Save together,
as a family.
Cairn brings the whole family into one savings app, from kids to grandparents. Build Goal Jars together, set up weekly saving plans and allowances for children, and name nominees for your savings. Everyone signs in with Face ID: no seed phrases, no crypto jargon, and Cairn never holds your money.
- Stellar
- Soroban
- USDC
- Passkey smart accounts
- Stellar Wallets Kit
- SEP-24
Family savings that every generation can use, with the rules kept by code, not by a bank.
Families save together.
Apps don't.
Parents save for school, grandparents chip in, relatives abroad send support, and nominee forms sit in a drawer. Money apps are built for one person, and crypto wallets are built for nobody's grandmother.
Cash, paper and separate apps
- ✕Kids' money is cash or custodialPiggy banks, or prepaid accounts tied to one bank in one country.
- ✕Support from abroad is slowLump sums with fees and delays, not linked to any goal.
- ✕Nominees live on paperWhen something happens, families face delays and uncertainty.
One family, one place to save
- ✦Shared Goal JarsEveryone can add to "Riya's college", from anywhere.
- ✦Weekly Plans and allowancesScheduled saving for kids, with a weekly check-in that builds the habit.
- ✦Nominees, enforced by codeYour savings reach the people you choose if you're inactive for a long period you set.
Everything a family
saves for.
Each feature is a simple rule in the FamilyVault contract on Stellar. Nobody, including Cairn, can change those rules for your money.
Goal Jars
Shared savings goals with a target, a date and their own rules, for example "locked until 2034" or "guardian approves withdrawals".
Weekly Plans
SIP-style saving: a fixed amount every week or month into a child's jar. Paid in advance and released on schedule; cancel to get back what hasn't been released.
Allowance and auto-save
A weekly allowance that kids collect at their check-in. A share you choose goes straight into their jar.
Nominees
Name who receives your savings, and in what shares. They can claim only after a long inactivity period you choose, and you can cancel at any time.
Guardian recovery
Lost your phone? Family members you chose can help you add a new passkey. They can never move your money.
Family anywhere
Relatives in other countries add to a jar in seconds, in USDC on Stellar. Add local money through Stellar anchors.
One app,
three modes.
The same family, seen the right way for each person. Invites set each member's role and mode, so nobody has to configure anything.
- ✦Kid mode (8–12). Jars that fill up, a weekly check-in, the next milestone. No free-form sends, no addresses, no points or leaderboards.
- ✦Standard (teens and adults). Jars, plans, allowances and approvals. Teens get their own account, with guardian co-approval for spending outside the family.
- ✦Simple mode (grandparents). Large text and three actions: Add money, Give to family, See savings. Plain language throughout.
- ✦Managed child profiles. Start saving for a baby with no phone at all, and hand them their own account later.
From invite to saving
in three screens.
Every action shows a one-line summary before Face ID, then a clear pending, done or failed state. Nothing happens without the right person's approval.
Create or join
A guardian names the family and invites members by link or QR code. Each invite already carries the member's role and mode.
Invite linksFace ID, done
A passkey smart account is created on your phone. There's no seed phrase, fees are sponsored, and the key never leaves the device.
Smart Account KitAdd money
Deposit local money through a Stellar anchor, or connect a Stellar wallet you already use.
SEP-24 · Wallets KitSave together
Create jars, plans and allowances, and name nominees. The FamilyVault contract keeps every rule.
SorobanYour keys. Your rules.
Never our custody.
Cairn is non-custodial by design. Here is exactly who can do what, and what happens when something goes wrong.
Passkeys on your phone
Each member's key is created in the phone's secure hardware. No server holds private keys, and there are no custodial or social-login wallets.
Enforced by the contract
Guardians can do only what the FamilyVault allows. No admin key can move members' money.
No hidden robot
Weekly releases can be triggered by anyone, usually at the weekly check-in, and only pay out what the schedule has unlocked. Missed weeks are never lost.
Family-assisted
Chosen guardians can add a new passkey for you, but cannot move funds. Nominees can claim only after the inactivity window you set.
Your data stays yours. Names and photos stay on your phone, and the contract stores only addresses and amounts. Cairn keeps savings in USDC. It offers no trading, no yield and no investment products.
Built from Stellar's
own building blocks.
No custom auth, no custom anchor code, no oracle, and no server holding keys. Cairn puts Stellar's standard building blocks together for families.
30 days to a
working family app.
Testnet first. Mainnet only after an independent audit of the FamilyVault contract.
FamilyVault core
- Families, roles, Goal Jars
- Unit and authorization tests
- Passkey accounts on testnet
Plans and nominees
- Prefunded Weekly Plans
- Allowance with save-split
- Nominees and recovery rules
Family app
- Three-screen onboarding
- Jars, plans, check-in
- SEP-24 test deposit
Every age
- Kid and Simple modes
- Hindi and accessibility
- Android and iOS test builds
Built stone by stone,
by the whole family.
Family savings on Stellar, for every age.
Back to top