Picture this

Who it is for

Anjali Rao dispatches school buses in Pune and keeps her savings in three places: Bitcoin from 2019 on a paper seed, ETH in a phone wallet and SOL in an app her nephew set up. When the July rains soaked the folder with the Bitcoin seed, she spent a week drying pages and found she could not remember which phrase opened which wallet. Home Account gives her one name, anjali.near, that controls real addresses on Bitcoin, Ethereum and Solana through NEAR Chain Signatures, so there is one recovery plan and one address book. Swaps go through NEAR Intents only inside the daily caps she set, a new recipient waits a day before it can receive money, and a private AI helper reads each request back to her in plain words before her phone key signs. The helper can explain and warn, and it can never sign.

Two ways to own it

What you get

Base$100

Yours in 5 to 7 days

A web app and installable phone app for one named NEAR account: Chain Signatures addresses on Bitcoin, Ethereum and Solana derived from that account, balances read from each chain, swaps routed through NEAR Intents with the 1-Click Swap SDK inside per swap and daily caps, an address book with a 24 hour cooling off period for new recipients, a recovery plan with two full access keys and a written checklist, meta transactions so the user never needs NEAR for gas, an AI explainer on NEAR AI Cloud that holds a function call key limited to proposing, a plain words activity log, plans with checkout and the owner console.

You choose: accent color and app icon
You choose: supported chains and assets
You choose: default caps and cooling off period
You choose: explainer language and tone
You choose: owner name and support contact

Customfrom $1,400

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Chain Signatures, NEAR Intents and named accounts are live NEAR tools, and wallets such as Meteor and HOT already use parts of them. What is new is the household shape: one recovery plan for coins that stay on their native chains, an address book with a cooling off rule for new recipients, swap caps the owner of the account sets and the app cannot loosen, and an explainer that runs inside a TEE on NEAR AI Cloud and holds only a limited function call key, so it can propose and warn but never move funds.

Closest things out there

Multichain wallets built on NEAR Chain Signatures and Intents (for example HOT Wallet and Meteor Wallet), and wallet security tools such as Rabby's transaction preview and Wallet Guard. None combine native chain custody under one named account with owner set caps and a signing-free AI explainer.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Fewer seed phrases in drawers and one calm voice that tells you what a signature will do before you give it.

The Regatta Board

Races Home Account can enter

8 live races fit this app. Each one says why, with its prize and countdown. The rule on existing code is on the race page.

See every race on the board

What you own

The whole app, not a starter kit.

A complete self custody app you own: people put their Bitcoin, ETH and SOL behind one named NEAR account with one recovery plan, swap only inside caps they set, hear every request explained before they sign, and pay you monthly for more explanations and household accounts. Your console runs pricing, growth, rules and the explainer.

Base price · $100

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Illustrated home with the key ring card and first-run onboardingHome

Three step welcome, then one card showing the named account and its Bitcoin, Ethereum and Solana addresses.

Named account setup with a tested backup keyKeys

Creates the name, adds a phone passkey and an offline backup key, and makes the user restore once before any deposit.

Chain Signatures addresses and balancesHome

One derived address per chain with live balances in dollars and a copy or share button.

Caps cardRules

Per swap cap, daily cap, allowed assets and slippage limit, stored in the caps contract and loosened only after a 24 hour delay.

Swaps through NEAR IntentsSwap

1-Click Swap SDK quotes with route, fees and minimum received, signed only when the quote fits the caps.

Address book with cooling offSend

New recipients wait 24 hours before they can receive money, with a timer and a plain explanation.

Read back explainerSwap

A one or two sentence summary of every request from an AI running in a TEE on NEAR AI Cloud, with the raw request one tap away.

Gas without NEARSend

Meta transactions through the owner's relayer, so users never need to buy NEAR.

Activity log in plain wordsLog

Every signed, held and refused request with the rule that decided it.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue dashboard and paywall editorRevenue

Rename tiers, change prices and choose what is gated; the user app updates at once.

App wide rulesRules

Default caps, the longest cooling off period, supported assets and the explainer's monthly free allowance.

Explainer and relayer logAgent

What the explainer flagged, which requests the contract held, and relayer gas spent, including failures.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Growth loopsGrowth

Send to a name invites, read back share cards and family onboarding links.

Roadmap with add-on buildsRoadmap

Household co-sign, more chains and an inheritance plan, each scoped and priced.

The money path, built in

How it earns for you

A free account with a monthly explanation allowance, a Keeper plan for unlimited explanations and statements, and a Household plan for families. Optional disclosed integrator fee on swaps, off by default.

HomeFreeOne named account, three chains, caps, cooling off, recovery checklist and 20 explanations a month.

Keeper$4 per monthUnlimited explanations, caps per asset, a weekly statement and a tax export.

