Dollars and euros
Hold both as digital dollars and euros, and switch between them when you need the other one. Paid in euros, spending in dollars, or the other way around.
New · Connect Claude or ChatGPT
The global account for you
and your agents.
Your own dollar and euro account, where only you approve what leaves it. Connect Claude or ChatGPT: it reads your account, tells you what it finds and asks before anything moves.
Free to sign up. Connect your AI whenever you like.
Your AI
Your AI does the legwork.You make the call.
Connect Claude or ChatGPT to your account. It reads what you hold and what came in, tells you what it finds, and asks you to pay someone or to convert. Nothing moves until you approve it in Lotvs and sign it from your own account.
No money of its own
Your AI has no balance and can't pay by itself. Anything it asks for comes out of your account, and only once you approve it.
Your yes, every time
Every payment and conversion it asks for waits for you in Lotvs. Decline it, or leave it, and nothing moves.
Everything on the record
Each request, and what you decided, shows up in your app with the note your AI left. Pause it or disconnect it whenever you like.
The same AI you already talk to, now looking at your money with you. It does the homework. The decision stays yours.
- What did I spend this week?$214.60 across 12 paymentsRead from your activityAnswered
Read
Reads your balances, your activity and what you can convert to. It sees what you see in the app, and it moves nothing.
- Did Ana pay me back?Yes: $18.00 from AnaYesterday, 8:42 PMAnswered
Tell
Tells you what it finds, in plain words, so you don't have to dig through your history yourself.
- Send Leo $12.50 for the coffee beans.Request: pay Leo $12.50Waiting in LotvsYour yes
Ask to pay
Asks you to pay someone. The request waits in Lotvs until you approve it and sign it from your own account. Say no and nothing moves.
- Turn $100 into euros for the trip.Request: convert $100.00 to eurosWaiting in LotvsYour yes
Ask to convert
Looks at the rate and asks you to convert between dollars and euros. You see the rate, and any fee, before you approve.
- Illustrative, not real account data.
Your account
Dollars and euros.Moved only with your yes.
Hold digital dollars and euros, send them to anyone, receive from anyone, and convert between the two. Nothing leaves your account until you approve it, including anything your AI asks for.
Only you approve
Every payment, conversion and move out of your account is one you approve. Lotvs cannot move money out of it without your approval.
Ready in a minute
Sign in with Google and your account is created for you. Nothing to write down, nothing to install.
Nothing hidden
Every payment and conversion is in your activity, with the note left on it. Any fee is shown before you confirm.
Convert
Dollars and euros. In one account.
Hold both, and switch between them whenever you choose. You see the rate, and any fee, before you confirm.
In and out
Add money by bank transfer or card, and take it out to your bank when you need it.
Earn
Where it is offered, lend your digital dollars or euros and earn on them. What it pays changes, and lending carries risk.
See the cost first
A fee of up to 0.2%, shown before you confirm, where we charge one. Elsewhere converting is free for now.
Your AI can look first
Ask Claude or ChatGPT to check the rate and prepare a conversion. It sends you the request, and nothing is converted until you approve it in Lotvs.
Rates between dollars and euros move, and lending in Earn carries risk: you can get back less than you put in. Lotvs gives no investment advice.
Earn · European Economic Area only
Lend from your own account.Know the risks first.
If you live in the European Economic Area, you can lend digital dollars or euros through Jupiter Lend, a lending protocol we do not operate, at a variable rate. Earn is not offered anywhere else.
You decide, every time
Nothing is lent for you and nothing is swept in. You choose what to lend, and you approve and sign each move in and out from your own account.
A rate, not a promise
The app shows the rate the market pays right now, next to these risks, and never what it will be later.
We earn only when you do
When you withdraw, we keep 10% of what you earned and nothing from what you put in. Earn nothing and you pay nothing.
Dollar balance
$1,240.00
- Receivedfrom Ana+$200.00
- Sentto Leo$50.00
A global account
Dollars and euros.Sent and received in seconds.
Keep your money in digital dollars and euros. Send and receive in seconds, any day of the week, in the many countries where Lotvs is offered.
Get paid with a QR code
Share your code and receive dollars or euros from anyone who has an account that can send them.
Send in seconds
Transfers arrive in seconds, any day of the week, usually for a fraction of a cent in network costs.
Dollar and euro account details
US dollar (ACH and wire) and euro (IBAN) account details from our partner Bridge, where offered. Money sent there arrives in your account as digital dollars or euros. They are not a bank account.
Top up with a card
Buy digital dollars with a debit or credit card through Stripe, in the United States and the EU. Stripe is the seller.
On the roadmap, not available yet
- More currencies
- A card for your dollars
Money adminComing soon
Next, your month in one inbox.Each payment waits for your yes.
Rent, the car, the electricity, the tax you'll owe, the trip in August. You'll tell your AI once. It will prepare each payment, point out anything that looks off, and leave the decision to you.
This week
4 waiting for your yes
Employees never see the tax leave their pay. Freelancers are next.
Works today
- Your AI reads your account and asks before anything moves
- Converting between dollars and euros
- Getting paid in dollars and euros
- Nothing leaves your account without your yes
We're building
- Paying local bills: rent, the car, electricity, water
- A tax pot and savings goals
- Splitting each payment as it lands
- One inbox to say yes or no
Lotvs doesn't calculate or file taxes. You choose how much to set aside.
