Manage your family’s financial future, together.
Save together, pay bills together, invest together, and pass on wealth securely using programmable family treasuries powered by Stellar.
Non-custodial. Built on Soroban smart contracts. Open source under StellarNest-Org.
Adeyemi Family Treasury
$190,870
Settlement time
Typical network fee
Families in beta
Treasuries automated
No single person can misuse family funds
StellarNest replaces trust-by-default with rules-by-design — programmable, transparent, and enforced on Stellar.
Create a shared treasury
The Owner deploys a family treasury and invites members with the role that fits them.
Set the rules once
Approval thresholds, spending limits, and automation are configured once and enforced forever.
Rules execute on-chain
Soroban smart contracts run the rules — no single person, including StellarNest, can override them.
Everyone sees everything
Balances, approvals, and history are transparent to every member with view access, always.
Save toward what your family actually wants
Create as many goals as your family needs — an Emergency Fund, a vacation, a house deposit, an education fund — and watch every contribution move the bar.
- Unlimited savings goals per treasury
- Every member can contribute automatically
- Real-time progress, visible to the whole family
Never miss rent, school fees, or the power bill
Electricity, rent, internet, school fees, insurance — scheduled once, paid automatically, with reminders before anything is due.
- Recurring payments execute through smart contracts
- Reminders land before a bill is due, not after
- Every payment is logged to the treasury’s audit trail
Rent
Rent
$2,200
Due in 2 days
City Power & Light
Electricity
$184
Due in 5 days
Fibernet Home
Internet
$65
Due in 9 days
Greenwood Academy
School fees
$1,400
Due in 14 days
Family Health Cover
Insurance
$310
Due in 21 days
Grow the treasury, together
Invest family funds into Stellar assets with a portfolio view built for a family, not a trading desk — value, profit and loss, and risk allocation at a glance.
- Portfolio value and profit/loss, always current
- Risk allocation across stable, growth, and yield categories
- Historical performance charted over time
Portfolio value
$171,900
Wealth that continues after generations
Configure beneficiaries, percentage allocations, and time-locks once. Guardian approvals and a dead-man switch make sure the plan executes — with or without a lawyer in the room.
- Percentage allocations across any number of beneficiaries
- Time-locks and a dead-man switch, independently configurable
- Guardian approvals required before any distribution
Time-lock
Unlocks in 11 years, 4 months — or sooner via dead-man switch
Guardian approvals
1 of 2 guardians have approved this claim
Beneficiary allocation
Every treasury runs on rules you set
From approval thresholds to emergency freezes, the rules engine turns your family’s financial agreements into enforceable, on-chain logic.
- Require multiple approvals above a threshold you choose
- Parents approve children’s spending automatically
- Freeze the treasury instantly if something looks wrong
Require 2 approvals before any withdrawal above $1,000
Parents must approve a child’s spend above their weekly allowance
Each child’s monthly allowance is capped automatically on-chain
Emergency withdrawal mode bypasses timelocks with 3-of-4 guardian sign-off
Automatic savings transfers execute every payday, no manual step
Every family member gets the right amount of access
Six roles, each with customizable permissions — so a child's allowance and a guardian's oversight both fit naturally into one treasury.
Owner
Founds the treasury, sets the constitution, holds ultimate recovery authority.
Parent
Co-manages the treasury, approves spending, sets allowances and rules.
Guardian
Trusted outside the immediate family — approves large withdrawals and inheritance claims.
Child
Spends within an allowance and per-transaction limit set by a Parent.
Advisor
A financial advisor or accountant with visibility, without spend authority.
Viewer
Read-only access — grandparents, family office staff, or auditors.
| Action | Owner | Parent | Guardian | Child | Advisor | Viewer |
|---|---|---|---|---|---|---|
| Create savings goal | ||||||
| Approve withdrawal > threshold | ||||||
| Spend within limit | ||||||
| Configure rules | ||||||
| Invite / remove member | ||||||
| Freeze treasury | ||||||
| Approve inheritance claim | ||||||
| View activity |
Hold what your family actually holds
XLM, USDC, EURC, AQUA, or any custom Stellar asset your family trusts — each with its own logo, balance, and trustline.
