase.

Some people choose to keep a portion on an exchange for quick trading and move the rest to cold storage for long-term holding and yield opportunities like XLS-66. That's a personal decision based on your comfort level and goals.

What is the Recommendations Hub?

The Recommendations Hub is your personalized yield optimization center. It analyzes every asset in your portfolio — across all connected exchanges and blockchain wallets — and tells you exactly what you could be earning. It includes six tabs: Optimize (action items sorted by potential yield), By Asset (consolidated view of each asset across all wallets/exchanges), Best in Class (top yields ranked across all crypto), Staking (on-chain staking opportunities with wallet-specific guides), DeFi vs TradFi (side-by-side comparison of DeFi yields vs bank/traditional rates), and Prices (live market data). Every recommendation is tagged as on-chain or custodial so you always know who controls your keys.

How do the on-chain vs custodial badges work?

Every yield recommendation displays a custody badge. A green globe icon means the opportunity is on-chain — you interact directly with a blockchain protocol and keep full ownership of your assets. An amber building icon means the opportunity is custodial — a company (typically an exchange) holds your assets on your behalf. Each badge also shows which blockchain the opportunity runs on (e.g., Ethereum, Cosmos, XRPL). We always prioritize showing on-chain options first, because your keys = your crypto.

What are the wallet-specific staking guides?

For assets that support on-chain staking (like TRX, ALGO, ATOM, HBAR, DOT, ADA, ETH, CRO), we provide step-by-step instructions tailored to your exact cold wallet hardware. Whether you use a Ledger, ELLIPAL, SafePal, hardware wallet, or Arculus, the guide walks you through exactly how to stake from that specific device — which app to open, which buttons to press, and how to confirm. No more searching YouTube or Reddit for instructions.

Why does CryptoOwnBank recommend spreading assets across multiple wallets?

Spreading your crypto across multiple cold wallets is a risk mitigation strategy — similar to not keeping all your cash in one bank. If one device is lost, damaged, or compromised, only a portion of your assets is affected. CryptoOwnBank never recommends consolidating into a single wallet. Each wallet gets its own set of staking instructions and yield recommendations.

What do the special token statuses mean (Already Earning, Staked Position, Generated Token)?

Some tokens have special statuses that mean you're already earning or in an optimal position: 'Already Earning' (e.g., stETH via Lido) means the token itself is a yield-bearing wrapper — you're earning just by holding it. 'Staked Position' (e.g., HBARX) means this token represents an active staking position. 'Generated Token' (e.g., VTHO from VeChain) means this token is passively generated by holding another asset. 'Staking via [Platform]' (e.g., HBAR on Stader) means the wallet is already staking through a recognized provider. No further action needed for any of these.

How does 'By Asset' consolidation work?

The By Asset tab groups the same asset across all your wallets and exchanges into one view. For example, if you hold XRP on a Ledger, ELLIPAL, hardware wallet, SafePal, Arculus, and Coinbase, it shows your total XRP balance, total USD value, and breaks down exactly how much is in each location. This helps you see your true exposure to each asset without logging into multiple apps.

Can I use the CryptoOwnBank tax report directly for IRS filing?

Our tax report is a detailed worksheet — not the actual IRS form itself. It gives you all the data you need (dates, proceeds, cost basis, gains/losses) organized to map directly to IRS Form 8949 and Schedule D. You can hand it to your accountant, import the TurboTax CSV into tax software, or use the numbers to fill in the forms manually.

Which IRS forms do I need for crypto taxes?

Capital gains and losses from selling or trading crypto go on IRS Form 8949 (Sales and Dispositions of Capital Assets), with totals transferring to Schedule D of your Form 1040. Soil vault interest income is taxable as ordinary income — report it on Schedule 1 (Additional Income), Line 8z as 'Other income.' Our reports break everything down by short-term vs long-term to match these forms.

How do I import my tax report into TurboTax?

On the Tax Reports page, click the 'TurboTax' export button to download a CSV formatted specifically for TurboTax import. In TurboTax, navigate to Investment Income, select 'Upload CSV,' and choose the downloaded file. The column format (Currency Name, Purchase Date, Date Sold, Proceeds, Cost Basis, Gain/Loss) matches what TurboTax expects.

Does the report combine exchange data and Soil vault activity?

Yes — the tax report pulls from all sources into one unified output. This includes trades from connected exchanges (Binance, Coinbase, Kraken, etc.), Soil vault deposits and interest payments synced from the XRPL blockchain, and any manually entered transactions. You get one complete picture across all your crypto activity in a single downloadable file.

How is Soil vault interest taxed?

Soil vault interest payments are classified as ordinary income, taxable in the year you receive them. Each interest payment from the Soil vault address to your wallet is recorded with the exact amount, date, and transaction hash from the XRPL blockchain. Depositing RLUSD into a Soil vault is a capital movement (not a taxable event). Only the interest you actually receive is reported as income — accrued but unpaid interest is not included.

Do I still need the tax forms from my exchanges?

Our report is designed to be your single source for all crypto tax data. However, exchanges like Coinbase and Kraken also issue their own tax forms (1099-MISC, 1099-B). It's good practice to cross-reference, but you don't need to report the same transactions twice. Our system deduplicates — exchange API data and on-chain Soil data are separate transaction sets with no overlap.

Can the IRS track my crypto if it's on the blockchain?

Yes — more than most people realize. Here's how it works:

Exchange KYC is the starting point. When you withdraw from Uphold, Coinbase, Kraken, or any regulated exchange, they log exactly which blockchain address received your funds. They report this to the IRS. At that moment, the IRS knows that address belongs to you.

Chain analysis companies do the rest. The IRS contracts with firms like Chainalysis and CipherTrace that map transaction graphs across entire blockchains. Once one address is linked to your identity (via an exchange withdrawal), they can follow every transaction forward — deposits to Soil vaults, DEX swaps, transfers to other wallets you control. The blockchain is a public ledger — every transaction is visible forever.

On-ramps and off-ramps create a trail. Every time crypto touches a bank account, exchange, or payment processor, there's a KYC touchpoint. Even using a 'fresh' wallet, the moment you cash out or buy in through a regulated entity, the trail connects back to you.

1099 reporting is expanding. Under current IRS rules, exchanges and brokers are required to report transactions directly. Uphold, Coinbase, and Kraken already issue 1099 forms.

Subpoenas. The IRS has successfully subpoenaed Coinbase, Kraken, and others for full customer records — not just suspected tax evaders, but wide sweeps of all users above certain thresholds.

The bottom line: If you bought crypto through a KYC'd exchange (and most people did), the trail from that exchange to your wallet address already exists. The blockchain's transparency works both ways. That's exactly why CryptoOwnBank includes full tax reporting and cost basis tracking — so you stay ahead of it instead of scrambling later. Note: proposed US legislation may exempt certain domestic crypto transactions from taxation in the future, but until that's signed into law, the current rules apply.

If I move RLUSD from Uphold to my own wallet, is that taxable?

Generally no. Transferring your own assets from an exchange to a wallet you control is a self-transfer — no sale, no exchange, no gain realized. It's like moving money from your checking account to your savings account. However: (1) Uphold logs the withdrawal and the destination address, so keep records showing both accounts are yours. (2) Some tax software incorrectly flags exchange withdrawals as dispositions — you may need to mark it as a transfer manually. (3) Once the RLUSD is in your Xaman wallet and earning interest in Soil, that interest is taxable as ordinary income when received. (4) If you use Earn & Accumulate to convert interest into XRP, that swap is a separate taxable event. The transfer itself isn't the issue — it's what you do with the assets after that matters for taxes. Always consult a crypto-savvy CPA for your specific situation.

What is the Token Manager?

The Token Manager lets you view and manage your XRPL trustlines — think of it like opening currency accounts at a bank, except free, instant, and fully in your control. A trustline tells the XRPL: 'I'm willing to hold this token from this issuer.' You can add trustlines for popular tokens like RLUSD (Ripple's USD stablecoin), Sologenic (SOLO), Coreum (CORE), and more with one tap, or manually enter any currency code and issuer address. Removing a trustline (only possible when balance is zero) is like closing an empty account. Everything is signed with your cold wallet — we never touch your keys. Learn more: https://xrpl.org/trust-lines-and-issuing.html

How does DEX Trading work?

Both the XRP Ledger and Stellar have built-in decentralized exchanges (DEX) — no company runs them. When you place an order, it goes directly on the blockchain. If someone has a matching order, the trade happens automatically and settles in 4–5 seconds. Your funds never leave your wallet until the trade executes. Compare that to a traditional stock exchange: you call a broker, they place the order, it's matched on the NYSE, and settlement takes T+2 (two business days). On CryptoOwnBank, you can trade on both DEXs: the XRPL DEX (via Xaman/Ledger) and the Stellar DEX (via LOBSTR, StellarTerm, or StellarX). Both support limit orders, market orders, and live order books — all signed from your own wallet.

Why do built-in DEXs matter? How are they different from Uniswap or a centralized exchange?

This is one of the most important things to understand about XRPL and Stellar — and why CryptoOwnBank chose them. Most blockchains (Ethereum, BNB Chain, Solana) don't have an exchange built into the chain itself. Instead, third-party apps like Uniswap, PancakeSwap, or Jupiter were built on top — each with their own smart contracts, their own fees, their own risks, and their own governance tokens you might need to hold. If Uniswap's smart contract has a bug, your funds are at risk. If PancakeSwap's team disappears, the app goes offline. If the front-end gets hacked, users get phished. The XRPL and Stellar DEXs are fundamentally different — the exchange is part of the blockchain protocol itself, just like sending a payment is. No third-party app runs it. No smart contract can be exploited. No company can shut it down or change the rules. When you place an order on the XRPL DEX, the validators process it the same way they process any transaction — it's as native as sending XRP. This means: (1) No smart contract risk — the exchange logic is in the protocol, audited by the same validators that secure the network. (2) No middleman app — you don't need to trust a website, a team, or a DAO. (3) No extra gas token — on Ethereum, you need ETH to pay gas for a Uniswap trade. On XRPL, the DEX trade and the fee are both in XRP, at a fraction of a penny. (4) No wrapped tokens — you trade native assets, not 'wrapped' versions that add another layer of risk. (5) Always available — the DEX runs as long as the blockchain runs. No downtime, no maintenance windows. Compare: on Coinbase, you trust a company to hold your funds and match your orders. On Uniswap, you trust a smart contract and a front-end website. On the XRPL DEX, you trust the same protocol that secures every XRP transaction. That's the difference between a feature built on top and a capability built into the foundation.

What is the Quick Swap feature?

Quick Swap is a simplified trading interface on both the XRPL DEX and Stellar DEX pages. Instead of the full order book view, you just pick a pair, enter an amount, see the estimated rate, and swap. It uses a market order under the hood — your wallet signs the trade and it executes instantly at the best available price. Think of it like using a currency exchange kiosk vs. placing a limit order on a forex platform. For more control (setting your own price, viewing the full order book), switch to 'Advanced' mode.

What is XRP's role as a bridge currency?

XRP was designed from day one to be the bridge currency on the XRPL. It connects every asset pair through the DEX's built-in pathfinding. For example, if you want to swap EUR for BTC on the XRPL, the network can automatically route EUR → XRP → BTC through the order book — all in one atomic transaction that settles in 4 seconds. This is why the XRPL DEX page shows so many pairs: XRP/RLUSD, XRP/USD, XRP/EUR, XRP/BTC, XRP/ETH, XRP/GBP, XRP/CNY, and more. XRP is the universal connector. Similarly, XLM serves the same bridge role on the Stellar network. This bridge capability is built into the protocol — no routing app, no aggregator service, no third-party needed. The network itself finds the best path. That's the power of having the DEX at the protocol level rather than bolted on top.

How do I send and receive crypto?

Sending crypto on XRPL is like a wire transfer — but instead of filling out forms, paying $25–50, and waiting 1–5 business days, you enter the recipient's XRPL address, choose your amount and currency, sign with your wallet, and it arrives in 4 seconds for a fraction of a penny. You can send XRP or any token you have a trustline for. The Receive tab shows your address as a QR code for easy sharing. Safety tips: always verify the recipient address carefully, send a small test amount first for new recipients, and include a destination tag when sending to exchanges (required by most exchanges to credit your account). Learn more: https://xrpl.org/payment.html

Is this safe? Do you hold my funds?

No — CryptoOwnBank is 100% non-custodial. We never hold, control, or have access to your funds or private keys. Every transaction (trustline changes, DEX orders, payments) is built in your browser and signed on your cold wallet (Ledger or Xaman). We only read your public address to display balances and prepare unsigned transactions for you to approve. Non-custodial design does not eliminate wallet, software, network, or transaction risk. If CryptoOwnBank disappeared, your funds would remain in your wallet on the XRPL blockchain.

What tokens can I trade on the XRPL DEX?

