Money from home,
with family watching.
Companion moves a student's allowance across borders in about a second. When something looks wrong, it pauses the money and tells their parent before anything leaves.
No password. No recovery phrase. One Face ID. Opens in your phone's browser, and you can add it to your home screen.
YOUR BALANCE · AUSD
$200
Next allowance
$150 from Kavya
Tuesday 20 Oct
Rent · $250
Paid in 1.3s. Kavya approved it.
RECENT
Allowance from Kavya+$150
From home, settled+$300
Rent−$250
⏳ HELD FOR SAFETY
$120
to a new person · held in 0.8s. We've asked Kavya.
THIS LOOKS LIKE
the fake officer scam
This looks like the fake officer scam: this is someone new and it is the middle of the night there. Real officers never ask for payment by phone, gift card or transfer.
If nobody answers in 30 minutes, the money goes back to you. Never to them.
Across the border
Chennai to Indiana in about a second
The weekly allowance settles through Agora's Instant Settlement on Monad, in the same transaction that moves it. A bank transfer takes one to three business days.
- 0.47 s
- median confirmation, measured on Monad testnet
- 1 Face ID
- for the parent to stop a payment, checked inside the contract
- 0
- dollars that reach a new payee before the parent decides
Testnet: the money is Agora's testnet tokens and has no real value.
The mobile app
One app. Two people. One scene that matters.
Arjun and Kavya use the same app, each with their own screens. Every number on these screens comes from a real run on Monad testnet, recorded below.
Set up in one Face ID each
Arjun creates his account and invites Kavya on WhatsApp. She opens the link and accepts. She never has to configure anything.
- ✓One passkey per person: no password, no recovery phrase, no email, no OTP.
- ✓Kavya signs the weekly allowance once: $150 a week, with rent on the signed schedule.
- ✓Arjun can only pay people already on that signed schedule without a pause.
Arjun wants you as his Companion
You approve anything unusual. You never have to set anything up.
No password. No recovery phrase.
The allowance arrives by itself
Every week the allowance settles in about a second (1.1s in the recorded run) and shows up on Arjun's home screen. Rent pays itself.
- ✓Balance in dollars, next allowance and rent status on one screen.
- ✓Recipients are names, never account numbers or addresses.
- ✓No pending state: when it says sent, it is sent.
YOUR BALANCE · AUSD
$200
Next allowance
$150 from Kavya
Tuesday 20 Oct
Rent · $250
Paid in 1.3s. Kavya approved it.
RECENT
Allowance from Kavya+$150
From home, settled+$300
Rent−$250
Anything unusual pauses first
A new person, an unusual amount or a flagged number opens a hold. The money has not left. In the recorded run, a $120 payment to a new person was held in 0.8s.
- ✓He must say what the payment is for before it is sent.
- ✓The hold names the pattern it resembles and says why, in plain words.
- ✓If nobody answers, the money returns to Arjun. Never to the payee.
Send money
TO
AMOUNT
$120
WHAT'S THIS FOR? (REQUIRED)
⏳ HELD FOR SAFETY
$120
to a new person · held in 0.8s. We've asked Kavya.
THIS LOOKS LIKE
the fake officer scam
This looks like the fake officer scam: this is someone new and it is the middle of the night there. Real officers never ask for payment by phone, gift card or transfer.
If nobody answers in 30 minutes, the money goes back to you. Never to them.
She decides, with her own Face ID
Kavya gets an alert with the amount and the reason, then taps Stop it or Allow. In the recorded run her stop was confirmed in 1.1s and the balance went from $80 back to $200.
- ✓The decision is verified inside the contract on Monad. No server, no company and no scammer can override her.
- ✓Stopping returns the money to Arjun at once.
- ✓Once Arjun is not alone on the call, the scammer's pressure stops working.
Arjun needs you
Not sure? Stop it. Arjun gets the money back.
✓ STOPPED BY KAVYA
$120
is back with Arjun. The new person received nothing.
Balance while held$80
Balance after$200
Held for7s
Stop confirmed in1.1s
Signed with Kavya's passkey and checked inside the contract.
Check on Arjun, any time
A cloned voice can say anything. A passkey cannot be cloned. One tap asks Arjun's phone to answer with his own passkey. In the recorded run it was verified onchain in 1.3s.
- ✓Proves it is really his phone, in his hand, right now.
- ✓Does not prove he is safe. The app says so, and suggests a video call.
- ✓He also has a quiet "I can't talk freely" option that freezes outgoing money.
✓ SIGNED ON ARJUN'S PHONE
Verified in 1.3s
His passkey answered. This is really his phone, in his hand.
Try it on your phone
Open the app, create a student account, then send the invite to a second device to play Kavya.
Open the mobile appSafeguards
What happens behind the screen
Allowance on autopilot
Kavya signs one envelope. The agent settles it every week with nobody touching the app.
A cooling hold, not a block
New person, unusual amount or a flagged number? The money waits. Nothing is ever pulled back from anyone.
Rules decide, then explain
The hold comes from fixed rules. The same rules name the pattern and explain it in plain words, and a language model can write that explanation when it is switched on. Nothing but the family's passkeys can move or release money.
Breaks the isolation
Scams work by keeping the student alone on the phone. Companion pages the parent the moment a payment is held, so he is no longer alone.
Silent SOS, for money outside the app
One discreet tap on the student's phone pauses their money, pages the parent and opens a private video call. It works for gift cards, Zelle and wires too, because it breaks the isolation the scam depends on, not the payment.
Fails safe
If nobody answers, anyone can expire the hold and the money returns to the student. A keeper does it automatically.
Learns as a network
When a family confirms a scam, other families see a raised hold level for that number. Reports raise a hold. They never block on their own.
Your questions
Is it a real mobile app?+
It runs in your phone's browser and installs to the home screen like an app. Sign-in uses a passkey (Face ID or fingerprint), which needs the browser for now. A native build is planned.
Does Companion protect Arjun's bank account?+
Not directly, and no app can: a gift card or a Zelle transfer never touches Companion, and even banks cannot stop a transfer you are pressured into. Money from home stays in the app, and anything unusual is held for his parent. For everything else there is Silent SOS: one tap pauses his money, pages his parent and opens a private video call. Every one of these scams needs the victim isolated, however the scammer wants to be paid, and that is what the tap breaks.
What if Kavya does not answer?+
The hold expires and the money returns to Arjun. It never goes to the payee.
Does "Check on Arjun" prove he is safe?+
No. It proves it is really his phone in his hand right now. A passkey cannot be cloned, but a person can be pressured. The app says this on the result screen.
Does a parent in India buy crypto?+
No. Parents never touch a token. On testnet a labelled stand-in plays the part of the licensed remittance partner that would deliver dollars in production.
Who can move the money?+
No company can, including us. Spending needs Arjun's signature plus the contract's rules, and releasing anything held needs Kavya's passkey.