NVIDIA
Tesla
Apple
Alphabet
Amazon
Microsoft
Meta
Robinhood
Coinbase
US stocks
NVIDIA, Tesla, Apple and six more big names, following the real share price. Buy a fraction, at any hour.
New · Connect Claude or ChatGPT
The global accountfor you
and your agents.
Your AI can already think. Now it can pay, invest and earn, from an account you fund and cap. Your dollars, US stocks, gold and crypto stay in an account only you can move.
Free to sign up. Top up by card in euros or dollars.
Your AI's account
Give your AI an allowance.Not your account.
A new kind of customer just walked in. It writes your emails, plans your week, and now it can hold money. Lotvs gives it an account of its own. You top it up, tick what it may do and set the limits. Then ask in plain words.
A separate account
Its own account, apart from yours. It can't see your balance, your investments or your Earn, and it has no way to move them.
Limits it can't bypass
Every payment and trade is checked against your limits before it goes out. A limit isn't a line in a prompt, so an AI that reads a bad instruction on a web page still can't go past it.
Everything on the record
Each payment, trade and Earn move shows up in your app, with the note your AI left. Change the limits or disconnect it whenever you like.
Give it Trade and Earn but not Pay, and it can manage its money all day without being able to send a cent out. The most it can ever use is what's in its account, and you can top it up to $500.
- Send Ana $18 for dinner.Sent $18.00 to Ana8:42 PMWithin limit
Pay
Sends dollars to the people you allow and pays sites that charge per request, with a note you can read later. Default limits: $25 a payment and $100 a day.
- Put $40 into the S&P 500.Bought $40.00 of S&P 5009:14 AMWithin limit
Trade
Buys and sells US stocks and ETFs, gold and crypto from its own account. Default limit: $50 a trade.
- Put what you're not using into Earn.Put $40.00 to earn1:09 AM, while you sleptWithin limit
Earn
Lends its spare dollars and takes them back when it needs them. The rate is variable and nothing is guaranteed.
- Keep $20 aside for the Lisbon trip.Set aside $20.00 in Trip to LisbonFriday, 6:30 PMWithin limit
Set aside
Keeps money apart in vaults inside its account, when you let it. Lock a vault and only you can take money out of it.
- Illustrative, not real account data.
Your account
We can’t freeze it.We can’t lend it out.We can’t move it.Only you can.
Your dollars, your investments and anything you put into Earn sit in an account that belongs to you, not to us. Lotvs can't move it, so nothing leaves until you approve, including every top up to your AI.
Only you can approve
Every payment, trade and top up is approved on your device. Lotvs never holds what approves it, so we couldn't move your money even if we wanted to.
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 trade is logged where you can check it yourself, with the note your AI left.
Grow your money
US stocks, the S&P 500, gold and crypto. In one app.
Buy a slice of the companies you know without paying for a whole share. Trade 24/7, and see every fee before you confirm.
Index500
The S&P 500
Follow 500 of the largest US companies in a single buy.
Gold
Add gold to your mix without buying bars or paying for a vault.
Crypto
Bitcoin, Ether and Solana, right next to your stocks.
Recurring buys
Invest automatically every day, week or month. No need to time the market or remember to buy.
- Magnificent 77 tech leaders, equal weight+3
- Cloud & TechAlphabet, Amazon and Apple
Baskets
Pick a theme instead of a single stock. Buy a curated basket like Magnificent 7 or Cloud & Tech from a single screen.
Earn on idle dollars
We can’t lend your dollars out.You can.
A bank lends your balance out at several percent and pays you a fraction of one. Here you are the lender. Your dollars go to an open lending market, and the people borrowing them pay you interest to use them.
You decide to lend it
We still can’t move your money, and we don’t. You choose to lend it, you approve it yourself, and nothing is ever swept in for you.
Withdraw whenever you want
Nothing locked in, no notice period, no penalty. A withdrawal does need the market to have money free to hand back, which can be slower when many people withdraw at once.
A rate, not a promise
What the market pays changes by the hour. We show you the rate right now, before you confirm, and never what it will be later. Lending carries risk, and you can get back less than you put in.
We only earn 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.
Starts at $10. You approve every movement.
You put in
$144,000
It grows to
$252,410
$108,410 of that is interest, and interest on that interest
Example only: $600 a month earning 5.6% a year, with the interest left in to earn more. Figures are after our 10% of what you earn. Real rates change every day and aren't guaranteed, and you can get back less than you put in.
Dollar balance
$1,240.00
- Receivedfrom Ana+$200.00
- Sentto Leo$50.00
A global account
One dollar balance.Reachable from anywhere.
Keep your money in digital dollars and reach it wherever you are. Send and receive around the world in seconds, any day of the week.
Get paid with a QR code
Share your code and receive dollars from anyone, anywhere.
Send in seconds
Transfers arrive in seconds, 24/7, usually for a fraction of a cent.
Top up with a card
Add funds with a debit or credit card through Stripe, in euros in the euro zone and in US dollars everywhere else.
