How AEVION Bank works.

No. Anyone can sign up at /auth and start using the wallet immediately. Tier upgrades are earned via the Trust Score formula — they're not gated by an invite list.

AEC is the internal credit unit of the AEVION ecosystem. 1 AEC ≈ $0.45 ≈ €0.42 ≈ 215 ₸ at fixed display rates while we're pre-launch. AEC isn't a regulated currency; treat it as ecosystem credit.

Yes. The wallet is a PWA — open it in a mobile browser and tap the install banner to add it to your home screen. Works offline for read-only views; transfers need network.

No. One AEVION account is the same identity across all modules. Royalties from QRight, prizes from CyberChess, and Planet bonuses all settle into the same wallet automatically.

Open /bank, scroll to the Send card, paste the recipient's email or account-id, enter an amount, and confirm. Transfers above your biometric threshold prompt for fingerprint or face unlock.

Yes — type the recipient's email and the wallet resolves it to an account-id via /api/qtrade/accounts. The first send to a new email triggers an anomaly notification asking you to confirm.

A transfer moves AEC immediately. A gift is themed (10+ designs), can be timelocked, comes with a personal message, and requires the recipient to open a /bank/gift/<id> link before the funds arrive.

Open Split Bills, set a total + a list of nicknames + amounts each owes. The split tracks who paid; once everyone settles, it auto-archives. Persists in localStorage so reload doesn't lose state.

No — once signed via QSign, the transfer is final. Recurring transfers and timelocked gifts can be cancelled before they fire. Treat regular transfers like any payment: confirm before tapping Send.

Goals are named savings buckets with a deadline (e.g. 'New laptop — 1500 AEC by Sept'). Round-Up sweeps virtual change from each transfer into a stash. Vault is a staking-style yield product where AEC is locked for a term in exchange for a multiplier on your APY.

Yes — Goals are flexible. The amount stays in your wallet; the goal just measures progress against a target. No early-withdrawal penalty.

APY scales with your Trust tier and the lock-in term. Early-claim incurs a 50% gross penalty, so only commit AEC you don't need.

The recurring transfer auto-pauses if your balance is below the planned amount. You'll see it in the Inbox as a pending action, and can resume after topping up.

Salary Advance gives you instant AEC against future earnings. Open /bank, scroll to the Advance card, request an amount within your tier limit. Repaid automatically from your next inflow.

Limits are gated by Trust tier: Trusted gets up to 500 AEC, Elite up to 2000 AEC. The score itself is computed across 8 factors — see /bank/trust for the full breakdown.

There's a small platform fee on Salary Advance (visible before you confirm). No compound interest, no late fees. The model is: pay once for the convenience, not bleed forever.

Trust Score uses a sub-linear curve, so factors saturate near a soft target. If you've already hit the targets on your active factors, growing the score requires picking up new factors (IP portfolio, chess, planet bonuses).

Open /bank/budget. Set a monthly cap per category — the page tracks real-time pace against the day of month and projects the end-of-month total before any cap is breached. The same caps surface on the main /bank page under the Budget section.

Open /bank/calendar. The calendar reads your active recurring rules from /bank/recurring and projects each charge onto a 30-day heat map. Heavier days get a darker tile and the daily total is shown right on the cell.

Open /bank/subscriptions. The scanner flags three patterns: stale (no run for 60+ days), expensive (≥ 2× the median active rule), and duplicate (same recipient + period + amount). Each flagged rule has a one-tap pause button.

/bank/forecast applies a fixed multiplier (conservative / realistic / optimistic) to your current monthly inflow from royalty + ecosystem + chess streams, then integrates against your goals to compute ETAs. It's a guide, not a guarantee — assumes current behaviour continues.

Account anchor (id, balance, owner email) and operations needed for fraud-response. Goals, signatures, gifts, recipients, biometric thresholds, etc. live in your browser's localStorage and are never uploaded.

Yes — Help → Export wallet downloads a JSON snapshot of 17 localStorage keys. Re-import on any device to restore. The export is enough to fully reconstruct your local state.

Email security@aevion.app from the address tied to your account. We close the server-side account within 7 days. Your local state is on your device — you control it.

Never. We don't have an advertising business. Read the privacy policy at /privacy for the legal text.

The wallet renders from cached state when the backend is unreachable. New transfers fail until the backend comes back. Check status.aevion.app for incidents, or come back in a few minutes — most outages are short.

Log in from another device with the same email/password. Account anchor + balance restore from the server. Local state (audit log, goals, signatures) is gone unless you have an exported JSON — always keep a recent backup.

Open /bank/statement and search by date. If the operation isn't listed, it failed and the balance will reconcile within an hour. If it shows but the recipient says they didn't get it, share the /bank/receipt/<id> link — it's signed proof of payment.

Email security@aevion.app for security issues, otherwise open an issue at github.com/Dossymbek281078/AEVION/issues with reproduction steps. We triage daily.