You can trade any token that has been issued on the XRPL — as long as you have a trustline set for it. We currently list 44 pairs organized into categories: Stablecoins (XRP/RLUSD, XRP/USD via Bitstamp, XRP/USD via GateHub, XRP/EUR), Crypto (XRP/BTC, XRP/ETH, XRP/XLM, XRP/LTC, XRP/DOGE, XRP/SOL, XRP/ADA, XRP/VET, XRP/ZIL, XRP/XDC, XRP/SHIB, XRP/HBAR, XRP/DGB, XRP/CRO, XRP/EOS, XRP/FLR, XRP/ICP, XRP/LINK, XRP/ONDO, XRP/TON, XRP/SUI, XRP/TRX, XRP/ZBCN, XRP/DOT, XRP/AVAX, XRP/ATOM, XRP/ALGO, XRP/NEAR, XRP/APT, XRP/PEPE, XRP/BONK, XRP/UNI, XRP/AAVE, XRP/MATIC, SOLO/XRP, CORE/XRP, ELS/XRP, CSC/XRP), and Fiat (XRP/GBP, XRP/CNY). Notice that XRP connects every single pair — it's the bridge currency that links stablecoins, crypto, and fiat all through one native DEX. No Uniswap, no PancakeSwap, no third-party smart contracts. The Token Manager makes it easy to add trustlines for these tokens before you start trading. The DEX is fully permissionless — anyone can issue tokens and create markets.

What tokens can I trade on the Stellar DEX?

On the Stellar DEX, we list 13 pairs across two categories: Stablecoins (XLM/USDC, XLM/EURC, XLM/USDT, USDC/EURC) and Crypto (XLM/BTC, XLM/ETH, XLM/XRP, XLM/DOGE, XLM/AQUA, XLM/yXLM, XLM/SHX, XLM/RMT, XLM/MOBI). XLM acts as the bridge currency, just like XRP does on the XRPL — and you can even trade XLM/XRP directly, bridging both ecosystems. You need a trustline for any token you want to hold — most Stellar wallets (LOBSTR, Freighter) make adding trustlines easy. We show live order book data from the Stellar Horizon API and link you to LOBSTR, StellarTerm, or StellarX to execute trades in your own wallet.

How does the Stellar Wallet Dashboard work?

Connect your Stellar public address (starts with G, 56 characters) to see your full wallet overview — XLM balance, all token holdings with trustlines, base reserve calculation (0.5 XLM per trustline + 1 XLM base), and recent transaction history pulled live from the Stellar Horizon API. Your address is saved to your account so it persists across sessions. We never ask for your secret key — everything is read-only on-chain data. From the wallet dashboard you can jump directly to Send & Receive, Token Manager, or DEX Trading.

How do I send and receive payments on Stellar?

Go to Send & Receive under the Stellar section. To send: enter the recipient's Stellar address, pick the asset from your actual wallet holdings (XLM, USDC, EURC, or any token you hold), set the amount and optional memo, then hit Generate Transaction. We create a web+stellar:pay URI and give you one-tap deep links to open it directly in LOBSTR, Freighter, StellarTerm, or StellarX — whichever wallet you use. To receive: switch to the Receive tab to generate a QR code and payment link with your address, amount, and currency pre-filled. Share it with anyone and they can pay you instantly. The Contacts tab lets you save frequent recipients for quick access.

How does the Stellar Token Manager work?

The Token Manager shows all your current trustlines (token holdings) on Stellar and lets you add or remove them. Popular tokens like USDC, EURC, yXLM, AQUA, and SHX have one-click add buttons. For any other Stellar asset, use the custom trustline form — enter the asset code and issuer address. When you add or remove a trustline, we generate links for LOBSTR, StellarTerm, StellarX, or the Stellar Laboratory so you can sign the ChangeTrust transaction in your preferred wallet. You can only remove a trustline if your balance is zero.

Can I create invoices on Stellar?

Yes — the Stellar Invoices page lets you create payment requests with a recipient address, amount, currency, and optional memo. Each invoice generates a web+stellar:pay URI and a QR code that your client can scan with any Stellar wallet (LOBSTR, Solar, Freighter). Invoice history tracks status, and you can copy the payment link or share it directly. It's the Stellar equivalent of our XRPL invoicing tools — same workflow, different chain.

Do recurring payments work on Stellar?

Yes — Stellar is fully supported in Recurring Payments. When you create a recurring payment, select 'Stellar' as the chain and choose XLM, USDC, or any token from your wallet holdings. When a payment comes due, CryptoOwnBank creates an execution record and gives you a Sign button that generates a web+stellar:pay URI. Tap it to open your Stellar wallet with the payment pre-filled — approve it and you're done. The Payment Queue also works with Stellar for offline/batch payment workflows.

What is DCA (Dollar-Cost Averaging) and how does it work?

DCA is an investment strategy where you buy a fixed dollar amount of an asset on a regular schedule — instead of trying to time the market. CryptoOwnBank automates this for both XRPL (31 trading pairs) and Stellar (18 trading pairs) using the native DEX on each chain. You choose what to spend, what to buy, how much per buy, and the frequency (daily, weekly, every 2 weeks, monthly, or quarterly). For weekly and biweekly schedules, you can pick a preferred day of the week — most people choose Thursday or Friday to line up with payday. When a buy is due, the system creates a pending DEX offer and sends it to your mobile wallet — Xaman for XRPL, or LOBSTR for Stellar. You approve with a quick tap and you're done. Your funds never leave your wallet until you approve. You can also set a total number of buys (e.g. 52 for 1 year of weekly Friday buys) or leave it running indefinitely.

Can I use DCA with my cold wallet?

DCA orders require an approval from a wallet that can sign the particular transaction; watch-only addresses cannot sign. Xaman is a supported XRPL connection, but do not assume a Ledger paired through Xaman or LOBSTR over Bluetooth can sign DCA orders. Hardware signing depends on the supported connection, device, and transaction type. Check your wallet's signing path before scheduling a buy. Issued tokens may also require a trust line before they can be received.

What trading pairs are available for DCA?

On XRPL, you can DCA across 31 pairs organized by goal:

Accumulate XRP — buy XRP with RLUSD, USD (Bitstamp), EUR (GateHub), or sell SOLO/CORE/ELS into XRP.
Accumulate RLUSD — buy RLUSD with XRP, or sell tokens into RLUSD.
Buy Tokens with XRP — SOLO, CORE, ELS, BTC, ETH, SOL, LINK, ONDO, HBAR, FLR.
Buy Tokens with RLUSD — SOLO, CORE, BTC, ETH.
Sell Tokens → XRP — BTC, ETH, SOL, LINK, ONDO, HBAR, FLR.

On Stellar, you can DCA across 18 pairs: Accumulate XLM, Accumulate USDC, Buy Tokens with XLM (BTC, ETH, XRP, AQUA, yXLM), and Buy Tokens with USDC (BTC, ETH, XRP). Every pair lets you choose exactly what you spend and what you receive.

Is DCA non-custodial? Who holds my funds?

100% non-custodial. CryptoOwnBank never holds, touches, or has access to your funds. The DCA scheduler runs server-side and creates a pending DEX offer when your buy is due — but the offer is NOT submitted to the blockchain until you personally approve it in your Xaman or LOBSTR wallet. Your private keys never leave your device. If you don't approve a pending execution, nothing happens — your funds stay right where they are.

What is Earn & Accumulate XRP?

Earn & Accumulate is a Premium feature that connects your Soil vault yield to the XRPL DEX through DCA. The flow: earn yield in Soil → withdraw your full position when ready → RLUSD returns to your wallet → your DCA order automatically converts it to XRP on the next scheduled run.

You control the DCA settings: how much to convert (10–100% of your RLUSD, via a slider) and a minimum threshold (e.g. only buy when you have 5 RLUSD or more). Soil currently only supports full withdrawal (principal + interest together), so after converting to XRP, you can redeposit your principal back to keep earning.

It's fully non-custodial — the DEX offer only submits when you approve in Xaman. Everything happens on the same XRPL account: earn in Soil → withdraw → DCA to XRP, all from one wallet.

What is the Legacy Plan (dead-man switch)?

The Legacy Plan is a recovery guide for heirs — not a guarantee that assets will be recovered. It helps your family follow instructions you wrote if you pass away or become incapacitated. CryptoOwnBank never stores seed phrases or private keys. It is available as a standalone add-on for $29/yr, $99 for 5 years, or $499 one-time for lifetime access, and is included with Pro ($99/mo or $799/yr). You check in on a schedule you choose. If a check-in and grace period pass without a response, your beneficiaries receive the recovery instructions you prepared, such as where a hardware wallet or separately secured recovery backup is located.

What we NEVER store: seed phrases, private keys, passwords, or PINs. We only store your instructions about where those things are. Everything is encrypted at rest and delivered only when the switch triggers. This is a guide for heirs to follow — not a guarantee of recovery.

How does the Legacy Plan check-in work?

You press the 'I'm Still Here' button on your Legacy Plan dashboard. That's it — one click resets your timer. You choose how often: weekly, biweekly, monthly (recommended), or quarterly. If you miss a check-in, the system enters a grace period (default 14 days, configurable up to 90 days). During grace, your secondary contact is notified so they can try to reach you. If you still don't check in by the end of the grace period, the system triggers and your beneficiaries receive their instructions. You can check in anytime — even during the grace period — to reset everything back to normal.

How does the Legacy Plan handle hardware wallets and split recovery backups?

Record location and access instructions for the hardware wallet and any separately stored recovery pieces without entering the secret data itself. If your wallet uses a threshold or multi-part recovery scheme, document how many pieces are required and where each piece is held. Beneficiaries receive only the instructions assigned to them. CryptoOwnBank never needs the seed phrase, private key, PIN, or recovery-piece contents.

What is Split Delivery for the Legacy Plan?

Split delivery is like multi-sig for email — instead of one beneficiary getting all your wallet recovery instructions, you split the information across multiple people so they must collaborate. For example, Person A gets the hardware-wallet location and Person B gets the separately secured recovery-backup location. Neither person alone has the complete recovery map.

You can choose All Required (every beneficiary's piece is needed) or Threshold (M-of-N, such as any 2-of-3 beneficiaries). This works with hardware wallets and vendor-neutral multi-part or threshold recovery schemes. Never enter seed words, private keys, PINs, or recovery-piece contents into the Legacy Plan.

What is the new Wallets-first view in the Legacy Plan?

Most legacy tools force you to think 'people first' — list a beneficiary, then guess who gets what. The Wallets-first view flips it: you start with each wallet you own, and you decide for each one how it recovers and who is involved. Open /legacy-plan and switch to the Wallets tab to see every wallet in your portfolio with a status dot — green (covered), amber (auto-assigned and needs your review), or red (no heirs assigned yet).

For each wallet you pick a recovery mode:
• Solo — one person can recover the wallet alone.
• Joint (K-of-N) — multiple people each hold a piece and must cooperate, such as with vendor-neutral threshold-recovery shares or split backups.
• Shared — multiple people can each recover independently.

For every assigned heir you can write a piece description and a private note that only that person sees. Never enter secret words, private keys, PINs, or recovery-piece contents. At the wallet level you can also add free-text wishes visible to everyone.

What does 'auto-assign new wallets' do?

Set a default heir on your Legacy Plan, and any new wallet you connect gets automatically attached to them with an amber 'Review' badge. That way the moment you add a new chain or address, your inheritance plan stays complete by default — you'll never have a forgotten wallet sitting outside the plan. When you have time, click the wallet, confirm or change the recovery mode and people, and the amber dot turns green. You can change the default heir anytime in Legacy Plan settings.

What is Family Collaborative Mode? Can my kids or spouse see my portfolio?

Yes — and they can see it without ever touching it. Open /family and invite anyone you trust by email (your spouse, your kids, your accountant, your estate executor). They get an invite link, sign in with that email, and from then on they have a read-only view of your wallets, balances, and positions. A persistent blue banner at the top of their view says 'Viewing as guest of [your name]' so it's never confused with their own account.

What they CAN do: see your portfolio total, every wallet, every position, every balance. What they CANNOT do: send funds, swap, set up DCA, change settings, see private keys, or see seed phrases. None of that is even rendered for them. You can revoke access from /family at any time and it takes effect immediately — they lose the view on their next page load.

This is great for: teaching kids about money with real numbers (without giving them spending power), letting an aging parent's adult children keep an eye on the account, or giving an estate executor visibility before anything bad happens. Family Collaborative Mode is non-custodial like everything else on CryptoOwnBank — guest seats see what you see, but they have no keys and no authority.

How is Family Collaborative Mode different from the Legacy Plan?

They solve different problems and work together. Family mode is for now — your trusted people can see your portfolio in real time while you're alive and well, so they understand what you have and where it lives. Nothing is delivered, no keys are shared, and you can revoke at any moment. Legacy Plan is for later — if you stop checking in, the wallet recovery instructions you carefully wrote and (optionally) encrypted are released to the right beneficiaries on your terms. Most members use both: Family mode so the family is already familiar with the dashboard, and Legacy Plan so the actual recovery information passes only when needed. Family seats are included on Premium and Pro tiers.

What is the Sovereignty Recovery Kit, and how does it work with the Legacy Plan?

