A wallet for the people
the system left out.
A fund from the people
it counted out.
A dollar wallet, proof of who you are, and a fund the community keeps filled.
Not a loan. Not charity. A pool other people paid into — drawn on when something can't wait, put back when it can be.
If it were transferred today it would earn about $0.00 a year at 4.1%, the short-term Treasury assumption. That is a projection, not money the Fund holds.
AS OF —
OPENS TO FAMILIES WHEN SEAM'S MISSION-LOCKED ENTITY EXISTS.
Sixty seconds inside the whole thing — money, the Fund, your identity, and help.
Every cent, accounted.
Receipt
Security & privacy.
Your wallet is protected by this device, your SEAM passkey, and continuous security checks. Nothing needs your attention.
A lock keeps out someone who does not know your passcode. It does not keep out someone standing over you who can make you type it. That is the honest limit of what SEAM can do.
Your biometrics stay on this phone — SEAM only ever receives a yes or a no. Face opens the wallet. It never opens your identity file, which takes a passcode you type. A phone held up to your face is not an open file.
Approving signs this exact payment. Checks can pause a transfer — never approve one. SEAM can check the name on an account. It cannot check the person behind it.
What the AI checks do and don't do
The two checks marked AI are in beta. They will miss things, and they will flag things that were fine.
They can pause or slow a transfer. They never approve one for you, and they never decide who you are allowed to pay.
These signals protect your wallet only — never to judge your immigration status, your eligibility for aid, your credit, or your access to your own records.
How the watching works
AI watches before a transfer leaves and after it lands. A second pair of eyes, not a guarantee — in beta it gets things wrong in both directions.
It can pause, delay, or ask you to confirm on another device. It can never approve anything by itself.
If money left your wallet and you did not agree to it, say so. It costs nothing, a person decides it — never the AI — and at launch the licensed partner holding the money has a legal deadline to answer you in writing.
Devices with access.
Only these can open your wallet. Remove any you do not recognise.
Adding a passkey, changing recovery, or registering a device always alerts every device you already trust.
Getting back in.
Several independent ways in — so one lost thing is never the end.
✕ What can never let someone in
An email, a text message, or a copy of your documents cannot on their own reset your wallet. Phone numbers get recycled, documents get taken, and accounts get broken into — so none of them is enough by itself.
Sensitive recovery changes wait out a delay first, and every device you trust is told the moment one starts.
Ask the Fund.
Available to you now: $125.00
More than you can draw today. Your access grows as money returns to the Fund.
The public ledger records only a category and a rounded amount. Never your name, your city, or the date.
Your plan, not a schedule we hold you to. There is no due date and nothing is owed — this is only so you can picture it.
Nothing is reported to a credit bureau and nobody is sent to collect — because nothing is owed. You return it when you are able, so the next family can draw on it.
Demo — no money moves and no request is sent.
It's yours.
Security activity.
Everything that touched your wallet. If one of these was not you, say so.
Saying “this wasn't me” freezes your wallet straight away and opens a written report you can come back to. It is free, and it never counts against you.
Ask to be paid.
Name the amount, so nobody has to remember it.
The person paying sees the amount and what it is for — nothing else. Not your balance, not your history, not who else has paid you.
$450.00
Work completed
A request is not a bill and not a debt. Nobody is obliged by it, SEAM never chases it, and it disappears when you delete it.
Demo — no request is sent anywhere.
Sending limits.
What can move, and how fast. Limits protect you as much as they restrict you.
The lower first-send limit is deliberate. Most money lost to a scam goes out on the first payment to someone the sender had never paid before, and a cap is the one protection that works even when everything else has been talked around.
Limits rise on their own as your history builds — nothing to apply for and nobody to convince. They are never lowered because of anything about who you are, where you were born, or your immigration status.
These figures are what SEAM intends to launch with. They are not live, and a licensed partner may require different ones.
Credential
—
—
—
SEAM carries proof that somebody else issued. It does not replace a passport, a government ID, or any official document, and SEAM cannot issue identity itself.
First time paying them.
One screen, then you can carry on.
If they got in touch first, stop and check. Reach them on a number or address you already had — not one from the message — and ask whether it was really them. Someone pretending to be family is the most common way people lose money here.
You can send a small amount first, $5 or $10, and wait until they tell you it arrived before sending the rest. Nothing makes you send it all at once.
Urgency is the most common thing a scam uses. A real emergency still survives one phone call to a number you already had — a scam usually does not.
If someone makes you open your phone.
What the lock does, what it does not, and what we will not pretend.
Locking your file hides the file. It does not hide the wallet. Anyone holding your unlocked phone can still see what you have and who you paid. We would rather you knew that than found out later.
A lock keeps out someone who does not know your passcode. It does not keep out someone standing over you who can make you type it. No app can fix that, and any app that says it can is selling you something.
People ask for a second passcode that opens a decoy — an empty wallet, a wallet with nothing in it. We have decided not to build one, and we want the reason on the record rather than in a document nobody reads.