Household$12 per monthUp to four named accounts, a shared address book and a second person co-sign for large sends.

If the owner turns on the integrator fee in the 1-Click Swap SDK, it is shown on every quote before signing. It is off by default.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Send to a name: the first time someone receives money at a .near name, they get a one tap invite to make their own
Read back share cards that show what a signature would have done, with addresses masked
Family onboarding links where one person walks a parent or sibling through setup and the backup test
A monthly cooling off report: how many sends to brand new addresses waited and how many were cancelled

Roadmap · build the next phase with us

Where it goes next

v1 included

One name, three chains

Named account with a tested backup key
Chain Signatures addresses on Bitcoin, Ethereum and Solana
Caps contract and cooling off
Swaps through NEAR Intents
Read back explainer in a TEE
Plans, paywall editor and agent log

Included

Household accounts

Up to four named accounts
Shared address book
Second person co-sign above a set size

Add-on from $600

Inheritance and more chains

Long delay recovery to a named family member
More Chain Signatures chains
Exportable recovery binder

Add-on from $900

The pitch, ready for investors and grant reviewers

Unlocked when your app is paid in full

Your 2 minute demo script

Unlocked when your app is paid in full

Make it entirely yours

Custom builds start from $1,400: more chains through Chain Signatures, a family inheritance plan, a branded app for a community or exchange education program, or integration with a hardware key.

Custom from $1,400

BLUEPRINT

Why it matters and how it really works

The recipe (how it is built, the data, costs, risks, build order, the pitch and the demo script) is unlocked when your app is paid in full.

The need

Many people who hold a little Bitcoin, ETH and SOL keep three wallets, three seed phrases and three address books. Seeds get lost, wet or mixed up, a rushed swap goes through a bridge nobody checked, and a signing screen full of hex gives no hint of what is about to happen. Families end up with savings that only one person can open, and that person is often unsure how.

What exists and what is new

Multichain wallets exist, and some already use NEAR Chain Signatures and Intents under the hood. Transaction previews and phishing warnings exist too. Home Account is an incremental take built for a household: one named NEAR account controls native addresses on Bitcoin, Ethereum and Solana, so there is one recovery plan; swaps run only through NEAR Intents inside caps the account holder sets in a small contract; a new recipient waits through a cooling off period; and an AI explainer runs in a TEE on NEAR AI Cloud with a function call key that can only propose, never sign. Research verdict: parts exist, the combination is new, medium novelty.

The data it runs on

Unlocked when your app is paid in full

1.The mission

Your savings on any chain should sit behind one name you understand, one recovery plan you have tested, and rules you set yourself, with a calm explanation before every signature.

2.Why people can't resist it

Read it back to me Before any signature the helper says, in one or two sentences, what will leave the account, where it goes, what it costs and which rule it passed. People screenshot it because it is the first signing screen they understood.

The rule that waited When a new address tries to receive money, the app shows the cooling off timer and why it exists. The day a scam message fails because of the timer is the day a user tells their family.

One name, three chains anjali.near shows real Bitcoin, Ethereum and Solana addresses on one card. A family member can send to a name they can spell instead of a string they must copy.

3.How it works for real

Unlocked when your app is paid in full

4.Pricing

Cost per use: unlocked when your app is paid in full.

Home Free

One named account, Bitcoin, Ethereum and Solana addresses, caps, cooling off, recovery checklist and 20 explanations a month.

Keeper $4 per month

Unlimited explanations, custom caps per asset, a weekly plain words statement and an export for taxes.

Household $12 per month

Up to four named accounts with a shared address book and a second person co-sign for any send above a size the family picks.

5.Growth loop

Each family that moves its savings under one name invites the next person it sends money to, because sending to a name is easier than copying an address. Read back screenshots and the cooling off story spread in family and community chats. The weekly statement brings people back without a single push for trading.

6.Risks and guardrails

Unlocked when your app is paid in full

7.Build order

Unlocked when your app is paid in full

8.Where this is going

Now
One name for a person's coins on three chains, one tested recovery plan and rules they set themselves.
Next
Household accounts with a shared address book, co-sign for large sends, and more chains through the same Chain Signatures account.
Later
An inheritance plan where a named family member can reach the account after a long silence, with a long delay and a clear way to cancel.
The world it builds
Holding savings onchain feels like having a house key: one ring, a spare kept somewhere safe, and a lock that explains itself.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Home Account

Plenty of people hold a little Bitcoin, ETH and SOL and are one wet folder away from losing it. Owning Home Account means you run the calm version of self custody: one named NEAR account for coins that stay on their own chains, one tested recovery plan, caps the user sets, and an explainer that reads every request back before a signature. You earn from monthly plans, never from holding anyone's money.