The Sovereignty Recovery Kit is a printable, self-contained HTML document you can download for free from /sovereignty-kit — every tier, including Free. It lists your public wallet addresses grouped by chain (never seed phrases or private keys — we don't have those), plus chain-by-chain restore guidance: which wallets to install for BTC, XRPL, Stellar, EVM chains, and Monero, how to import a seed, how to verify balances, how to store the phrase on paper or metal, and an annual sovereignty drill checklist so you prove to yourself once a year that you can still get to your assets without us. It's the document you use to verify your own sovereignty while you're alive.

How it feeds into the Legacy Plan: if you have a Legacy Plan, the same chain-by-chain restore guidance is bundled automatically into your Survivability Export as an appendix titled 'How to actually restore the assets,' reframed for the beneficiary audience. Your family gets one complete document — beneficiary instructions, device locations, encrypted vaults, AND restore guidance — not two files to track down in a stressful moment. Update one source, both documents stay current. The kit on /sovereignty-kit is for you; the bundled appendix in the Legacy Plan export is for the people you leave it to.

What is the Annual Review for the Legacy Plan?

Every year, CryptoOwnBank reminds you to review your entire Legacy Plan — and it's not just a passive email you can ignore. You must log in to your dashboard and click the attestation button confirming everything is still accurate.

Why this matters: Beneficiaries, contact details, homes, banks, devices, and backup arrangements change. Replacing one hardware wallet or recovery scheme with another can make old recovery instructions inaccurate. The annual review checklist walks you through beneficiaries and their emails, device and backup locations, secondary contact, split-delivery assignments, and your personal message. Never enter seed words, private keys, PINs, or recovery-piece contents. A banner appears on your Legacy Plan dashboard when the review is due. After you attest that the plan is current, the next review is set for one year later.

What does 'Member for Life' mean, and what Legacy Plan purchase options are available?

Member for Life is the name of the $499 one-time lifetime-access Legacy Plan option. The other purchase options are $29/yr and $99 for 5 years. Pro ($99/mo or $799/yr) includes Legacy Plan lifetime access. Annual card purchases renew until canceled; the 5-year and Member for Life options are one-time purchases. If recurring access lapses, the plan is paused rather than deleted, so the stored plan data can be resumed later.

What is the Legacy Plan Lifetime ($499 one-time)?

Legacy Plan Lifetime is a single payment of $499 (or ~$449 in crypto with our 10% on-chain discount) that gives you the Legacy Plan forever — no recurring charges, no expired-card failures, no risk that a forgotten subscription causes the plan to lapse at exactly the wrong moment.

What 'lifetime' actually covers: the plan stays active for as long as you're alive AND for 12 months after your dead-man switch fires and the recovery instructions are released to your beneficiaries. That extra year exists so your survivors have time to actually use the system — read the emails, combine the SLIP-39 shards on /decrypt, ask questions through support — without us yanking access in the middle of their grief.

Inheritability: the lifetime seat passes to your primary beneficiary on trigger. They get a free year on us as the new account-holder, then convert to whatever tier suits them. We think this is the most honest thing a crypto inheritance product can do — make sure the person who actually inherits has a working account, not a paywall.

Why we built it: recurring subscriptions are the #1 silent failure mode for estate planning. People set up a will, a Legacy Plan, a beneficiary form — and then a card expires, a bank closes, an email goes to spam, and the whole thing quietly stops working. Pre-paying once removes that failure mode entirely. It's also significantly cheaper than what most estate-planning lawyers charge for a single will revision.

Pay with card or crypto: $499 via Stripe, or ~$449 in any of 25 supported cryptocurrencies (BTC, ETH, XRP, SOL, RLUSD, XLM, and more) for an automatic 10% on-chain discount.

Why do BTC, ETH, SOL, XRP, and RLUSD get a bigger discount?

We call those five our House Tier — pay your subscription, add-on, or Legacy Lifetime in any of them and you get the same flat 10% on-chain discount as every supported cryptocurrency. House Tier is a preferred-coin designation, not an extra discount. The reason is honest treasury alignment: BTC, ETH, and SOL are blue-chip assets we're comfortable holding (they tend to appreciate over time, denominated in dollars that don't), and XRP/RLUSD are our home chain — RLUSD literally funds the Soil Protocol vaults where members may discover published target rates (those change; rates vary; not guaranteed by CryptoOwnBank). When you pay us in those assets, you're effectively contributing to a treasury we want to grow rather than to a Stripe payout we have to convert. We pass the savings back to you as the bigger discount.

The other 20 supported cryptocurrencies (DOGE, LTC, ADA, AVAX, ATOM, XLM, TON, MATIC, and more) still get the standard 10% on-chain discount versus card payment — they're absolutely welcome, just not part of the house tier.

Founder Badge: if you buy Legacy Plan Lifetime in any House Tier coin, your account gets a permanent visible Founding Member badge showing which coin you paid in and the month. It's our way of saying thank you to the members who put real Bitcoin, Ether, Solana, or XRP into the platform on day one.

Can I switch from monthly to lifetime later?

Yes. If you're already on the $29/yr or $99/5yr Legacy Plan add-on, you can upgrade to lifetime at any time — just cancel the existing recurring add-on from Settings → Add-Ons, then purchase the $499 lifetime SKU. Your existing Legacy Plan data (beneficiaries, encrypted vaults, SLIP-39 shards, check-in history, settings) is preserved across the switch — only the billing model changes. We don't pro-rate or refund the previous month/year, but the math works out fast: 50 months of monthly = $499, so anyone planning to keep this for more than 4 years is better off on lifetime.

What are the wallet-specific recovery templates?

When you add a beneficiary, you select the wallet type — and the form transforms into a template tailored to that exact wallet's recovery method. We support 16 wallet types across three categories:

Hardware wallets (cold): Ledger (24-word BIP39 + optional 25th word passphrase), hardware wallet X1 (2-of-5 Shamir cards + device), Trezor (12/24-word seed), ELLIPAL (air-gapped, QR-only, 12/24-word mnemonic), Tangem (NFC card set — no seed phrase, the cards ARE the backup), Coldcard (Bitcoin-only, 24 words + optional passphrase), Keystone (air-gapped QR, 24 words), and BitBox02 (24 words + microSD backup).

Software wallets (hot): Xaman (XRPL family seed or secret numbers), MetaMask (12-word Secret Recovery Phrase), Trust Wallet, Phantom (Solana), Exodus (with optional email backup), and Coinbase Wallet (with optional cloud backup).

Exchange accounts (custodial): Coinbase, Kraken, Binance, or any exchange — with fields for login credentials location, 2FA method, and estate process notes.

Each template tells you exactly what information is critical for that specific wallet — PIN location, passphrase location, card locations (for hardware wallet), which apps are installed (for Ledger), the 2FA device (for exchanges), companion software (Ledger Live, Trezor Suite, etc.), and more. Your survivor doesn't need to know crypto — the template tells them exactly what they need and where to find it.

Can the Legacy Plan pre-fill from my connected wallets?

Yes. When you add a beneficiary and select a wallet type, the system checks your connected wallets and shows you which ones might be on that device. Select the wallets that are on that hardware, click 'Load Selected,' and the asset summary auto-fills with actual wallet addresses and current balances — so your survivor sees exactly what assets are on each device. You can edit the summary before saving. This means you don't have to remember what's on each device — the data comes straight from your portfolio.

What is the Encrypted Vault in the Legacy Plan?

The Encrypted Vault is an optional feature that lets you include sensitive recovery data — like seed words, PINs, passwords, or passphrases — with your beneficiary's instructions. This is for members who want a digital backup alongside their physical seed storage, to protect against the risk of the physical backup being lost, destroyed, or unfindable by a survivor.

How the encryption works: You create a 'Legacy Passphrase' and enter the sensitive recovery data directly in your browser. The data is encrypted using AES-256-GCM (the same encryption standard used by banks, governments, and military applications) with PBKDF2 key derivation (600,000 iterations of SHA-256). The encryption happens entirely in your browser — the plaintext never leaves your device, is never transmitted over the internet, and is never seen by CryptoOwnBank's servers. We store only the encrypted ciphertext, which is meaningless without your passphrase.

What AES-256-GCM means in plain terms: AES-256 is a 256-bit encryption key — there are more possible keys than atoms in the observable universe. GCM (Galois/Counter Mode) ensures both confidentiality and integrity, meaning the data cannot be read OR tampered with without the correct passphrase. PBKDF2 with 600,000 iterations means even if someone tried to guess your passphrase by brute force, each attempt takes significant computation time, making dictionary attacks impractical.

The two-factor protection: Your survivor needs two things to access the data: (1) the encrypted blob (delivered via email when the dead-man switch triggers), and (2) the Legacy Passphrase (which you share separately — verbally, in a will, through an attorney, or in a sealed envelope in a safe). Neither piece is useful without the other. Even if CryptoOwnBank were breached, the attacker would get encrypted blobs they cannot open. Even if the email is intercepted, same result — useless without the passphrase.

Decryption: When triggered, the survivor visits cryptoownbank.com/decrypt, pastes the encrypted text from the email, enters the passphrase, and the decryption happens entirely in their browser. Nothing is sent to any server. The page works offline after loading. CryptoOwnBank never has the ability to decrypt your data — even if compelled by a court order, because we simply do not have the key.

Can I test the vault decryption before relying on it?

Yes — and you should. During setup, after encrypting your recovery data, a 'Test Decrypt' button appears. Click it to verify the decryption produces the correct plaintext before saving the beneficiary. We strongly recommend writing down your Legacy Passphrase and storing it in at least two separate physical locations (e.g., attorney's sealed envelope + home safe). If the passphrase is lost, the encrypted data is permanently unrecoverable — that's the trade-off for true zero-knowledge encryption.

What is SLIP-39 and why should I use it for my Legacy Plan?

SLIP-39 is the open standard for splitting a seed phrase into multiple shards so that no single person — and no single location — ever holds the whole secret. Instead of one 12 or 24-word phrase that anyone who finds it can drain, you can split it into (say) 5 shards where any 3 reconstruct the original.

Why we built it in: the #1 way crypto inheritance fails is a single point of failure — a fire destroys the steel plate, a thief finds the safe, a relative photographs the page. Splitting the seed across people and places eliminates that single point. We support presets like 2-of-3, 3-of-5, and custom group structures (e.g. 'family OR attorney+accountant'), so you can tailor it to who you actually trust.

How we make it safe to learn: there's a Learn & Sandbox page where you can experiment with a throwaway seed before you ever touch your real one. The splitter runs entirely in your browser — your seed never leaves your device, never touches our servers, never appears in any log. We never see it, never store it, can't recover it for you. You always remain in full control.

Why does the splitter run in my browser instead of on the server?

Because the moment your seed phrase touches anyone else's computer — ours, an exchange's, a 'helpful' web tool's — you have to trust that machine forever. We refuse to be in that position with your money. The SLIP-39 splitter, the AES-256-GCM vault encryption, and the shard combiner on /decrypt all run as JavaScript in your browser. Your seed and shards exist only in your tab's memory, get wiped when you close it, and never leave your device.

This is a deliberate architectural choice with a real cost: we can't help you recover a lost passphrase, can't undelete a shard, can't 'reset' anything. But it also means a CryptoOwnBank breach, a rogue employee, a subpoena, or a server compromise gives the attacker exactly nothing useful about your wallet. That's the standard you should demand from anyone holding inheritance data — and it's the standard we hold ourselves to.

How does the /decrypt page help my survivors?

/decrypt is a standalone page that requires no login, no account, and no CryptoOwnBank subscription. Your survivors paste in the encrypted vault they received by email, type the Legacy Passphrase you shared with them, and the page decrypts it locally in their browser. The same page also includes a SLIP-39 shard combiner: they paste in the shards they collected from the people you trusted, and it reconstructs your seed phrase.

Why this matters: when your family needs this, the last thing they should be dealing with is creating an account, paying a subscription, or hoping our company still exists. By making /decrypt a self-contained, login-free, browser-only page, your beneficiaries can use it years from now even if CryptoOwnBank no longer exists — anyone with a copy of the page (or any open-source SLIP-39 tool) can recover the wallet. That's what 'true ownership' means: even our shutdown can't lock your family out.

What is the auto-suggestion scanner for wallets over $10k?

When you connect a wallet that holds more than $10,000 in value, your dashboard surfaces a friendly nudge suggesting you set up (or extend) a Legacy Plan for it. We don't auto-enroll you, charge you, or share the data — it's just a reminder shown to you, the wallet owner.

Why we built it: people who lose access to a $500 wallet shrug it off; people whose families lose access to a $50,000 wallet never recover. The painful reality is that most large-balance wallets have no inheritance plan because the owner kept thinking 'I'll set it up next month.' The scanner makes 'next month' impossible to forget. You can dismiss the suggestion permanently if you've already handled it elsewhere — we won't nag.

What is the Last-Resort Fallback and why does it exist?

The Last-Resort Fallback is the safety net for the safety net. Imagine the dead-man switch fires correctly, your beneficiaries receive their shards by email, but then — for any reason — they never actually combine them. Maybe they lose their shard. Maybe two of them stop speaking. Maybe one passes away before they reconstruct. Without a fallback, your encrypted vault sits forever and your family inherits nothing.

