Stellar Timelock

Isaac S

About this app

Stellar TimeLock is a non-custodial vault wallet that lets you lock, vest, and secure your XLM and Stellar assets on-chain. No middlemen. No servers. No accounts. You hold the keys.

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WHY TIME-LOCK YOUR CRYPTO?

Self-custody means freedom — but also risk. A stolen key can drain everything in seconds. Stellar TimeLock adds a layer of protection that only you control.

• Lock funds until a future date (Standard Time-Lock)
• Require a mandatory waiting period before withdrawals (Cooling-Off)
• Release funds gradually over time (Vesting Schedule)
• Set up crypto inheritance with automatic transfer if you go dark (Dead Man's Switch)
• Require multiple approvals for large transactions (Multi-Sig)
• Cross-chain atomic swaps without an exchange (HTLC)
• Lock and vest tokens beyond XLM (Multi-Asset Vaults)

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HOW IT WORKS

Your vaults live on the Stellar blockchain — not on our servers. We have no servers. The app communicates directly with the Stellar network and SimpleSwap for token exchanges. Nothing else.

Every vault is a Soroban smart contract. You deposit XLM, set your rules, and the contract enforces them. No admin keys. No backdoors. No one — including us — can override your vault settings.

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BUILT FOR SECURITY

• Seed-derived encryption — one key for everything
• Biometric unlock support
• Encrypted .stvault backups portable across devices
• Browse Without Seed mode — explore before committing
• Key Manager — store and manage multiple keypairs
• All data stored locally on your device

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VAULT TYPES

Standard Time-Lock — Lock XLM until a specific date. Great for savings goals and self-discipline.

Cooling-Off — Every withdrawal requires a waiting period you define. Cancel anytime during the wait. Protection against stolen-key drains.

Vesting Schedule — Release funds gradually between two dates. Start immediately or at a future date. Ideal for token distributions, contractor payments, or structured savings.

Dead Man's Switch — If you stop sending periodic heartbeats, funds automatically transfer to your designated beneficiary. Crypto inheritance without lawyers.

Multi-Sig — Require co-signer approval for withdrawals. Perfect for joint accounts, business treasuries, and family funds.

HTLC — Hash Time-Locked Contracts for cross-chain atomic swaps. Lock XLM that only releases when a counterparty provides a secret passphrase before a deadline.

Multi-Asset Vaults — Lock and vest tokens beyond XLM. Support for Stellar-based assets.

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TIERS

Free — 10 vaults, $1,000/month deposit limit, Standard Time-Lock
Plus ($5/mo) — 25 vaults, $10,000/month, adds Cooling-Off
Pro ($20/mo) — 100 vaults, $50,000/month, adds Vesting, Multi-Asset, Multi-Sig
Elite ($75/mo) — Unlimited vaults, unlimited deposits, adds Dead Man's Switch and HTLC

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SWAP

Built-in SimpleSwap integration. Exchange XLM for 700+ cryptocurrencies directly in the app. Cross-chain swaps supported. Affiliate-powered — no added fees.

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OPEN SOURCE VERIFICATION

All contract addresses and security information are publicly verifiable on the Stellar blockchain. Audit the app's security at Settings → Audit Our Security Code.

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Stellar TimeLock is built by StellarTimeLock, LLC in Ohio. No custody. No admin. No backdoor. Just you and the blockchain.

What’s new

Background opacity fix