XLM
Stellar Lumens
USDC
USD Coin
EURC
Euro Coin
AQUA
Aquarius
+ any custom Stellar asset
Issue and trust an asset your family already uses
Built on infrastructure designed for real money movement
StellarNest doesn't reinvent settlement — it puts a family-friendly interface on primitives Stellar already does well.
Fast settlement
Transactions settle in 3–5 seconds on the Stellar network — a family payment never waits on a banking day.
Low fees
Base fees around $0.00001 per operation mean automation — weekly allowances, recurring bills — costs nothing meaningful.
Soroban smart contracts
Every treasury is a Soroban contract. Rules, roles, and approvals are enforced by code, not by policy.
Multi-signature
Approval thresholds are native multi-sig logic — no custom escrow, no trusted intermediary holding funds.
Trustlines & asset issuance
Hold XLM alongside USDC, EURC, or a custom-issued family asset, each governed by a standard Stellar trustline.
Programmable payments
Recurring bills, allowances, and profit distributions are scheduled on-chain — not a cron job StellarNest could quietly skip.
Family funds, protected the way real treasuries should be
Security isn't a settings toggle — it's the default shape of how a StellarNest treasury works.
Multi-signature treasury
Approval thresholds are enforced by the Soroban contract itself, not a server StellarNest controls.
Passkeys
Sign in and authorize with device biometrics — no password to phish, no seed phrase to screenshot.
Hardware wallet support
Ledger and other hardware signers work natively for Owners and Guardians who want cold-storage assurance.
Encrypted recovery
Recovery paths are encrypted end-to-end and never reconstructable by StellarNest infrastructure alone.
Guardian recovery
Lose your key, not your treasury — configured guardians can co-sign a recovery without becoming custodians.
Audit logs & contract security
Every approval, freeze, and withdrawal is timestamped on-chain, backed by a tested Soroban contract.
Set it up once. It runs itself.
Every rule below is a workflow the treasury executes on its own schedule — visible to the whole family, editable any time.
Automatic savings
Save $200 to the Emergency Fund every payday, split across contributing members.
Weekly allowance
Send $25 to each Child member every Friday, capped by their spending limit.
Rent, on autopilot
Pay rent on the 1st of every month once the treasury balance clears the threshold.
Profit distribution
Distribute 10% of quarterly investment profit back into the Vacation goal.
Inheritance release
Release the vault to beneficiaries once legal conditions and guardian approvals clear.
Beyond a joint account or a shared spreadsheet
Traditional tools rely entirely on trust. StellarNest enforces the rules your family agrees on.
| Capability | Traditional bank | Shared spreadsheet | Joint account | StellarNest |
|---|---|---|---|---|
| Transparency | Statements, monthly | Manual, easy to fake | Partial | Full on-chain history |
| Automation | Standing orders only | None | None | Rules-based workflows |
| Global access | Branch-dependent | Yes, informally | Limited | Anywhere, any device |
| Fees | Wire & FX fees | None (but no infra) | Maintenance fees | Stellar network fees (~$0.00001) |
| Programmable rules | No | No | No | Yes, enforced on-chain |
| Inheritance | Requires a will + probate | Informal notes | Survivorship only | Programmable vault, no probate delay |
| Shared approvals | Rare, manual | Trust-based only | Either signer, no limits | Configurable multi-sig rules |
Comparisons reflect typical retail offerings; specifics vary by institution.
What families are saying
“We used to run the family finances off three spreadsheets and a group chat. StellarNest replaced all of it with one treasury everyone can actually see into.”
Amara Adeyemi
Owner, the Adeyemi family treasury
Questions families ask before they start
Bring your family’s money onto one treasury today
Free to start, with one family and a basic treasury. Upgrade when you’re ready to automate, invest, and plan inheritance.