How it works (default settings, all configurable): if no one successfully reconstructs the seed within 1 year of the trigger firing, the system enters a 30-day notification phase where every stakeholder (all beneficiaries + your secondary contact + you, if you're somehow still reachable) gets an email saying 'release is being considered.' If no one objects in those 30 days, a second 60-day confirmation phase begins with a final warning email. Only if no objection arrives in that combined 90-day window does the encrypted vault get released to your beneficiaries directly — bypassing the unrecoverable shard situation.

Why the long window: we err extremely heavily on the side of NOT releasing prematurely. A full year plus 90 days of stakeholder notifications gives anyone the chance to say 'wait, the owner is still alive' or 'we just need more time to coordinate the shards.' One click in the email pauses release for another 90 days.

You're in control: the entire fallback is opt-in, configurable, and can be disabled from your Legacy Plan dashboard at any time. If you'd rather your encrypted vault stay locked forever than risk release, just turn it off.

Who can object to a last-resort release, and how do I know it can't be abused?

Only the people you chose can object: your beneficiaries, your secondary contact, and you yourself (using the email on your account). When the notification email goes out, it includes a one-click objection link. Clicking it opens a page where the stakeholder enters the email address they received the notification at, optionally a reason, and submits. Our server checks that the email matches one of the stakeholders on YOUR plan before recording the objection — random strangers cannot delay your family's inheritance, even if they somehow obtain the link.

Every action — notification sent, confirmation sent, objection received, release executed — is recorded in a tamper-evident audit log on your plan, so there's a complete history if anyone ever asks 'what happened?' This is your money and your family's future; we treat the audit trail accordingly.

How do I keep my SLIP-39 shards safe between now and when they're needed?

A few practices we strongly recommend, in order of importance:

(1) Diversify locations. If shards live in two places (home + safe deposit box), one fire or one burglary can wipe them out. Aim for 3+ physically separated locations across people you trust.

(2) Use durable media. Paper burns and rots; ink fades. For long-term storage, stamp shards onto stainless steel plates (Cryptosteel, Billfodl, or a $20 punch set on plain steel works fine). For maximum security, hardware wallets like the hardware wallet X1 do SLIP-39-style splitting natively and ship shards on tamper-evident cards.

(3) Keep an offline copy of the recovery tool. The official iancoleman SLIP-39 page is open-source and can be saved as a single HTML file you keep on a USB stick — it works fully offline forever. We link to it from the Learn page so your survivors aren't dependent on us being online.

(4) Test the recovery once. Before you walk away, do one full dry-run: hand shards to your trusted people, then have a subset combine them on /decrypt to confirm the seed reconstructs. A plan you've never tested is a plan that probably doesn't work.

Should I paste my recovery phrase into a wallet form on CryptoOwnBank?

No. The wallet creation page generates a new wallet locally in your browser; it does not offer a seed-import form. For an existing wallet, add its public address for watch-only tracking on /wallets, or connect a supported signing wallet. Never paste your recovery phrase into an address, label, search, or support form, even if a warning appears. Keep your backup private and verify the site address before connecting a wallet.

Are there fees for using XRPL and Stellar Tools?

CryptoOwnBank charges no platform fees for using the Token Manager, DEX Trading, DCA Orders, or Send & Receive on either chain. The only cost is the network fee — approximately 0.00001 XRP per transaction on XRPL, or 0.00001 XLM (100 stroops) on Stellar. Both are a fraction of a fraction of a penny. Compare that to $25–50 wire transfer fees, $5–15 stock trading commissions, or 1–3% exchange fees. These are two of the cheapest networks to transact on.

What is Crypto News?

The Crypto News page aggregates the latest headlines from CoinDesk, CoinTelegraph, Decrypt, and The Block — the most trusted names in crypto journalism. Articles refresh every 15 minutes and open in a new tab to the original source. You can filter by source or search by keyword.

What is the 'For You' news section?

When you're logged in, the Crypto News page shows a personalized "For You" section at the top. It scans every article and matches it against the assets you actually hold in your wallets. If you own XRP, BTC, ETH, or any of 20+ supported assets, articles mentioning those assets are surfaced automatically with blue asset badges so you know exactly why it's relevant. It stays in one dedicated section — no pop-ups, no banners, no distractions elsewhere on the site. The information comes to you when you're ready for it.

What are Whale Alerts?

Whale Alerts is real-time monitoring of large XRP and RLUSD transfers on the XRP Ledger. The system watches for transactions of 1 million XRP or more, and 500,000 RLUSD or more. You see the amount, direction, and identified wallets (e.g. Binance, Ripple, Kraken, Bitstamp) in real time — so you know when big players are moving funds. Free users see the last 24 hours of whale activity; Premium and Pro users see extended history.

Can I customize whale alert thresholds?

Yes — Premium and Pro users can set custom minimum thresholds for both XRP and RLUSD whale alerts. The defaults are 1 million XRP and 500,000 RLUSD. You can lower them to a minimum of 100,000 XRP and 10,000 RLUSD to catch smaller whale movements, or raise them to focus only on the biggest transfers.

How does whale wallet identification work?

We maintain a curated database of known XRPL wallet addresses covering major exchanges (Binance, Kraken, Coinbase, Bitstamp, Uphold, and more), Ripple-associated wallets, escrow accounts, token issuers, and DeFi protocols. When a whale transaction occurs, we look up both the sender and receiver to show you human-readable labels like 'Binance Hot Wallet' or 'Ripple Escrow' instead of just raw addresses. Unknown wallets still show the raw address.

What technical analysis indicators are available?

Free users get Simple Moving Average (SMA) at 20, 50, and 200 periods with up to 30 days of data. Premium and Pro users unlock all indicators: Exponential Moving Average (EMA 12/26), Relative Strength Index (RSI, 14-period), MACD (12/26/9 with signal line and histogram), and Bollinger Bands (20-period, 2 standard deviations) — with up to 10 years of candlestick data (1D, 1W, 1M, 3M, 1Y, 3Y, 5Y, and 10Y timeframes). Charts support interactive zoom and pan across 21 supported crypto assets including BTC, ETH, XRP, SOL, XLM, ADA, and more.

Does the chart tell me what the candlestick patterns mean?

Yes — the chart has live pattern detection built in. When you hover over any candle, the tooltip automatically identifies if it matches a known pattern (Doji, Hammer, Shooting Star, Bullish/Bearish Engulfing, Morning Star, Evening Star, Marubozu, Piercing Line, Dark Cloud Cover, Three White Soldiers, Three Black Crows, and more). Each pattern shows a colored badge (green for bullish, red for bearish, yellow for neutral) and a plain-English explanation of what it means — like 'Buyers pushed price back up' or '3-candle reversal — uptrend may be ending.' Small diamond markers also appear on the chart where patterns are detected, so you can spot signals at a glance. There's also a collapsible 'How to Read This Chart' section right above the chart that teaches you the anatomy of candlesticks — what the body, wicks, and shapes mean — plus a full Chart Patterns & Indicators Guide below with deeper education on single, double, and triple candle patterns, reversal/continuation chart formations, and indicator explanations.

What's the difference between a limit order and a market order?

A limit order lets you set your price and wait for a match — like saying 'I'll buy XRP at $2.00 or less.' Your order sits in the order book until someone is willing to sell at your price. A market order executes immediately at the best available price — you get filled right away but might pay slightly more (or receive slightly less) than the current displayed price. On the XRPL DEX, limit orders use OfferCreate and market orders use OfferCreate with the Immediate or Cancel flag.

What is a destination tag and when do I need one?

A destination tag is like a memo or reference number attached to an XRPL payment. Exchanges like Binance, Coinbase, Uphold, and Kraken use a single XRPL address for all their users — the destination tag tells the exchange which user account to credit. If you're sending to an exchange, always include the destination tag they provide or your funds may be lost. If you're sending to a personal wallet (your own XRPL address), you typically don't need a destination tag.

What is Token Research?

Token Research is a free tool that lets you look up any EVM token by its contract address and get an instant safety report before you buy. It checks for honeypot traps (tokens you can buy but never sell), hidden mint functions (the creator can print unlimited tokens and dump on you), ownership risks (the creator can pause trading or blacklist your wallet), buy/sell tax (some tokens take 50%+ of every transaction as a hidden fee), and holder concentration (if one wallet holds 90% of supply, they can crash the price in one transaction). It returns a 0-100 risk score and plain-English warnings so you can make an informed decision. It supports Ethereum, BNB Chain, Polygon, Arbitrum, Base, Avalanche, and Optimism.

How do I find a token's contract address?

You have two options. The easiest way is to use the "Search by Name" tab on the Token Research page — type any token name or symbol (like "PEPE" or "Chainlink") and we'll search CoinGecko for matches, showing you the token's price, market cap, and which chains it's deployed on. Click "Analyze" on any result to run the full safety check instantly. If you already have a contract address from DEXScreener, DEXTools, or GeckoTerminal, switch to the "By Contract Address" tab and paste it directly. Always verify the contract address matches what the project officially published — scammers create copycat tokens with the same name to trick people.

What does the risk score mean?

The risk score ranges from 0 (lowest risk) to 100 (highest risk). It's calculated from multiple security signals: honeypot detection, hidden mint functions, ownership privileges, buy/sell taxes, proxy contract risks, and holder concentration. A score of 0-19 is considered lower risk (green), 20-49 is medium risk (yellow), and 50-100 is high risk (red). A low score doesn't mean a token is a good investment — it means the contract doesn't have obvious technical red flags. Price can still go to zero for reasons that have nothing to do with the contract code.

What is a honeypot token?

A honeypot is a token where you can buy but cannot sell. The contract code contains hidden logic that blocks sell transactions for everyone except the creator. You watch the price go up, try to sell, and your transaction fails — meanwhile the creator sells their share and disappears with the liquidity. This is one of the most common crypto scams. Token Research checks for this automatically and flags it as the highest-severity warning.

What does 'hidden mint function' mean?

A hidden mint function means the contract owner can create new tokens out of thin air at any time. They deploy the token with a fixed supply, let people buy in, then mint millions of new tokens and dump them on the market — crashing the price. If Token Research flags 'Mintable,' it means the contract has this capability. It doesn't mean they will use it, but it means they can.

What are buy/sell taxes?

Some tokens have a built-in tax on every buy or sell transaction. A 5% buy tax means if you buy $100 worth, you only receive $95 worth of tokens. A 10% sell tax means if you sell $100 worth, you only get $90. Some scam tokens start with low taxes and then the owner changes them to 99% — making the token effectively unsellable. Token Research shows you the current buy and sell tax percentages so you know what you're getting into before you trade.

Can I swap a token directly from the research page?

Yes. After researching a token, click the "Trade on EVM Swap" button and it takes you to the EVM Swap page with the token's contract address and chain pre-filled. Even if the token is too small for 1inch, EVM Swap automatically falls back to the chain's native DEX (Uniswap, PancakeSwap, etc.) so you can buy it right here without leaving the site. You still need to review the swap details, connect your wallet, and approve the transaction — but the entire research-to-purchase flow happens on CryptoOwnBank.

Is Token Research financial advice?

No. Token Research is a technical analysis tool that reads smart contract code and on-chain data. It tells you what the contract can do — not whether the token is a good investment. A token can pass every security check and still lose 100% of its value due to market conditions, team abandonment, regulatory action, or simply lack of demand. Always do your own research beyond the contract analysis, never invest more than you can afford to lose, and understand that most new tokens fail.

How do I choose which chain to buy a token on?

When a token is available on multiple chains (for example, Ethereum and BNB Chain), consider four factors: Liquidity & Volume — the chain with more trading volume gives you a better price with less slippage; check DEXScreener to compare. Gas Fees — Ethereum gas can be $2-50+ per swap, while BNB Chain, Polygon, Arbitrum, and Base are typically under $1; for smaller purchases, high gas eats a big percentage of your investment. Contract Security — the same project can have different contract code on different chains, so run Token Research on both and compare risk scores. Bridge Risk — if a token originated on one chain and was bridged to another, the bridged version depends on the bridge contract's security. Rule of thumb: for larger amounts, prioritize the chain with the most liquidity; for smaller amounts, prioritize lower gas fees. If you already hold ETH or BNB in your wallet, buying on that chain avoids the extra cost and risk of bridging funds.

Does Token Research work for XRPL or Stellar tokens?

No — Token Research is for EVM-compatible chains only (Ethereum, BNB Chain, Polygon, Arbitrum, Base, Avalanche, and Optimism). XRPL and Stellar tokens work differently — they don't have smart contracts with hidden functions, so the same types of honeypot and mint risks don't apply. On the XRPL, token safety is more about issuer trustworthiness and trustline settings, which you can evaluate through the Token Manager.

Can I use CryptoOwnBank to accept payments for my business?

Yes. Connect your XRPL wallet, set up trustlines for the currencies you want to accept (like RLUSD), and use OwnCoin POS — your portable crypto point-of-sale. Open it on your phone, pick your receiving wallet and currency, and a QR code appears instantly. Your customer scans it with Xaman or any XRPL wallet, taps approve, and payment settles directly to your wallet in 4 seconds. CryptoOwnBank is the tooling layer — we give you the tools to process your own payments. We never sit between you and your customer, never hold funds, and never take a percentage. No processing fees, no chargebacks, no merchant account needed.