What’s stopping you?

“I am not a security engineer. Can I run a self custody app?”

The app never holds keys or funds. Keys live on the user's phone and their backup, Chain Signatures signing is done by the NEAR MPC network, and the caps contract decides what is allowed. You run the app, the relayer and support, and you get the caps contract reviewed before you charge.

“What if the AI explainer gets something wrong?”

It can, and the app says so. The raw request and the caps contract result sit next to every summary, and the contract, not the model, allows or holds a request. The explainer only holds a function call key that can propose, so a wrong summary can never move money by itself.

“What if a user loses both keys?”

Then the account cannot be recovered, and the setup screen says that in plain words. That is why setup forces a restore test from the backup key before any deposit and repeats the reminder every six months.

“Is this legal where I live?”

Self custody software that never holds funds is treated more lightly than an exchange in many places, but rules differ by country, especially once you charge or add swap fees. Take local advice before you charge, keep the integrator fee off until you have, and never call the app investment advice.

A revenue ladder, step by step

Monthly Keeper and Household plans, white label copies for communities and education programs, and paid setup help for families. Illustrations, not promises.

$200

$6,000

$4,500 plus users

$95,000

First families

50 paying users

$4 a month

Known in two communities

900 paying users

$4 to $12 a month

White label

10 communities or programs

$450 a month

Category regular

14,000 paying users and 30 programs

Mixed

Publish a monthly cooling off report: how many sends to brand new addresses were cancelled during the wait
Partner with communities that teach first time self custody on family setup nights
Sell Household plans that bring a parent, partner or sibling onto the same address book

Illustrative stages, not a forecast. Results depend on you and the market; nothing here is guaranteed.

Pick your destination

Grow it into a business

People who already hold coins on more than one chain feel the pain of several seed phrases at once. A read back screenshot and a tested backup key are easy to show and quick to trust.ARRIVE: Your first paying Keeper and Household users, found among people who already hold coins on two or more chains.5 moves · first one within the hour →

Raise for it

Chain abstraction for households is a clear thesis, and it uses the NEAR stack end to end. Grants and accelerators that fund crypto native consumer safety can read it in one page.ARRIVE: One or two applications sent with a real demo, a public repo and numbers from your first month.5 moves · first one within the hour →

Become a real builder on a chain

Deploying the caps contract and running real Chain Signatures requests under your own named account leaves a public record of careful NEAR building. The NEAR token is already live, so this is about proof of work, not a promised reward. Airdrops are never guaranteed.ARRIVE: Home Account live under your name on NEAR mainnet, with your own account in use and a public build log.4 moves · first one within the hour →

Win with it at hackathons

Home Account uses the tools the NEAR Hackathon names: Chain Signatures, NEAR Intents, the 1-Click Swap SDK, NEAR AI Cloud with TEEs, function call keys, meta transactions and named accounts. A focused new feature built during the event can be judged on its own.ARRIVE: A submitted NEAR Hackathon entry with a public repo, a public demo post on X and a clear diff of what you built during the event.5 moves · first one within the hour →

Run your own work on it

If you keep several seed phrases and check several wallets, Home Account gives you one name, one backup and one log, and it stops the rushed swap you would regret.ARRIVE: Your own coins behind one named account with a tested backup, and the old seed phrase pile retired safely.4 moves · first one within the hour →

Get your people moving

The read back explainer and the cooling off timer make a great, honest way to teach people what a signature really does, including how scams try to rush you.ARRIVE: A teaching session where every attendee leaves with a tested backup key and has seen a scam send wait out its timer.4 moves · first one within the hour →

Partner with founders and projects

Communities that onboard people to self custody need a safe first account to recommend. A co-branded setup night and the cooling off report make an easy partnership.ARRIVE: One community or program that runs family setup nights with your copy and shares the monthly cooling off report.4 moves · first one within the hour →

Prove your skills with it

A live app that combines Chain Signatures, NEAR Intents, function call keys and a TEE hosted model is strong proof of careful multichain engineering and product judgment.ARRIVE: A published case study with screenshots, contract links and an honest list of what you would do differently.4 moves · first one within the hour →

Sell it as a service

Families and small groups want their savings in one safe place without handing anyone their keys. Setting up Home Account with them, backup test included, is a service you can sell.ARRIVE: Three paid setups completed, each with a passed backup test and two sentences from the client.4 moves · first one within the hour →

No budget yet? Be a CEO anyway at CEOism, then come back for your vessel. ceoism.com ↗

NOT QUITE HOME ACCOUNT?

Commission your own version.

Send a short brief: the idea, the chain, your budget and deadline. A real person replies usually within a day with questions or a fixed quote. The custom tier for Home Account starts at $1,400, and you pay nothing until you approve the quote.

Send a brief

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