No account abroad needed
Reach US stocks and dollars without opening an account in another country. Availability varies by country.
On the roadmap, not available yet
- Pix and local currencies
- A card for your dollars
Money adminComing soon
Next, your month runs itself.Or waits for your yes.
Rent, the car, the electricity, the tax you'll owe, the trip in August. You'll tell your AI once. On Ask me first, each one waits for your yes. On Automatic, the bills you've approved once go out when they're due.
This week
4 waiting for your yes3 handled, 1 held for you
Employees never see the tax leave their pay. Freelancers are next.
Works today
- Your AI pays, invests and earns within your limits
- Recurring buys that run themselves
- Getting paid in dollars from anywhere
- 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 dollars
Top up with a debit or credit card through Stripe, charged in euros in the euro zone and in US dollars everywhere else. Your balance is held in US dollars.
Step 3: Connect your AI
In Claude or ChatGPT, add Lotvs as a connector, sign in with Google and tick what it may do. Then top up its account and ask in plain words.
Optional
FAQ
Straight answers.
The short version: your account stays yours, your AI only gets what you give it, and investing always carries risk.
Your AI
Can my AI reach the rest of my money?
No. Its account is separate from yours. It can’t see your balance, your investments or your Earn, and it has no way to move money out of your account. Money only goes into its account when you top it up, and you approve each top up yourself.
What if my AI makes a mistake, or gets tricked?
It can only do what you ticked, only up to your limits, and only with what’s in its account. Limits are checked before anything goes out, not written into a prompt, so an AI that reads a bad instruction on a web page still can’t go past them. A payment that has gone out can’t be pulled back, just like cash, so start with small limits and raise them once you trust it.
Which AIs can I connect, and how?
Claude and ChatGPT. In your AI app, add Lotvs as a connector using the link in your Lotvs app, sign in with Google and choose what it may do. Depending on your plan, your AI app may need connectors switched on.
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 your AI can pay digital dollars to any Solana address, within your limits.
Your money
How do I put money in, and in what currency?
With a debit or credit card, through Stripe. Cards are charged in euros inside the euro zone and in US dollars everywhere else, and your balance is held in US dollars. You can also be paid straight into your account by anyone who uses Lotvs.
Is my balance real money, and is it a bank deposit?
Your balance is held in digital dollars: USDC, issued by Circle and designed to keep a value of one US dollar each. You can spend it, send it and take it out at any time. It is not a bank deposit, Lotvs is not a bank, and it is not covered by any deposit insurance.
Who holds my money?
You do. Your dollars, your investments and anything in Earn sit in an account only you can approve movements from. What approves them is recreated on your device when you sign in and is never stored on our servers, so Lotvs can’t move, freeze or lend any of it. Your AI’s account is separate, and you choose how much goes in.
Where does the money actually sit?
Lotvs runs on Solana, a public payment network. Your balance is USDC on that network, held by an account that belongs to you, and every payment and trade is written to the network’s public record, where anyone, including you, can check it. You never have to touch any of this. Sign in with Google and it all runs in the background.
Do I need to understand crypto?
No. Nothing on Lotvs asks you to. Sign in with Google, top up by card, and pay, invest and earn in dollars. The crypto 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.
Investing and Earn
What am I buying when I buy a stock?
A tokenized stock (an xStock, issued by Backed) that tracks the price of the real share. You can buy and sell it 24/7, in fractions. It isn’t the share itself and doesn’t come with shareholder rights such as voting. They are not offered to US persons.
Can I lose money?
Yes. Stocks, gold and crypto go up and down, and you can get back less than you put in. Lotvs never promises returns. Only invest what you can afford to lose.
You say you can’t lend my money out. So how does Earn work?
We can’t. You can. Earn never moves your money to us. It lends it to borrowers on Jupiter Lend, a lending market on Solana, and you approve that yourself. Nothing goes in unless you put it in, nothing is moved automatically, and you can take it out whenever you want. Your Earn position is never held by Lotvs at any point.
What are the risks of Earn?
It isn’t a savings deposit and there’s no deposit guarantee. The rate is set by supply and demand, so it can drop within the hour, and a bug or an exploit in the lending protocol could cost you everything you lent. Withdrawals also depend on the market having money free to hand back, which gets harder exactly when many people 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. Each trade includes a small platform fee that’s always shown before you confirm. With Earn, we keep 10% of what you earned when you withdraw, and nothing if you earned nothing. Solana network fees are usually a fraction of a cent, and card top ups carry Stripe’s own fees. Your AI’s account pays the same fees.
Where can I use it?
Almost anywhere. Lotvs is open worldwide apart from a list of countries set out in the Terms. The United States is among them, because the tokenized stocks are not offered to US persons. Your balance travels with you either way: it lives in your own account, not in a country. Card top ups depend on Stripe’s coverage where you live, and are charged in euros inside the euro zone and in US dollars everywhere else.
Let it do the paying and the investing.Keep your afternoons.
Next, the rent, the bills and the trip. Open your account today. Open your AI's whenever you're ready.
Free to sign up. Investing involves risk.