What is OwnCoin POS?

OwnCoin POS is your portable crypto point-of-sale terminal — built into CryptoOwnBank. Go to OwnCoin POS in the sidebar under OwnBank XRPL. Select which wallet receives funds (XRP, RLUSD, XLM, USDC, or any supported currency), optionally set an amount, and a branded QR code appears on your screen. Your customer scans it and pays — no app download required on their end, just any compatible wallet. You can also share the payment link via text, email, or social media. If you add your business name and logo in Settings, the card displays your branding so it looks professional. Use it at a market stall, in a meeting, at a food truck, or anywhere you do business. Settlement is 4 seconds on XRPL, near-zero fees, no chargebacks, and the money goes directly to your cold wallet.

How does this compare to Stripe or PayPal for accepting payments?

The difference isn't just fees — it's control. With Stripe (typically 2.9% + $0.30 per transaction, 2-day settlement), PayPal (around 2.99% + $0.49, with account freezes at their discretion), and wire transfers ($25–50, 1–5 business days), a company sits between you and your money. They can freeze your account, delay payouts, demand documentation, limit your transaction volume, or shut you down entirely — and you have no recourse because it's their platform. On the XRPL, funds go directly from your customer's wallet to yours in about 4 seconds for approximately 0.00001 XRP (a fraction of a penny). Nobody can freeze your wallet, nobody can delay your settlement, nobody can shut you down. On a $5,000 invoice, Stripe takes about $145 and holds it for 2 days. On the XRPL, you keep every penny and have it immediately. The tradeoff: your customers need an XRPL wallet. But for crypto-native businesses, freelancers, and international payments, the combination of lower cost and total control over your own money is what being your own bank actually looks like in practice.

Can my customer pay in one currency and I receive another?

Yes — the XRPL has built-in cross-currency pathfinding. XRP acts as the bridge currency. If a customer pays in EUR and you want to receive RLUSD (US dollars), the XRPL can automatically route EUR → XRP → RLUSD using the DEX order book liquidity. It all happens in one transaction, typically in 4 seconds, with no correspondent banks and no SWIFT codes. The only costs are the tiny network fee (~0.00001 XRP) and the DEX spread (the difference between buy and sell prices on the order book, which varies by pair and liquidity). This is Ripple's original vision for XRP as a bridge currency — and your business can use it today.

Is accepting crypto payments legal for my business?

In most jurisdictions, yes. Accepting cryptocurrency as payment for goods and services is legal and treated similarly to accepting any other form of payment. You'll need to track the fair market value at the time of receipt for tax purposes (our portfolio tracker and tax reports help with this). Because CryptoOwnBank is non-custodial and you process payments directly through your own wallet, there's no intermediary involved — similar to a customer handing you cash, except on-chain. We recommend consulting a tax professional for your specific situation.

What is a 'payment corridor' and how does XRP fit in?

A payment corridor describes moving value between people or places. CryptoOwnBank provides tools to prepare on-chain payments to a recipient-controlled wallet on supported networks; the recipient must have a compatible wallet and accept the asset. Network fees, liquidity, and exchange rates can vary. We do not provide a remittance or cash-out service. Converting received crypto to local cash requires a separate provider, subject to its availability, fees, and requirements.

What about chargebacks? Can a customer reverse a crypto payment?

No — and this is one of the biggest advantages of being your own bank. With credit card processors, a customer can dispute a charge up to 120 days after purchase. The card network (Visa, Mastercard) almost always sides with the buyer, and the merchant loses the money plus a $15–25 dispute fee from Stripe or PayPal — even if the product was delivered. U.S. merchants lose over $100 billion per year to chargebacks. For small businesses, a few fraudulent disputes can wipe out an entire month's profit. On the XRPL, payments are final the moment they confirm — about 4 seconds. There is no bank sitting between you and your customer that can reach into your account and pull money back out. No 120-day dispute window, no chargeback fees, no lost revenue to fraud. You keep what you earned, period. If a legitimate refund is needed, YOU decide — you send a payment back through the Send & Receive page on your terms, for your reasons, on your timeline. That's the difference between using a payment processor and being your own bank: with Stripe, someone else controls whether you keep your money. With the XRPL, you do.

Can freelancers and contractors use this for invoicing?

Absolutely. Share your XRPL address or QR code with your client, specify the amount and currency (RLUSD for dollar-equivalent payments), and they send it directly. The payment settles in 4 seconds. Save your regular clients as contacts in the address book for quick access. For international freelancers, cross-currency payments mean your client in Germany can pay in EUR and you receive RLUSD — no bank conversion fees, no waiting days for a wire, no PayPal holding your funds for 21 days.

Do I need Premium to accept business payments?

The Send & Receive page and Token Manager (for setting up trustlines) are available on the free tier. DEX trading (XRPL and Stellar) requires Premium or above. Premium also adds unlimited blockchain address tracking, full transaction history, and tax reports — which become valuable as your payment volume grows and you need to track everything for accounting and tax filing.

What if I don't have a bank account? Can I still use CryptoOwnBank?

Yes — and this is exactly the point. An estimated 1.4 billion adults worldwide are unbanked — no access to a traditional bank account at all. Whether that's because there's no bank branch nearby, you don't have the required documentation, or you can't meet minimum balance requirements, traditional finance was never built to include you. The XRPL requires nothing but an internet connection. Download a wallet app like Xaman, create an account in minutes, and you have full access to: receive payments from anyone in the world, send money in 4 seconds for a fraction of a penny, trade on a decentralized exchange, hold dollar-pegged stablecoins (RLUSD) to protect against local currency inflation, and explore third-party yield opportunities on savings (rates vary; not guaranteed). No bank account, no credit check, no minimum balance, no government ID required by the network. A street vendor in Lagos and a Wall Street trader use the same blockchain, pay the same fees, and settle in the same 4 seconds.

What does 'debanked' mean and how does CryptoOwnBank help?

Debanked means you had a bank account or payment processor — and lost it. Banks close accounts without explanation. PayPal freezes funds for 180 days. Stripe shuts down businesses overnight. Entire industries (crypto, cannabis, firearms, adult content, even legal political organizations) have been systematically cut off from traditional financial services — not because they broke laws, but because a compliance algorithm flagged them as 'high risk.' When you're debanked, you can't process payments, can't receive payroll, can't run your business. On the XRPL, nobody can close your wallet. Nobody can freeze your funds. Nobody can decide your business is too risky to serve. Your wallet runs on a decentralized blockchain that no single company controls. CryptoOwnBank gives you the tools to operate your financial life entirely on-chain — accept payments, manage tokens, trade, earn yield — without needing permission from any institution. That's what being your own bank means when the banks don't want you.

Can someone in another country use CryptoOwnBank to participate in global commerce?

A person in another country may receive supported crypto directly in a wallet they control, if they can access a compatible network and wallet and the sender uses the correct address and asset. CryptoOwnBank offers non-custodial on-chain tools, not a remittance or cash-out service. Converting crypto to local cash happens through an external provider, where availability, identity requirements, exchange rates, and fees vary. On-chain payments also involve network fees and risks.

Do I need to buy crypto through an exchange, or can I just earn it?

You can earn it directly — no exchange or bank account needed. If you sell goods, provide services, or do any kind of work, you can get paid in XRP or RLUSD instead of cash. A farmer sells produce at a market: the buyer scans the farmer's QR code in Xaman, sends 25 RLUSD, and the farmer has $25 in digital dollars in 4 seconds. No bank involved at any point. No conversion step. No fees. The only requirement to get started is someone sending you ~10 XRP to activate your wallet (the XRPL network reserve). After that, you can receive unlimited payments from anyone in the world. This is the on-ramp that doesn't go through a bank: you earn crypto by providing value, the same way you'd earn cash — except the money lands in your wallet instantly and nobody takes a cut.

Can I earn, save, and spend entirely in crypto without ever touching a bank?

Yes — this is what we call the circular crypto economy, and it's already possible today. Earn: sell your goods or services and get paid in RLUSD or XRP directly to your wallet. Save: deposit RLUSD into a third-party Soil vault (Soil Treasury / CREDIT+ publish target rates that change — rates vary; not guaranteed) — often compared with bank savings, without CryptoOwnBank holding your keys or funds. Your position compounds automatically until you withdraw. Spend: pay suppliers, vendors, or anyone else with an XRPL wallet. Send money to family. Buy from others who accept crypto. The XRPL handles it all in 4 seconds for fractions of a penny. No bank touches your money at any point in this loop. The more people in your community using XRPL wallets, the less anyone needs traditional banking. A village where 20 people have wallets is a village with its own financial system. Our Getting Started Toolkit for unbanked users at /setup-guide walks through every step of this.

Is crypto worth the same everywhere, or does my country's currency affect it?

This is one of the most important things to understand: 1 XRP held by someone in the United States has the exact same value as 1 XRP held by someone in Nigeria, Argentina, Turkey, the Philippines, or anywhere else. There's no exchange rate working against you. No currency depreciation penalizing you for where you live. In the traditional system, a farmer in Nigeria who earns in naira watches their savings lose value as the currency depreciates against the dollar — sometimes 20-50% in a single year. A farmer who earns in RLUSD (pegged 1:1 to the US dollar) or holds XRP has the same purchasing power as someone holding those same assets in New York. For the first time in history, the financial playing field is actually level. Same token, same value, same tools, same fees, same speed — regardless of geography. That's not a feature of CryptoOwnBank. That's a feature of crypto itself. We just make it easy to use.

How does a farmer or small vendor without a bank use CryptoOwnBank?

Here's the complete path: (1) Download Xaman on your smartphone — free, takes 2 minutes. (2) Get your wallet activated — someone sends you ~10 XRP (a friend, customer, or community member who already uses crypto). (3) Set up an RLUSD trust line — one tap in Xaman, lets you hold dollar-stable value. (4) Start accepting payment — show your QR code when you sell produce, crafts, services, or anything else. Buyer scans, sends RLUSD, you receive $-value in 4 seconds. (5) Spend — pay your seed supplier, your landlord, or anyone else with a wallet the same way. (6) Save — deposit what you don't spend into a third-party Soil vault (published targets change; rates vary; not guaranteed). Compare that to cash under a mattress losing value to inflation. No bank account at any step. No government ID required by the network. No minimum balance. No monthly fees. The only thing you need is internet. See the full step-by-step guide: /setup-guide (choose the 'Unbanked / Debanked' toolkit).

What is FXRP on Flare?

FXRP is a Flare-ecosystem representation of XRP used in third-party apps and strategies on Flare — not a CryptoOwnBank product and not something we custody. Rates and incentives in Flare-related paths vary and are not guaranteed. CryptoOwnBank never holds your keys or funds; you sign in your own wallet. Use our Flare tools for education and discovery only — always verify terms on the third-party protocol. Create free account — we never hold your keys or funds.

What are XRPL AMM Pools?

XRPL AMM (Automated Market Maker) pools are native liquidity pools built directly into the XRP Ledger. Unlike traditional order book trading where buyers and sellers match at specific prices, AMM pools allow anyone to provide liquidity by depositing two assets into a pool. In return, you earn a share of the trading fees generated when others swap between those assets. CryptoOwnBank tracks the live state of popular AMM pools — XRP/RLUSD, XRP/USD (Bitstamp), and XRP/USDT (GateHub) — showing real-time pool depth, your LP token share percentage, and current trading fee rates.

How do XRPL AMM pools differ from Uniswap or PancakeSwap?

The key difference is that XRPL AMM pools are native to the protocol — no separate smart contract, no third-party DEX app, no governance token required. On Ethereum, you need to connect to Uniswap (a third-party app), approve a smart contract, and pay $5–50 in gas fees. On the XRPL, the AMM is built into the ledger itself. You interact with it directly from your wallet. Fees are fractions of a penny. No smart contract risk. No bridge required. The AMM coexists with the traditional XRPL order book DEX, giving you both options on the same chain.

What is impermanent loss in AMM pools?

Impermanent loss occurs when the price ratio of the two assets in a pool changes after you deposit. If you provide liquidity for XRP/RLUSD and XRP's price doubles, you would have been better off simply holding your XRP rather than providing liquidity — because the pool rebalances and you end up with more RLUSD and less XRP. The loss is called 'impermanent' because it reverses if prices return to where they were when you deposited. Trading fees you earn from the pool may offset impermanent loss, especially in high-volume pools. The CryptoOwnBank AMM Pools page includes an educational section explaining this in detail.

