Holdout - Savings

Holdout is a savings app with a lock on it. Set money aside for a goal, choose the rules for getting it back out, and those rules hold, even on the days you'd rather they didn't. Money you can move with one tap is easy to spend. Holdout puts a pause between an impulse and your savings. You decide how firm that pause is, and once a rule is set, it can be made stricter but never looser. HOW IT WORKS • Add money with a debit or credit card. Payment and any identity check are handled by Stripe. • Create a goal for anything: an emergency fund, a trip, a house deposit. • Choose your rules, in any combination, or none: - Lock: nothing comes out before a date you pick. - Waiting period: request a withdrawal, wait out the notice period, then collect it. - Withdrawal limit: cap how many withdrawals you can make in a set period. • Move money into the goal. Each deposit comes with a change-your-mind window (24 hours by default) during which you can undo it in full. • When your rules allow, withdraw to your available balance, then send it to your US bank account or to another wallet. YOUR RULES, ENFORCED BY CODE Goal rules are enforced by a smart contract, not by a support team. Holdout can't make an exception, and neither can you. Rules only get stricter: a lock date can move later but never earlier, and no rule can be removed. There is no early-exit fee and no override. Please don't lock money you may need for rent, bills or emergencies. ONLY YOU CAN MOVE YOUR MONEY Holdout never holds your funds. Your balance is held as USDC, a stablecoin designed to track the US dollar, in a smart account on the Base network that only your passkey controls. Money in a goal is held by the savings contract, which can only ever return it to your own account. Holdout can't move your money, lend it out, or bend your rules. NO PASSWORDS You sign in with a passkey, unlocked with Face ID or Touch ID and synced with iCloud Keychain when you have it turned on. There's no password to steal. You can also set up an optional recovery phrase or a backup passkey. If you lose your passkey and every backup, Holdout cannot recover your account, so keeping a backup matters. PRIVATE BY DESIGN No username, no password, no profile. Holdout never asks for your name, and the app contains no ads, analytics or tracking. Goal names are recorded publicly on the blockchain, so keep them general: "Holiday", not anything personal. ALSO IN HOLDOUT • Target amounts with a progress bar for each goal • Optional reminders when a lock ends or a waiting period is over • An optional Wallet view to receive and send USDC on the Base network • Light and dark appearance • Built-in guides that explain every rule in plain language GOOD TO KNOW • Holdout is not a bank. Balances are not bank deposits and are not FDIC insured. Holdout pays no interest or yield and does not give financial advice. • USDC is issued by Circle, not by Holdout, and its value is not guaranteed. • Adding money by card and withdrawing to a bank are available in the United States only. They are provided by Stripe and Bridge under their own terms, identity checks and fees. Any fee is shown before you confirm. • Blockchain transfers can't be reversed. Always check the address and network before sending. • You must be 18 or older to use Holdout. Holdout is operated by Lock Logistics LLC. Terms: https://holdout.locklogistics.net/terms Privacy: https://holdout.locklogistics.net/privacy Support: [email protected]