Save (a monthly lock)

Put a little aside every month, locked until a date you choose. Buy on Coinbase, send it to your wallet, lock it. Opens on the day you pick.

Save is the plainest page in the app: one card, three choices, one button. It is for someone who has never used a wallet and wants to set money aside that they cannot touch until a date they choose.

Underneath it is a regular Timelock. The page adds nothing new on the blockchain; it only removes the choices you do not need. Every lock you make here also shows in the Timelock tab, where you take it back once it opens.

Open it at app.10102.io/save.

Making a lock

1. What are you locking. USDC if you want the value to stay steady, or ETH. The page shows what your wallet holds and starts on whichever you have.

2. How much. Type an amount, or tap Use all of it. For ETH, "use all" keeps a little back for the network fee.

3. When does it open. In 1, 3, 5 or 10 years. The exact opening date is shown before you confirm, and it is final: it cannot be moved earlier, not even by you.

4. Lock it. One confirmation in your wallet. USDC asks for a second one the first time, to allow the exact amount. You pay the network fee, usually a few dollars.

The lock appears under Your locks so far on the same page, with its opening date, and in the Timelock tab.

Funding it from Coinbase, once a month

The page walks through this with your own wallet address ready to copy and a code to scan:

1. Let Coinbase buy for you. In the Coinbase app: Buy, then Recurring buy, pick USDC or ETH, and choose weekly or monthly. Your bank money turns into USDC or ETH on its own.

2. Once a month, send it to your wallet. In Coinbase: Send, paste your wallet address, choose the Ethereum network (not Base, not any other), and send. Try a small amount the first time.

3. Come back to the Save page and lock it.

Why monthly and not weekly: every lock is a transaction on Ethereum with its own network fee. Weekly buys on Coinbase are fine; lock once a month.

Each month's lock opens on its own date. After a few years of monthly locks you have money opening every month, for as long as you kept saving.

Taking it back

When a lock's date arrives it shows Ready in the Timelock tab. Tap it, confirm once, and the money is back in your wallet. ETH locked here is held as wrapped ETH (WETH) while locked; you can have it back as ETH.

What you should know

• No early withdrawal. A lock opens on its date and not a day sooner. Nobody can open it early, including us.

• No interest. You get back exactly what you put in.

• Not a bank account. No bank holds the money and no deposit protection covers it. It sits in an audited contract on Ethereum, in your name.

• Prices move. ETH goes up and down. USDC is made to stay close to one dollar.

• Fees. Locking is a transaction, and so is taking it back. You pay the network fee for each.