How do I deposit liquidity into an XRPL AMM pool? (Step-by-step, verified)

Here is the exact flow that works today, end-to-end. Native one-tap LP deposits via Xaman are coming soon — for now you sign through a trusted XRPL AMM xApp inside Xaman. 1) Pick a pool on CryptoOwnBank. Open the AMM Pools page, find the pair you want (e.g., XRP/RLUSD), and tap Provide Liquidity. A dialog opens with the live trading-fee rate, the pool address, and the steps below. 2) Make sure both assets are in your Xaman wallet. For XRP/RLUSD that means you need XRP and RLUSD in the same wallet. To add RLUSD: in Xaman, tap Add a token → search RLUSD → enable the trustline (one-time, ~2 XRP reserve). Then send some RLUSD to that address from an exchange that supports it (Uphold, Bitstamp, Bitso). 3) Open the xApps tab in Xaman. Bottom navigation → xApps. (Xaman does not have a built-in AMM menu — XRPL AMM operations live inside xApps.) 4) Open Magnetic. Tap the search icon top-right and open Magnetic — the most popular XRPL DEX/AMM xApp. FirstLedger and Sologenic also work. 5) Find the pool. Inside Magnetic, go to Pools (or Liquidity), search by symbol, or paste the pool address from the CryptoOwnBank dialog to find the exact pool. Tap Add Liquidity. 6) Enter amounts and sign. You can deposit single-sided (one asset) or balanced (both at the current ratio). The xApp shows you the LP tokens you will receive. Xaman pops up the AMMDeposit transaction — slide to sign. 7) Confirm success. Within a few seconds your XRP and RLUSD balances drop in Xaman, and a new line item with an "LP" badge appears at the bottom of your token list (it shows the pool address, e.g., rhWTXC2m2...VPb1tcS3 for XRP/RLUSD). That is your liquidity position — you are now earning a share of every trade through that pool. 8) Track it on CryptoOwnBank. Refresh the AMM Pools page — your position auto-appears in Your Liquidity Positions with current value and accrued fees. To withdraw later: reverse the flow — open Magnetic → Pools → select your position → Withdraw → sign the AMMWithdraw in Xaman. Your XRP and RLUSD return to your wallet (plus any fees you earned).

What is Flare FTSO and how do delegation rewards work?

Flare is a Layer 1 blockchain designed to provide decentralized data to smart contracts. FTSO (Flare Time Series Oracle) is Flare's native price oracle system. You earn rewards by delegating your WFLR (wrapped FLR) to FTSO data providers — these are operators who submit price data to the network. When their data is accurate, both the provider and their delegators earn FLR rewards. Estimated APY varies by provider you delegate to and current network participation rates.

What is FlareDrop and how do I claim it?

FlareDrop is a 36-month token distribution program that rewards Flare holders who wrap their FLR to WFLR. Each month, a portion of FLR tokens is distributed proportionally to WFLR holders. To be eligible: (1) Hold FLR in a supported wallet like Bifrost Wallet. (2) Wrap your FLR to WFLR. (3) Claim each monthly distribution through the Flare Portal or Bifrost Wallet. CryptoOwnBank's Flare page shows your current FlareDrop eligibility, which month the distribution is on, and a readiness checklist to make sure you're set up to receive drops.

How do I get started with Flare FTSO delegation?

Here's the step-by-step: (1) Get FLR tokens — buy on an exchange like Uphold, Kraken, or Bitrue, or receive them from the original FLR airdrop. (2) Move FLR to Bifrost Wallet — download it from the App Store or Google Play, create a wallet, and withdraw your FLR from the exchange to your Bifrost address (starts with 0x). Use the Flare network, not Ethereum or XRPL. Test with a small amount first. (3) Wrap your FLR to WFLR — tap Wrap inside Bifrost. Leave 5–10 FLR unwrapped for gas fees. (4) Delegate WFLR to FTSO data providers — choose up to 2 providers in the FTSO Delegation section. Your tokens stay in your wallet — delegation is a signal, not a transfer. (5) Claim rewards — accumulate every ~3.5 days, claim in Bifrost and re-wrap to compound. See the full setup guide on the Flare FTSO Rewards page.

What is the Native Staking Guide and which chains are supported?

The Native Staking Guide covers chains where you can earn yield directly from the blockchain protocol — no smart contracts, no bridges, no middlemen. Currently live: Cardano (ADA via AdaLite, Yoroi, Daedalus, or Eternl — published staking rates change; not guaranteed), Cosmos (ATOM via Keplr — published staking rates change; not guaranteed), Polkadot (DOT via Nova Wallet — published staking rates change; not guaranteed), and Solana (SOL via Phantom — published staking rates change; not guaranteed). Coming soon: XRP Ledger native lending vaults (XLS-65/66, currently in validator voting). The page shows your staked vs unstaked balances for each chain, projected yearly yield, and step-by-step staking guides for Premium members. If you hold tokens that aren't staked yet, you'll see a nudge showing how much you could be earning.

What is the earnXRP vault and can I earn yield on my XRP?

earnXRP-style paths (for example Flare-related / Upshift-style tooling) are third-party — CryptoOwnBank does not hold your XRP, FXRP, or keys. Your wallet signs; assets may be bridged or wrapped (e.g. as FXRP) and deployed into curated strategies. Yield is variable — rates vary and are not guaranteed. Redeem flows return assets to your wallet when the third-party path allows. We never hold member keys or funds. Create free account. See the Flare FTSO Rewards page for setup context.

What RWA protocols are covered in the Earn & Yield Explorer?

The Earn & Yield Explorer covers 10+ protocols: Soil Protocol (third-party RLUSD vaults; published targets change — rates vary; not guaranteed), Ondo Finance (USDY and OUSG backed by US Treasuries), Maple Finance (institutional credit), OpenEden (tokenized T-Bills), Backed Finance (bIB01 tokenized bonds), Goldfinch (emerging market credit; published rates change), Centrifuge (real-world trade receivables), Aave and Compound (variable DeFi lending rates), Morpho (optimized lending), and Spark/MakerDAO. Rates on that page are each protocol's own figures, typed in by us, so they can be out of date. Check the protocol's published target today. It changes.

Does CryptoOwnBank support Bitcoin and the Lightning Network?

Yes — both, and both non-custodially. Bitcoin on-chain has been part of our 32+ chain portfolio tracker from day one: add any BTC address (legacy, SegWit, or Taproot — 1…, 3…, or bc1…) and we pull the balance, convert it to USD live, and roll it into your portfolio totals, Recommendations Hub, and Legacy Plan. Lightning is now a first-class send/receive surface at cryptoownbank.com/bitcoin. We never hold sats, never hold a key, and never see your channels — every payment is signed inside your own Lightning wallet (Phoenix, Muun, Wallet of Satoshi, Breez, Zeus, Alby, etc.). We're the interface; your wallet is the bank.

How do I send Bitcoin over Lightning from CryptoOwnBank?

Open Bitcoin & Lightning → Send tab. You have two ways to pay: (1) Paste a BOLT11 invoice (those long strings starting with lnbc… someone shares with you) — tap 'Open in Lightning wallet' and your phone hands the invoice to Phoenix, Muun, WoS, Breez or whichever LN wallet you have installed. You confirm and sign there. (2) Pay a Lightning Address (e.g., alice@walletofsatoshi.com) — enter the address and the amount in sats, and our server requests a fresh BOLT11 invoice from the recipient's LNURL endpoint, then opens your wallet to sign. Optional comment field works on wallets that support it (LUD-12). If your wallet doesn't auto-launch, we show a fallback QR you can scan with any Lightning wallet.

How do I receive Bitcoin over Lightning at CryptoOwnBank?

Open Bitcoin & Lightning → Receive tab. You'll need a Lightning Address from your wallet first (Wallet of Satoshi, Alby, Phoenix with LNURL plugins, BTCPay-hosted nodes, etc. all give you one in name@domain.tld format). Paste it in, hit Verify & Save — we ping the recipient's LNURL-pay endpoint to confirm it's reachable and capture the min/max sats it accepts. Once saved, the page displays it as a scannable QR (and copyable text). Anyone with a Lightning wallet can scan and pay you instantly. You can optionally set a specific amount in sats so the requestor doesn't have to type it. Your address is stored locally on your device only — we don't keep it on our servers.

Why doesn't CryptoOwnBank just hold my sats for me, like a bank account?

Because that's the entire reason CryptoOwnBank exists. The day we hold your sats is the day we become FTX, Celsius, BlockFi, or Mt. Gox — a single point of failure with billions of dollars of other people's money on its balance sheet. The Lightning Network is inherently a network of self-custodied wallets connected by payment channels, and we want to keep it that way. Our role is to be the easiest possible interface: a clean Send screen that handles invoice + LNURL parsing, a clean Receive screen with QR codes, plus full BTC on-chain tracking inside your portfolio. The funds always stay in your Lightning wallet, signed by your keys. Even if CryptoOwnBank vanished tomorrow, your sats would still be in Phoenix, Muun, or Wallet of Satoshi — completely untouched.

Which Lightning wallets work with CryptoOwnBank?

Any wallet that handles the standard lightning: deep link will work, which is essentially all of them. We specifically recommend: Phoenix (self-custodial, ACINQ-built, beginner-friendly automated channels), Muun (hybrid on-chain + Lightning, nice UX), Wallet of Satoshi (custodial but easiest, great for first-timers), Breez (self-custodial with built-in POS features for merchants), Zeus (power users, connects to your own LND/Core Lightning/Eclair node), and Alby (browser extension + hub, includes a Lightning Address by default). Ledger users with the Lightning sidecar setup also work fine. Pick what fits your custody preference — CryptoOwnBank doesn't care which one you use.

What's a Lightning Address vs a BOLT11 invoice — and which should I use?

A BOLT11 invoice is a one-time payment request that encodes a specific amount, a description, and a payment hash (those long lnbc1500n1p… strings). It expires after a short window (usually 1 hour) and can only be paid once. Use a BOLT11 when someone sends you a specific bill to pay. A Lightning Address looks like an email (name@domain.tld) and is a permanent identifier under LUD-16 — the recipient's server generates a fresh BOLT11 on demand whenever someone wants to pay them. Use a Lightning Address when you want a stable identity that anyone can pay (think tip jar, donation page, or just sharing your contact info). CryptoOwnBank's Send tab handles both seamlessly — just paste whichever you have.

Are there fees? How fast are Lightning payments?

CryptoOwnBank charges zero fees on Lightning payments — we don't touch your sats, so there's nothing to take a cut of. The only fees involved are the Lightning routing fees your wallet pays to nodes that forward your payment, which are typically 0–10 sats for most consumer payments (often less than $0.01). Settlement is essentially instant — most payments confirm in 1–3 seconds globally, including cross-border. Compare that to a US wire ($25 + 1–3 business days) or PayPal international (4% + 24 hours). On-chain Bitcoin payments cost more in fees and confirm in 10–60 minutes; Lightning is the right choice for everything under ~$500 or anything time-sensitive.

What's coming next for Bitcoin & Lightning on CryptoOwnBank?

This first release ships Send (BOLT11 + Lightning Address), Receive (your address as QR), and full BTC on-chain portfolio tracking. Next up on our roadmap, in priority order: (1) Lightning recurring payments — schedule weekly/monthly auto-payments to a Lightning Address (great for tipping creators or paying subscriptions); (2) Lightning-denominated invoices in the Invoices feature so you can bill clients in sats with a payment link; (3) BTC DCA on Lightning corridors via partner integrations; (4) BTC inheritance recipes in the Legacy Plan for Bitcoin-only wallets like Coldcard, BitBox02, and Sparrow setups. We'll never custody — every new feature stays non-custodial.

Is there a CryptoOwnBank mobile app?

CryptoOwnBank works as a Progressive Web App (PWA) — you can install it directly from your browser to your phone's home screen. It opens full screen like a native app, with its own icon and fast loading. No App Store or Google Play needed. On iPhone (important): you must use Safari — Apple blocks Chrome, Edge, and Firefox on iOS from installing PWAs. Open cryptoownbank.com in Safari, tap the Share button (square with arrow up at the bottom-center), scroll down past the app row, then tap 'Add to Home Screen' → 'Add'. On Android: open in Chrome, tap the three-dot menu, then 'Install app' or 'Add to Home Screen.' On both platforms, an install prompt also appears at the bottom of the screen after a few seconds of browsing — on Chrome iOS it includes a one-tap 'Copy URL' button to make the Safari handoff easier. Once installed, you have your entire crypto dashboard one tap away — portfolio, DCA approvals, whale alerts, Legacy Plan, everything.

I installed the PWA but a recent site update isn't showing up. How do I refresh?

PWAs cache the app shell for fast loading, so occasionally an update needs a moment to roll out. Most of the time: close the PWA fully (swipe up from the app switcher to dismiss it), then reopen it — our service worker auto-detects new versions, installs them, and reloads the page on next launch. If that doesn't work: on iPhone, long-press the CryptoOwnBank icon on your home screen → 'Remove App' → 'Delete App,' then reinstall via Safari (Share → Add to Home Screen). On Android, long-press the icon → 'App info' → 'Storage' → 'Clear cache,' or simply uninstall and reinstall via Chrome. Quick alternative: open cryptoownbank.com in your phone's regular browser (Safari or Chrome) — the browser always serves the latest code with no PWA caching, so you can confirm the update is live there before refreshing the installed PWA.

Why a PWA instead of a native App Store app?

Three reasons: (1) No gatekeeper — Apple and Google can reject, delay, or remove apps from their stores. A PWA goes directly from our server to your phone. No middleman deciding whether you can have access. (2) Instant updates — when we push an update, you get it immediately on your next visit. No waiting for App Store review. No version fragmentation. (3) Same codebase — the PWA is the same app you use on desktop, so every feature is available on mobile from day one. PWAs support offline caching, push notifications, and full-screen mode. For a non-custodial crypto tool, this is the ideal delivery method — your app, your phone, no intermediary.