How it works
Three steps.The third is up to you.
Step 1: Sign in
Use Google and your account is created for you in a minute. Nothing to write down, nothing to install.
Step 2: Add money
Receive dollars or euros from anyone who can send them, use your account details for a bank transfer where offered, or top up by card through Stripe in the United States and the EU.
Step 3: Connect your AI
In Claude or ChatGPT, add Lotvs as a connector and sign in with Google. Then ask in plain words. It reads, tells you what it finds, and asks before anything moves.
Optional
FAQ
Straight answers.
The short version: only you approve what leaves your account, your AI can only ask, and lending carries risk.
Your AI
What can my AI do with my account?
Read it, tell you what it finds, and ask you to pay someone or to convert. Nothing moves until you approve the request in Lotvs and sign it from your own account. Your AI has no money of its own, and it cannot pay, convert or lend by itself.
What if my AI makes a mistake, or gets tricked?
It can only ask. Every payment or conversion it asks for waits for you, with the amount, who it goes to and the note it left. Check it before you say yes: a payment that has gone out can’t be pulled back, just like cash. Decline a request, or leave it, and nothing moves.
Which AIs can I connect, and how?
Claude and ChatGPT, and other apps that support MCP connectors. In your AI app, add Lotvs as a connector using the link in your Lotvs app and sign in with Google. Depending on your plan, your AI app may need connectors switched on. Pause or disconnect it whenever you like.
Can Lotvs pay my rent and bills?
Not yet, it’s coming. Paying rent, utilities or the car in your local currency needs local payment connections, which we’re building. Today you can send digital dollars and euros yourself, and your AI can ask you to, one payment at a time, each with your approval.
Is every feature offered to everyone?
No. Some features are offered only to people we invite to test them, and some only in some countries. The app shows what is offered where you are.
Your money
How do I put money in?
Receive digital dollars or euros from anyone who can send them. Where offered, you also get US dollar and euro account details from our partner Bridge, so you can be paid by bank transfer. In the United States and the EU you can also top up by card through Stripe, which is the seller.
Is my balance real money, and is it a bank deposit?
Your balance is held in digital dollars (USDC) and digital euros (EURC), both issued by Circle and designed to keep the value of one dollar or one euro each. You can send them, convert them or move them out whenever you like. They are not bank deposits, Lotvs is not a bank, and no deposit insurance covers them.
Can Lotvs move my money?
Not without your approval. Your money sits in your own account, and every payment, conversion and move out of it is one you approve. Your AI has no money of its own: anything it asks for comes from your account, once you approve it.
Where does the money actually sit?
On a public blockchain. Your balance is digital dollars and euros in your own account there, and every payment and conversion is written to a public record that anyone, including you, can check. You never have to touch any of this. Sign in with Google and it runs in the background.
Do I need to understand crypto?
No. Nothing on Lotvs asks you to. Sign in with Google, add money, and send, receive and convert in dollars and euros. The technology runs in the background.
I already use a crypto wallet. Can I connect it?
Yes. Phantom, Solflare and Backpack work for your own account: use Connect a wallet at the bottom of this page. Connecting an AI needs Google sign in.
Converting and Earn
Can I buy crypto, gold or stocks on Lotvs?
No. Your account holds digital dollars and euros, and Lotvs offers nothing else to buy: no other crypto assets, no gold and no tokenized stocks or index trackers. If you already hold some, you can always sell them or move them out.
Can I lose money?
Yes. Lending in Earn carries its own risks, and the rate between dollars and euros moves, so you can get back less than you put in. Digital dollars and euros are designed to keep their value, but that is not guaranteed. Lotvs never promises returns and gives no investment advice.
How does Earn work, and where is it offered?
Only in the European Economic Area. From your own account, you lend digital dollars or euros to borrowers through Jupiter Lend, a lending protocol we do not operate, at a variable rate. You approve and sign every move in and out, and nothing is moved automatically. When you withdraw, we keep 10% of what you earned and nothing from what you put in.
What are the risks of Earn?
It is not a bank account or a deposit, and no deposit guarantee or compensation scheme applies. The rate is set by supply and demand and can change at any time, even within the hour; the rate shown is what the market pays at that moment, not a promise. A bug, exploit, oracle failure or borrower default in the protocol could cause partial or total loss of what you lent. Withdrawals depend on the market having money that is not lent out, and can be delayed when many lenders withdraw at once. Lotvs never promises a rate. Only lend what you can afford to lose.
Costs and where
What does it cost?
Signing up is free. Sending dollars and euros carries no Lotvs fee, only a small network cost, usually a fraction of a cent. A conversion carries a fee of up to 0.2%, shown before you confirm, where we charge one; elsewhere converting is free for now. With Earn, we keep 10% of what you earned when you withdraw, and nothing if you earned nothing. Card top ups carry Stripe’s own fees, and bank transfers to and from your account details carry the fees listed in the app and in the Terms.
Where can I use it?
In many countries. Lotvs is not offered in some, which the Terms list, and not in New York in the United States. Some features are offered only in some places: Earn in the European Economic Area, card top ups in the United States (not Hawaii) and the EU. The app shows what is offered where you are.
Let it do the homework.Keep the final word.
Open your account today. Connect your AI whenever you're ready. Next, the rent, the bills and the trip, each one waiting for your yes.
Free to sign up. Balances are not bank deposits and are not insured.