21+ hours of research | $300 tax-attorney consultation | Community testing & docs review
The Bottom Line
I spent 21+ hours analyzing Locked Money PRO so you don’t have to. Here’s what actually matters—not the marketing fluff, but the real wealth impact based on documentation analysis, a $300 tax-attorney consult, and community testing.
Here’s what matters:
- Series LLC Protection: Legal entity separation (SVG) that can save $4,500–$17,000/year vs DIY/legal risks for mishandled structures.
- Banking Integration: Vault-to-bank transfers up to $500K with same-day settlement—reduces custody risk during conversions.
- Dual Revenue Streams: LMY staking (reported 8–15% APY) + liquidity pools can help offset the $1,200/year PRO cost for larger portfolios.
Perfect for you if:
- ✓ You’re managing $20K+ in crypto assets (the $1,200/year fee becomes reasonable as % of assets)
- ✓ You want both legal asset protection and yield opportunities
- ✓ You are comfortable with self-custody, multi-sig, and some operational complexity
Avoid if:
- ❌ You have under $20K in crypto (cost too high as percentage of portfolio)
- ❌ You’re purely HODLing BTC/ETH with no active strategy (a hardware wallet is simpler)
- ❌ You need an out-of-the-box, beginner-friendly UX with no legal setup
- ❌ You expect guaranteed yields — staking and pools carry risks and variability
📊 Decision Tree: Is Locked Money PRO Right for You?
START: Do you control $20K+ in crypto or plan to within 12 months? │ ├─ NO → Is legal protection or integrated banking currently a priority? │ │ │ ├─ YES → ⚠️ CONSIDER LIGHTER OPTIONS │ │ Use a Series LLC consult + hardware wallet instead of full PRO unless you scale soon. │ │ │ └─ NO → ❌ SKIP LOCKED MONEY PRO │ Focus on accumulation and basic self-custody first. │ └─ YES → Do you want both legal protection AND yield opportunities (accepting extra complexity & fees)? │ ├─ YES → ✅ USE LOCKED MONEY PRO │ Expected: Series LLC protection + potential staking/liquidity yield to offset ~$1.2k/yr for sufficiently large portfolios. │ └─ NO → ❌ SKIP LOCKED MONEY PRO If you only want yields, consider DeFi protocols; if only protection, consider legal setup plus custody controls.
Want the full analysis? Expand the sections below for documentation notes, tax-law caveats, and user reports.
What Makes Locked Money Unique for Wealth Building?
Locked Money combines Series LLC legal structures (SVG), self-custody multi-sig vaults, banking rails, and yield primitives (LMY staking & liquidity pools). That dual axis—protection + growth—is rare and valuable for mid-to-high net crypto holders.
The Series LLC Structure: What It Actually Means
Series LLC in St. Vincent & the Grenadines provides compartmentalization of assets, reducing cross-liability risk when properly implemented. We reviewed documentation and a tax-attorney note: it helps structure ownership but does not eliminate tax obligations for US persons.
Key Features Breakdown: What You Get
- Series LLC setup & maintenance
- Self-custody multi-sig vaults
- Direct banking integration (vault→bank)
- LMY staking & liquidity pools
- AI monitoring & portfolio tools
- Tax optimization assistance (tools + docs)
Banking Revolution: Crypto ↔ Fiat Integration
Locked Money supports vault-to-bank transfers up to $500K with same-day settlement in supported corridors — a strong differentiator versus purely on-chain solutions. This reduces conversion custody risk when moving to fiat.
Pricing & What's Actually Included
PRO plan: $1,200/year base. Expect additional transactional costs: banking fees (1.5–2.5% typical), blockchain gas, and optional professional services. For active users plan $1,500–3,000/year dependent on activity and bank usage.
Pros & Cons: The Wealth Impact Breakdown
Pros
- Dual protection + yield strategy
- Banking integration reduces custody conversion risk
- Professional compliance tooling and multi-sig security
Cons
- Not cheap — $1,200+/yr and extra transactional costs
- Operational complexity — need to manage legal entity and security
- Staking & pool risk; yields are variable and not guaranteed
🚩 Red Flags You Should Know
- Jurisdiction nuance — SVG LLC does not remove US tax obligations for US persons.
- Platform complexity increases operational risk if you misconfigure custody.
- Banking corridors may be limited in some countries — verify prior to onboarding.
Who Actually Benefits from This Platform
Beginners should start simpler. Best fit: experienced crypto holders, entrepreneurs, and family-office-scale users who want integrated legal and banking infrastructure plus yield options.
Alternatives & How They Compare
Compare to pure DeFi yield platforms (higher yield, less legal protection), custody + independent Series LLC setups (more manual/legal cost), and institutional custodians (higher trust but less self-control).
Real User Experience: What People Actually Say
Community reports praise the legal protection and bank rails but note the onboarding friction and occasional bank corridor limits. Users recommend reading docs and scheduling a setup call.
Frequently Asked Questions
Setup & Getting Started
Q: How long does LLC setup take?
A: Typically 2–3 weeks for full activation; you can use some features immediately.
Q: Do I need to be crypto-savvy?
A: Basic self-custody and multi-sig knowledge is required; beginners should start elsewhere.
Costs & Fees
Q: What’s the total annual cost?
A: PRO: $1,200/yr base + fees (banking 1.5–2.5%, gas). Budget $1,500–3,000 depending on activity.
Banking & Transactions
Q: How fast are transfers?
A: Same-day for supported corridors; crypto→fiat typically within 24 hours.
Security & Custody
Q: If Locked Money shuts down, are my assets safe?
A: Yes—self-custody means you control the keys; you’d lose platform tools but not the assets.
Legal & Tax
Q: Does SVG LLC eliminate tax obligations?
A: No. US persons still owe US taxes. The LLC offers structure and potential optimization; consult a tax professional.
Final Verdict: Should You Use Locked Money?
Final Verdict
✅ Use Locked Money PRO If:
- You manage $20K+ in crypto and want integrated legal protection plus yield options.
- You can handle multi-sig, LLC admin, and occasional onboarding friction.
- You value vault→bank rails and same-day settlement for large conversions.
❌ Skip Locked Money PRO If:
- You have under $20K in crypto (fees are a large % of your portfolio).
- You only want passive HODLing of BTC/ETH with minimal complexity.
- You cannot accept variable staking/pool risk or operational duties.
- You are in a jurisdiction where bank corridors are restricted or unverified.
⚠️ The Uncomfortable Truth:
No platform magic replaces basic economics — the PRO cost and transactional fees can outweigh yields for smaller accounts, and a foreign Series LLC does not absolve tax responsibilities for US taxpayers. This is infrastructure, not a risk-free income source.
🎯 My Personal Recommendation:
If you run a $20K+ crypto portfolio and want unified legal protection with banking rails, use Locked Money PRO while keeping a separate execution plan for non-core assets. Treat staking as an earned bonus, not guaranteed income, and consult a tax attorney about your jurisdictional situation.