Does the PWA work offline?

The app shell and recently viewed pages are cached for fast loading. However, most features (portfolio data, live prices, DEX trading, whale alerts) require an internet connection because they pull real-time data from blockchains and APIs. The PWA ensures the app loads quickly even on slow connections and keeps working if you briefly lose signal.

Where can I learn more about the XRP Ledger?

The official XRPL documentation at https://xrpl.org is the best resource. Key pages include: Trust Lines & Issuing (https://xrpl.org/trust-lines-and-issuing.html), Decentralized Exchange (https://xrpl.org/decentralized-exchange.html), Payment transactions (https://xrpl.org/payment.html), and the XRPL Learning Portal (https://learn.xrpl.org). The XRPL is open-source, decentralized, and has been running since 2012.

Where can I learn about Soil Protocol and RLUSD yield?

Visit the Soil Protocol documentation at https://docs.soil.id for details on how vaults work, the real-world assets backing yields, vault terms and withdrawal periods, and institutional lending mechanics. Soil Protocol lends RLUSD to institutional borrowers and passes the yield back to depositors — similar to how banks work, but you keep your keys.

How do I set up and use the Xaman wallet?

Download Xaman from the App Store or Google Play. The official guides are at https://help.xaman.app. Key topics: creating a new XRPL account, importing an existing account, pairing with Ledger Nano X via Bluetooth, adding trust lines for tokens like RLUSD, and signing transactions securely. Xaman is the most popular XRPL wallet and supports QR code and deep link connections.

How do I set up a cold wallet for maximum security?

For hardware wallet setup guides, visit: Ledger (https://support.ledger.com) — supports XRPL natively and pairs with Xaman via Bluetooth. ELLIPAL (https://www.ellipal.com/pages/support) — air-gapped cold wallet, add public addresses to CryptoOwnBank for tracking. hardware wallet (https://hardware wallet.com/support) — key-splitting hardware wallet for ultimate backup security. We recommend starting with a Ledger Nano X paired with Xaman for the best combination of security and convenience. Our Getting Started Toolkits at /setup-guide have step-by-step guides for beginners, businesses, and more.

What is Web3 and how does it relate to storing my crypto?

Web3 is the decentralized internet built on blockchain technology. The core idea is simple: you own your data and your assets directly, without relying on a company to hold them for you. In crypto, this comes down to one principle — if you don't control your private keys, you don't truly own your crypto. Some services will tell you that self-custody isn't enough, that you need to hand your keys to an institutional custodian for safety. But that's just a traditional bank wearing a crypto t-shirt. CryptoOwnBank is built around true ownership. We never hold your keys or your funds. You keep your assets in your own cold wallet (Ledger, ELLIPAL, Arculus, hardware wallet, SafePal, etc.) while we provide non-custodial tools for tracking your portfolio across 32+ blockchains, trading on the XRPL DEX, discovering third-party Soil Protocol vaults for RLUSD (published rates change — rates vary; not guaranteed), and sending payments — all signed directly on your device.

Why should I avoid keeping my crypto on an exchange or with a custodian?

When your crypto sits on an exchange or with any custodial service — whether it's Coinbase, Binance, or a boutique custody firm — someone else holds your private keys. That means they control your assets. FTX looked institutional-grade too, until $8 billion disappeared. Custodial services add layers of counterparty risk: the custodian can be hacked, go bankrupt, freeze your account, get hit with regulatory action, or simply decide you no longer meet their requirements. Some firms charge thousands for the privilege of holding your keys and call it a 'family office service.' CryptoOwnBank takes the opposite approach. Our dashboard connects to exchanges using read-only API keys just to display your balances. Your assets stay where they are — we can't move, trade, or withdraw anything. For active use, we recommend keeping assets in your own cold wallet and using XRPL tools for direct DEX trading and payments. No counterparty risk. No custody fees. No one between you and your crypto.

Are cold wallets really safe? Some companies say they aren't enough for serious investors.

Cold wallets are the gold standard for crypto security, and anyone who tells you otherwise is trying to sell you a custody service. Devices like the Ledger Nano X store your private keys completely offline — they can't be stolen through phishing, malware, or exchange hacks. The argument that cold wallets 'aren't enough once you have real money' is a sales pitch, not a security fact. What serious investors actually need alongside a cold wallet is better tooling — portfolio visibility across chains, yield optimization, tax reporting, and payment infrastructure. That's exactly what CryptoOwnBank provides, without ever asking for your keys. Connect your cold wallet through Xaman for XRPL, or add your public address for any of 32+ chains. We auto-detect your tokens, show balances, surface yield opportunities, and let you trade on the XRPL DEX and deposit into Soil vaults — all signed on your physical device. Your keys never leave the hardware. You get institutional-grade tools with personal-grade ownership.

What about 'institutional custody' services — aren't they safer than doing it myself?

Institutional custody means handing your private keys to a company and trusting them to keep your assets safe. They'll talk about insurance, compliance, and audit trails — but at the end of the day, someone else controls your crypto. That's the exact model that failed with FTX, Celsius, BlockFi, and Voyager. Insurance policies have caps, exclusions, and fine print. Compliance doesn't prevent bankruptcy. Audit trails don't help when a company locks your account. CryptoOwnBank gives you the tools that custodial firms charge thousands for — portfolio tracking across 32+ blockchains, tax reports, yield optimization, payment infrastructure — while your keys stay on your own hardware wallet. No KYC consultations. No custody fees. No LLC formation to access your own money. We start free (1 exchange, 1 blockchain address, full Soil vault access) and Premium is $29/month for unlimited everything. Compare that to firms that charge per-consultation fees just to tell you what you already own.

Do I need a 'family office' or an LLC to manage my crypto?

Not to manage it, no. Some companies will sell you LLC formation, trust structures, and concierge services before you even start investing — adding layers of complexity and cost between you and your assets. Those services have their place for certain legal and estate planning needs, but they're not a prerequisite for securely holding, tracking, and earning yield on your crypto. CryptoOwnBank gives you the operational tools directly: portfolio tracking across 32+ chains, real-time yield recommendations (on-chain vs custodial, clearly labeled), third-party XRPL vault opportunities (rates vary; not guaranteed), DEX trading, payment processing, and tax reports — all non-custodial, all from one dashboard. If you decide you need legal entity structures for estate or tax reasons, you can still do that independently while keeping your assets in your own custody and managing them through CryptoOwnBank. The point is: you should have your tools first and your legal wrappers second — not the other way around.

Do you ever have access to my crypto? What if CryptoOwnBank shuts down?

No — at no point do we have access to your crypto. We are 100% non-custodial. We never see your private keys, never hold your funds, and never have the ability to move your assets. Every vault deposit, withdrawal, trade, and payment is signed by you on your own device. This is the fundamental difference between CryptoOwnBank and custodial services: if a custody firm shuts down, you're in a line of creditors hoping to get your assets back (ask any FTX customer). If CryptoOwnBank shut down tomorrow, your crypto would be completely unaffected. Your funds live on the blockchain in your wallet, not on our servers. You could continue using your cold wallet with any other XRPL-compatible app, access your Soil vault positions directly through Soil Protocol, and view your balances on any blockchain explorer. We're a tool layer on top of your self-custody — not a custodian.

What does “Own nothing, control everything” mean at CryptoOwnBank?

There's a famous line attributed to John D. Rockefeller: “Own nothing, control everything.” Rockefeller used trusts and holding companies to separate legal ownership from practical control — minimizing liability while maximizing power over assets. Some crypto services have adopted a similar playbook: they offer LLCs, institutional custody, and trust structures where entities hold your assets while you maintain control through those intermediaries. That approach has its uses, but it does introduce third parties into the picture. A custodian's terms govern your access. A trust requires legal counsel. An LLC means filings, fees, and another set of rules. CryptoOwnBank takes a different approach. We don't hold your crypto, and we don't set up entities to hold it either. You keep your keys on your own cold wallet. Through that direct self-custody, you maintain control over your decentralized assets: move them, deposit into yield vaults, trade on the DEX, send across borders — on your own terms. Consider how XRP works: Ripple manages the release of 1 billion XRP per month from escrow, but once that XRP reaches someone's wallet, the XRPL protocol doesn't give Ripple a mechanism to restrict how it's used. That's by design. The same principle guides how we think about self-custody for decentralized assets on supported chains. We provide the tools — portfolio tracking, vaults, DEX, payments — but we don't stand between you and your wallet. It's also worth understanding how CBDCs (Central Bank Digital Currencies) differ by design. Because they're centrally issued, the issuer can build rules into the currency itself — potentially governing where it can be spent, setting usage conditions, or applying account restrictions. With decentralized crypto, the protocol works for the holder. With centrally issued digital currencies, the design priorities may be different. Own nothing, control everything — we think you can do even better: own it and control it, with a direct relationship between you and your assets.

Which wallet is best — and do I need more than one?

The right question isn't "which wallet is best," it's "what job is this wallet doing for me?" Different wallets are good at different jobs. A cold wallet (hardware, air-gapped) is your vault — it holds the bulk of your wealth offline, with the strongest protection against hacks, app bugs, and everyday mistakes. You bring it out rarely and carefully, the way you'd open a safety deposit box, and you don't connect it to every new site. A working wallet (a mobile or hardware wallet you plug into apps) is for participation — lending, trading, and using features like XLS-66 lending. It's closer to a debit card than a vault: convenient and connected, but not where you keep everything you own. A hot wallet like Xaman sits in the middle — built to connect smoothly to the XRPL, understand new transaction types quickly, and show you clear, human-readable signing screens. Plenty of people use more than one wallet on purpose: the smart move isn't to find one device that magically does everything, it's to give each wallet a job and stick to it.

Should I keep everything on one wallet?

We don't recommend it. Think about it the way you already think about money in the bank: you don't keep your life savings on the card you shop online with — you keep most of it in a secure account and top up the card with what you need. If the card is ever compromised, the damage is limited to what was on it. Apply that exact pattern to your crypto: keep the bulk of your XRP and long-term holdings on a cold wallet you almost never connect; when you want to lend through XLS-66, move only what you intend to use into a more connected working wallet (for example Xaman, or a hardware wallet wired for our site); use that wallet to sign, repay, and withdraw; then sweep profits and unused funds back to cold storage when you're done. Cold wallets are your vault; Xaman and compatible hardware are your debit cards. Every time you connect a wallet to a website you're making a trade — more security usually means less convenience, and more convenience means more exposure. Separating your savings from your spending lets you have both.

How does CryptoOwnBank support using different wallets for different jobs?

We're built around this layered approach, not against it. We treat vault storage and lending participation as two separate roles, even if you use the same brand of wallet for both. We're explicit about clear signing vs. blind signing, so you always know when your hardware wallet is showing you the real transaction details and when it isn't — see the Signing Options page and its wallet compatibility list. And our policies are designed so you can keep most of your assets in the most conservative setup you're comfortable with while still participating in XLS-66 lending — without dragging your entire cold stack into every new connection. We don't ask you to choose between maximum security and full utility. We help you separate your savings from your spending, so you can have both.

What is Privacy Mode?

Privacy Mode is a setting in your account (Settings → Privacy & Network) that controls how your browser talks to blockchain networks when CryptoOwnBank reads balances, prices, or broadcasts a transaction. By default, your browser connects directly to public RPC providers like Infura, Alchemy, QuickNode, or Ripple's public servers. Those providers can see your IP address and the requests you make. Privacy Mode gives you two alternatives: route those requests through CryptoOwnBank's relay infrastructure (so the RPC provider sees our IP, not yours), or point them at your own private RPC endpoint (so neither we nor a public provider sees them). It is a network-level privacy setting, not a transaction-level one. Your on-chain transactions are still publicly visible on the blockchain — that's how blockchains work — but the IP address that submitted them no longer has to be yours.

What are the three Privacy Mode options?

Direct (default): Your browser connects straight to public RPC providers. Fastest path, no intermediaries, but the provider sees your IP. This is how almost every wallet and dApp works out of the box.

CryptoOwnBank Relay: Reads and broadcasts pass through our backend, which then forwards them to a healthy public RPC. The provider sees CryptoOwnBank's server IP instead of yours. Free members get 10 requests per minute; Pro members get 60. This is the same pattern privacy-respecting wallets like Rabby, Frame, and Brave Wallet use for their own users.

Custom Private RPC: You paste in the URL of an RPC endpoint you control or trust — your own self-hosted node, a paid Alchemy/QuickNode endpoint, a Pocket Network gateway, or anything else. Your browser talks to that endpoint directly; CryptoOwnBank never sees the traffic. This is the strongest option, but it requires you to actually have an endpoint to point at.

What does Privacy Mode NOT do? (Please read this.)

Privacy Mode is honest about its limits. It does not anonymize your on-chain transactions — every send, swap, deposit, and vault interaction is permanently visible on the public blockchain along with the addresses involved. It does not hide your wallet address from chain analytics firms like Chainalysis or TRM Labs, which work from on-chain data, not RPC traffic. It is not a VPN — your general internet traffic still goes through your normal ISP and DNS. It does not change your tax obligations or reporting requirements anywhere. It is not a tool for evading sanctions, KYC requirements, or any law that applies to you. What it does do, narrowly: it changes which IP address public RPC providers see when your wallet pings them. That's a meaningful privacy improvement against passive RPC-side data collection, and we think it's worth offering — but please don't mistake it for something larger than it is.

