A problem people bring · solved
Keep my savings worth something
You can hold part of your savings in a dollar stablecoin like USDC, in your own wallet or a family Safe that needs two of three signatures to spend. Spend it straight from a stablecoin card such as Tria so you never convert back at a bad rate. Split across two issuers for extra safety. Skip these: yield promises you do not understand.
- 3 stops
- 45 minutes, all in
- 4 surprises
- 1 live demo
Chapter 1
Who knew?
A 2 of 3 family Safe is a savings jar that protects against both theft and an impulsive withdrawal.
You can spend dollar savings directly with a stablecoin card instead of converting back at a bad rate.
Splitting savings across two stablecoin issuers reduces the damage if one has a problem.
Holding USDC in your own wallet earns nothing, and that is a feature: no lender is using your money.
You need a foreign bank account or to buy physical dollars on the street.
A wallet is free and holding USDC costs nothing. Buying it usually costs about 1 to 2 percent in spread, so check the quote, and a Safe costs cents of gas to create on an L2. Stablecoin cards charge their own fees, often including an FX fee of a few percent.
Chapter 2
The free route, step by step
3 stops, cheapest first
Three ways through
Pick your route
- Start free tonight
Hold a first $10 in dollars
Start tiny: one wallet, one stablecoin, one small amount you watch for a month.
- Install a self-custody wallet and buy a small amount of USDC.
- Share a family wallet that needs two of three to move money
Cost Free wallet; about 1 to 2 percent spread to buy; cents of gas.
- The bold play
Save in dollars that earn
Dollars beat a falling currency; dollars that earn a savings rate do better. Keep a float on a card for spending.
- Share a family wallet that needs two of three to move money
- Earn a savings rate on dollars
- Spend stablecoins anywhere with a card
Cost Gas in cents; the rate is set by Sky governance and can fall. Smart contract risk applies.
- Build it
Build the dollar savings circle
Built by the HouseTurn your rotating savings group into a public pot in USDC.
- Share a family wallet that needs two of three to move money
- Own a working onchain app with your name on it
Cost Build time.
Your version
Make this mine
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Past the basics
What’s possible
- Live today
Open a 2 of 3 family Safe for dollar savings.
How Pick three owners. Create the Safe on an L2. Practise one small transfer.
- Live today
Spend dollar savings directly with a card.
How Open a Tria account. Top up a small float from the Safe. Spend locally.
- Possible to build
A savings circle app that runs an ajo in USDC with a public pot.
How Each member deposits monthly. A Safe holds the pot. Payouts rotate by vote.
Project + project
Combos nobody marketed
- a family Safe+a stablecoin card=
Savings sit behind two signatures, while a small spending float lives on the card.
Why it works Safe requires several owners to spend; cards like Tria convert at the point of sale.
- a savings circle+a shared Safe=
An ajo or susu group saves together in dollars with every deposit visible.
Why it works Onchain wallets have public histories, so members can check the pot themselves.
- a family Safe+Sky Savings Rate=
The family pot earns while nobody can drain it alone.
Why it works sUSDS is a vault token a Safe can hold.
Chapter 3
Try it live
Do not take our word for it. Safe runs right here, so you can poke at the real thing before you commit to anything.
Screening Room
Watch it first
Chapter 4
Where it matters most
- families in Argentina, Turkey and Nigeria
Local currencies have lost large shares of their value in recent years.
- savers with no access to dollar accounts
Stablecoins give dollar exposure without a foreign bank.
- migrant workers saving for a return home
They can keep earnings in dollars until they move back.
Chapter 5 · Not built yet?
Build it
A savings tracker that shows a family's stablecoin pot next to what it would be worth in local currency, with alerts for depegs.
Who could build it Households saving in dollars, and community savings groups.
For founders
Uses you never marketed
Connections
People to meet
- Safe
Learn multisig setup and recovery.
- Tria
Ask about card fees in your country.
- curators
Find savers in your region sharing what works.
- Sky
Read how the savings rate is set before you deposit.
Propose a bridgetwo projects, one outcome neither could reach alone
Questions
Does USDC protect me from inflation?
USDC protects against your local currency falling against the dollar, not against the dollar's own inflation.
Is a family Safe safe for savings?
A Safe removes single-key theft, but it still carries issuer, smart contract and key-loss risk, so keep only what you can secure.
Can I earn interest on USDC?
Some platforms offer yield on USDC but add lending and hacking risk, and this page does not recommend any of them.
Is holding USDC legal in my country?
Rules on holding USDC and foreign currency vary widely, so check your local laws before you start.
If your savings stopped shrinking tomorrow, what would your family plan for first?
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