A decoy only helps if the person forcing you does not know decoys exist. If they suspect one, you are in more danger than if you had simply opened it — and you would be carrying that risk because we put the feature in your hand. We are not willing to hand someone a tool whose failure lands on them and not on us.
SEAM is not a lawyer and will never tell you what to do when someone with power over you is standing there. What we can say is that free immigration legal help exists in most US cities, and that a person at SEAM will talk to you — not the AI.
This describes how SEAM is designed to work. It is a demo: none of it is built, and no part of this is legal advice.
Already done — nothing can leave your wallet and no new device can be added while this is open. You can undo it from Security whenever you want.
This wasn't me.
Reporting is free, and it never counts against you.
Not sure is a real answer. You do not have to be certain to report something, and being wrong about it costs you nothing.
Write it in whatever language you think in. You will never be asked about your immigration status, and nothing you write here leaves SEAM.
Tell us within 60 days of the payment appearing in your history. After that the money may not have to be put back. Report it anyway — late is better than not at all.
These deadlines are what US law requires of the licensed partner that would hold your money — they are not a promise SEAM makes on its own, and no partner has signed. Nothing here is live. The rule is the Electronic Fund Transfer Act, which most people will never need to name.
Reported.
Keep this number. You can come back to the report any time from Security, and you will get the answer in writing whatever it says.
Reports you've made.
Every one you have opened, and where it got to.
Nothing here is shared outside SEAM, and none of it touches your credit, your immigration status, or your access to the Fund.
Aug 1 – 7
Sorted by AIBeta — re-file anything that looks wrong.
Your face does not open this. It takes a passcode you type.
SEAM carries proof that others issued. It does not replace a passport, a government ID, or any official document.
Supporting records — not the identity itself. Share them only when they help you.
Biometrics stay on your device. Your data is never sold. Export it at any time.
SEAM is not a bank and holds no banking licence. At launch an account like this would be opened for you at a licensed partner bank, and your money would be held there, not by SEAM. No partner bank has signed, so this account does not exist.
✦ Right here with you. What do you need?
You are talking to an AI, and it is in beta. It can be wrong. It can warn you and it can pause a payment — it can never tell you a person is safe to pay, and it can never approve a payment for you. For anything about your immigration status, a court date or a medical bill, check with a person too.
The chat answers in your language. The rest of the app speaks English and Spanish today. The Spanish is machine-built under a locked glossary and has not yet been checked by a native speaker. That check is the bar every language must clear before it ships — a wrong word in a disclosure is worse than an English one.
The Fund.
How it works
Not a loan. Not charity. A pool other people paid into. You draw when something can't wait and put it back when you're able.
Drawing never changes your ceiling. Only money going back lifts it — a dollar for a dollar, up to $500.
Nothing is owed and nobody is chased. SEAM watches for bad faith — never for slowness — and it never leaves SEAM.
100% reaches families · Your fund activity is private unless you show it
Cash.
Most of the people SEAM is built for are paid in cash. Here is the honest position.
A cash network is the hardest part of this to build and the part we can least promise. It needs a licensed partner and shops willing to hold money. We would rather say nothing is signed than let you assume something is.
Since January 2026 the US charges a 1% tax on money sent abroad when the sender pays with physical cash, a money order, or a cashier's check. Sending from a balance is outside it. That is why how cash gets into a wallet is not a small detail — and why we will not open cash top-ups until counsel has settled it.
Demo only — no money moves here.
What you can reach.
Two different kinds of money. Worth keeping them apart.
Money you were paid. Nobody can ask for it back.
This is not your money until you ask for it — it belongs to the pool, put there by other families. Nothing is owed when you do draw it, and nobody chases you. But it is worth reaching for only when something can't wait.
In and out.
Every movement between you and the Fund.
The public ledger shows only a category and a rounded amount for each of these — never your name, your city, or the date.
POINT AT SOMEONE'S SEAM CODE
@carlos·seam · a code, not an introduction
A code only proves you scanned this screen. It does not tell you who is holding the phone.
The camera is a mockup in this demo — nothing is scanned.
Send to
They pay nothing. Ever.
Who are you paying?
Found an account.
Share these three?
Locked rate.
How much?
Flat $1.99 — pilot target
Look at the math.
Everything, before you confirm.
SEAM has never met the person you are paying. We cannot tell you they are honest — only what your own history shows.
Most services charge a percentage, so the more you send the more they take. SEAM's pilot target is a flat $1.99 whatever the amount. We'll publish real, checkable comparisons when we're live.
You can cancel for 30 minutes after approving and get everything back, including the fee. After that it may not be reversible.
Holding signs this amount to this person — not a blank approval.
Sent. Stitched.
Full refund, including the $1.99 fee.
Nobody carries it alone.
Dollars, a QR, proof of who you are — and a fund that exists because someone else sewed it forward.
Join the pilot