What is multi-RPC failover and do I have to turn it on?

Multi-RPC failover is automatic. Behind the scenes, CryptoOwnBank now keeps a pool of public RPC endpoints for every chain we touch — Flare, XRPL, Stellar, Ethereum, Avalanche, Solana, Bitcoin, Dogecoin, Litecoin. When one provider rate-limits us, returns a stale block, or simply goes down (and they all do, regularly), our backend automatically tries the next one. Each endpoint has health tracking with exponential backoff, so a flaky provider gets temporarily skipped instead of repeatedly burning your time. You don't have to enable anything. The practical effect: when Infura had its 4-hour outage in November 2024 and half the crypto industry went dark, an app built like this would have stayed up. We didn't exist back then; now we do, and we built for it.

Why does the Pro tier get 60 requests/min on Relay vs 10 for Free?

Honest answer: bandwidth and RPC provider rate limits cost real money, and Relay traffic is the one feature where every active user has a direct, measurable cost to us. We didn't want to gate Privacy Mode entirely — that would be hostile and against the spirit of the product — but we did want a structure that scales. Free members get a comfortable 10 requests/minute, which covers normal portfolio browsing and occasional swaps for almost everyone. Heavy users (active traders, people opening many vault positions per session, anyone running a script) will hit the limit and either upgrade or switch to Custom Private RPC mode, which is unlimited because it doesn't touch our infrastructure. Direct mode is also always free and unlimited because it doesn't touch our infrastructure either. We deliberately built two free unlimited paths so the paywall is about convenience and shared bandwidth, not about gating the privacy principle.

What is the dVPN partner directory and why isn't CryptoOwnBank a VPN?

The dVPN directory is an information page that lists three established decentralized VPN projects — Sentinel, Mysterium, and Orchid — for members who want general internet-level privacy beyond what Privacy Mode covers. We do not operate any of these services, do not log which providers our members choose, do not receive payment for inclusion, and do not run any VPN infrastructure ourselves. CryptoOwnBank is a non-custodial crypto platform; running a VPN service is a fundamentally different business with very different licensing, abuse-handling, and regulatory obligations that we have no interest in taking on. We list these projects because they're publicly documented, open-source, and run by independent teams with their own published terms — and because we'd rather you make an informed choice from established providers than search blindly. As always: third-party services, third-party terms, and you are responsible for compliance with the laws that apply to you.

Is using a custom RPC URL safe?

It depends entirely on whose URL you're using. A self-hosted node you run on your own hardware is the gold standard — nobody but you sees the requests. A paid endpoint from a reputable provider (Alchemy, QuickNode, Ankr, Chainstack) is essentially the same as Direct mode but with a contract that limits what the provider can do with your data. A free public endpoint you found on a list somewhere is worse than Direct mode, because random operators can log your queries, return manipulated balances, or even MEV-sandwich your broadcasts. Two practical rules: (1) only use HTTPS endpoints — we enforce this in the form — and (2) for anything you're going to actually transact through, prefer a provider you have a relationship with over a free anonymous one. CryptoOwnBank validates the URL format but cannot validate the operator's intent; that part is on you, which is exactly what self-custody means.

Why is CryptoOwnBank building all this network-resilience stuff?

Because the dirty secret of "non-custodial" crypto is that almost every wallet and dashboard still has a small handful of single points of failure — the RPC provider, the price oracle, the indexer, the front-end host. When any one of those goes down or decides to deplatform an app, users lose access to their own funds even though the keys are still on their own hardware. "Your keys, your coins" is true; "your keys, your access to your coins" is what we're filling in. Multi-RPC failover means no single provider outage takes the app down. Privacy Mode (especially Custom RPC) means no single provider can build a profile of your activity. The dVPN directory exists for the same reason — pointing you at infrastructure you can use independently of us, in case we ever stop being the right choice for you. The endgame is a product where, if CryptoOwnBank disappeared tomorrow, you'd still have your wallet, your coins, your transaction history exportable, and a clear map of which independent tools to use next. That's what self-custody should mean in 2026, and it's what we're building toward.

What can the hosted AI Assistant do?

The AI Assistant explains CryptoOwnBank features and crypto concepts, gives real page directions, and answers questions about your own saved wallet count and names, public addresses, recorded portfolio balances, and watchlist. It can also prepare supported requests: add or remove a watchlist symbol, track a public XRPL address, prepare a Legacy draft, hand off wallet setup, or prepare a supported XRP/RLUSD IOC limit order. The model is question → prepare → member approval, never unattended execution. Your plan's chat allowance applies. AI answers are informational, not financial, investment, legal, or tax advice.

How do I track my existing wallet?

Open Wallets & Addresses, select Add Address, then Track a Blockchain Address. Paste a public address, select its network, name the wallet, and save. Tracking is watch-only: it does not connect a signer or authorize spending. Never enter a recovery phrase, seed phrase, private key, or key phrase into hosted chat or an address field.

Can the hosted AI Assistant change my watchlist, prepare a trade, or draft my Legacy Plan?

Yes, it can prepare those supported requests, but typing alone makes no change. Review the immutable payload in the prepared-request card, including the operation, symbol, public address, chain, label, or trade details. Explicitly approve a data change to save it, or cancel. The server supplies the action ID and expiry; prose is not an executable request. Confirmed, cancelled, and expired requests cannot be approved again. If a confirmation fails or its outcome is unknown, there is no automatic retry: refresh request status first rather than repeating approval. If still pending, cancel it and ask for a fresh proposal. Watchlist changes never move funds. Address tracking is watch-only, not permission to spend. Trade, Legacy, and wallet-setup confirmations create a handoff to the existing member review flow, not a completed trade, activated Legacy subscription, or newly signed wallet. You can also manage data yourself on Watchlist and Wallets & Addresses.

How is hosted AI different from the Member Local Assistant?

Hosted AI is the built-in conversational front door and may send your conversation and account context to OpenAI. Member Local Assistant is the connection and approval center for your own AI, using a scoped agent token and a compatible authenticated HTTP-tool client. You may run inference locally or choose an external provider; an ordinary chatbot without HTTP tools cannot use the action API. This page does not install a model or provide a local chat runtime. Both routes prepare supported requests and require final member approval. Hosted chat does not grant or renew your own AI's agent scopes. Never paste an agent token into hosted chat. Local inference does not mean every step stays on your device: action requests and the details needed for them are sent to CryptoOwnBank.

What information does hosted AI receive, and can it see another member's data?

General AI answers may send your conversation and server-loaded context from your signed-in account to OpenAI. Context can include saved wallet labels and names, tracked public addresses, recorded balances, and watchlist. Public addresses can still reveal financial activity and link it to a label; public does not mean harmless to share. Some safety and common account answers may be produced without a provider call. The assistant is limited to your own member records, never another member's data. Chat history and prepared requests are stored for your account. Do not send confidential material you do not want processed by the provider. Provider retention and processing depend on the applicable service settings and policies; we do not promise that hosted conversations stay entirely on your device or are never retained externally. Secret screening is a precaution, not a guarantee that every concealed secret can be detected.

Are the balances live, and what should I do if wallets do not load?

The assistant reads recorded balances, which can be stale or have unknown market prices; they are not a guaranteed live quote. Wallets & Addresses loads stored wallet records and cached balances without waiting on live price providers. Use the page's sync controls to request fresh data. If the list fails to load, it shows an error and retry control rather than indefinite placeholders. A failed lookup is not proof that a wallet has no funds.

Can hosted chat move funds or ask for secrets?

The assistant cannot independently move funds, sign, submit, or broadcast. It must never ask for or accept private keys, recovery phrases, seed phrases, passwords, or agent secrets. It can prepare only supported trade requests: native XRPL XRP/RLUSD immediate-or-cancel (IOC) limit orders that settle to your own signing account, not arbitrary payments, external destinations, general funds transfers, or arbitrary-chain transactions. Collect side, XRP amount, your public XRPL account, and a positive limit price in chat, then review the exact payload. After approving preparation, select Continue to transaction review. Review the full order intent and exact RLUSD issuer, sign in Xaman, check the verified signed payload, and explicitly submit on the member site. Signing is not automatic submission. An IOC order may partially fill; the remainder is cancelled. The maximum signing fee is 0.01 XRP. Zero-amount TEST requests cannot sign or broadcast. No hosted confirmation means funds were moved, and CryptoOwnBank never takes custody.

What happens when I start a new chat or reload?

Prepared requests are server records tied to their conversation. The assistant refreshes their status after chat and when you reopen history. Reloading in the same browser tab retains the current session's request review; open History to reload its messages or return to an earlier session. New Chat starts a separate conversation, not a blanket approval or cancellation of old requests. Reopen an older conversation to inspect its pending, confirmed, or cancelled requests. An expired request needs a fresh proposal. A message that says an action is ready is not a substitute for the server-sourced review card or the final member review flow.

What is the member Local Assistant, and how is it different from the hosted AI Assistant?

The Member Local Assistant connects your own AI to a limited set of COB actions using a scoped agent key. It is separate from hosted AI Assistant and the admin Agent Lab. You need a compatible client with authenticated HTTP tools; a model or ordinary chatbot alone cannot call the APIs. Run inference locally or use a provider you choose. This member page manages keys, requests, review, and signing; it is not a local model installer or local chat runtime. Action requests and necessary details go to COB. If you choose a hosted provider for your own AI, that provider may process the conversation and tool data too. Never transmit a recovery phrase or private key. Store the agent token securely in your own client, not in hosted chat, public documentation, or source code.

What can a Local Assistant request, and what still needs my approval?

Scopes cover watchlist add/remove, public XRPL address tracking, wallet-setup handoffs, Legacy drafts, supported XRP/RLUSD order preparation, and separate recipient-specific email actions. New keys have no authorized scopes. A first-use request can receive preparation permission once or for 30 days; grants permit preparation only, never automatic execution. Every action still needs final member approval on this site, even under a 30-day grant. Renewals continue existing scopes only; non-response for seven days pauses actions. Pause or revoke a key to stop it, and inspect visible requests and activity. Failed requests are not automatically retried. Watchlist symbols are 1–15 letters, digits, dots, or hyphens and must start with a letter or digit. A watchlist change never moves funds; tracking an address never grants signing authority.

How do I teach my own AI the correct endpoints?

Give your compatible HTTP-tool client the public machine-readable capabilities guide. It needs no token to read and documents exact endpoints, required schemas, supported operations, and approval rules. Use the CryptoOwnBank origin and keep your bearer token in the client's secure credential store. Prepare requests with POST /api/agent/watchlist (operation and symbol), /api/agent/address (valid public XRPL address, optional chain and label), /api/agent/wallet/setup (wallet choice), /api/agent/legacy (heir, contact email, and non-secret note), or /api/agent/trade (buy/sell side, XRP asset, amount, and supported account/limit-price fields). Bodies go directly to the action endpoint: do not send a kind/data wrapper to /api/agent/requests to create a request. Follow the live guide for complete schemas and supported email operations. The workflow is Q&A in your own AI → HTTP tool prepares request → member site final approval. Public service health is available at /api/agent/health.

How does transaction signing work, and what is unsupported?

Supported trades are native XRPL XRP/RLUSD IOC limit orders, not arbitrary transactions or general funds transfers. Verify your own public signing account, side, amount, positive limit price, and exact RLUSD issuer. IOC orders may partially fill; any remainder is cancelled and filled assets settle to your account. The maximum signing fee is 0.01 XRP. Zero-amount TEST requests cannot sign or broadcast. Approve the prepared order, sign in Xaman, check wallet status, and explicitly submit the verified signed transaction. A signature alone does not trigger server submission. Hardware setup is a handoff to the existing member setup flow, not permission for an AI to handle keys. Accepting a Legacy draft does not activate a subscription. Email is separate: confirm the exact recipient and explicitly send each email; standing permissions never send email. Server tests are not evidence that live end-to-end wallet signing has been verified.

Is CryptoOwnBank a bank, broker, or trust company?

No. CryptoOwnBank is non-custodial software — a dashboard and tooling layer for self-custody wallets and on-chain protocols. We are not a bank, broker-dealer, money transmitter, or trust company. We do not hold your assets, guarantee investment returns, or act as a fiduciary or estate attorney. Yield figures you see (for example Soil vault APRs) come from third-party protocols and are not guaranteed by CryptoOwnBank. The Legacy Plan stores encrypted recovery instructions you write — it is not a legal will, trust instrument, or custodial inheritance service.

Is this financial advice?

No — this is not financial, investment, or tax advice. Crypto and yield protocols involve risk of loss. Past performance isn't indicative of future results. Always do your own research (DYOR) and consider your own situation. We provide tools and information only.

What if I have more questions or issues?

Use the in-site contact form or join XRPL community channels. Note: we can't help with wallet recovery or fund issues since we're non-custodial — only you control your keys.