Will Locked Money Help You Increase or Maintain Your Wealth? Deep-Dive PRO Plan Review

Personal Opening: Why I’m Reviewing This

Look, I’m what you might call an optimum wealth fanatic. Nothing irks me more than discovering I’ve been leaving money on the table or using suboptimal structures for years. You know that sinking feeling when you realize there was a better way to protect your assets or grow your portfolio, and you just… didn’t know about it?

That’s exactly why I spent weeks diving into Locked Money’s PRO plan. Because here’s the question that keeps me up at night: Am I doing everything possible to both protect what I’ve built AND continue growing it?

Most financial products force you to choose. Asset protection tools help you maintain wealth but don’t grow it. Investment platforms help you increase wealth but leave you exposed. Locked Money caught my attention because it claims to do both.

This is a deep-dive analysis. I spent 40+ hours going through documentation, consulting with a tax attorney ($300 spent), analyzing competitor platforms, and calculating ROI across different scenarios. This isn’t a surface-level review. This is the analysis I wish existed when I first heard about Locked Money.

About This Review

Core Question: Will Locked Money help you increase or maintain your wealth?

Answer: Yes to both, IF you’re at the right asset level and want an active approach to wealth building.

Research Methodology

This review is based on:

Time Investment:

• 40+ hours of research and analysis
• 2+ weeks of observation and community engagement

Sources Analyzed:

• Complete Locked Money GitBook documentation
• All published blog posts and updates
• Full terms & conditions and legal documents
• Quickstart guides and tutorials
• Banking integration documentation
• FAQ sections and support materials
• Product roadmap and development updates
• 50+ community testimonials and user reports

Expert Consultation:

• $300 consultation with international tax attorney specializing in crypto
• Focus on SVG LLC structure and US tax implications

Comparative Analysis:

• 5 competing platforms analyzed in detail
• Cost-benefit analysis across multiple scenarios
• Feature comparison matrices
• Real-world use case modeling

Community Research:

• Active participation in Telegram community
• Analysis of user questions and team responses
• Pattern recognition in user experiences
• Support response time and quality testing

Affiliate Disclosure

This review contains affiliate links to Locked Money. If you sign up for Locked Money PRO through my link, I may earn a commission at no additional cost to you.

Why this doesn’t compromise the review:

• I researched this extensively before considering any affiliate relationship
• The commission doesn’t change based on what I say (positive or negative)
• I only recommend tools that genuinely help you build wealth
• All analysis, calculations, and conclusions are my own
• I pointed out significant cons and limitations clearly
• I told you I haven’t subscribed yet because I’m waiting to hit my asset threshold

My commitment:

I only promote products I would personally use (or plan to use, as stated above). If Locked Money doesn’t help you build wealth based on your situation, I explicitly tell you not to use it—even if that means not earning a commission.

Limitations & Disclaimers

What this review is NOT:

• Not legal advice (consult a qualified attorney)
• Not tax advice (consult a qualified CPA or tax professional)
• Not financial advice (consult a qualified financial advisor)
• Not investment advice (DYOR – Do Your Own Research)
• Not a guarantee of results (your outcomes may vary)

Important considerations:

• Crypto markets are volatile and risky
• LLCs and international structures have complex tax implications
• Past performance doesn’t guarantee future results
• Platform features may change over time
• Always consult professionals before major financial decisions

Disclosure about testing:

I extensively tested the Free Plan but have not yet subscribed to PRO Plan. My PRO Plan analysis is based on documentation, user testimonials, and expert consultation—not personal hands-on experience. I’ve been transparent about this throughout the review.

Last Updated

October 21, 2025

This review will be updated when:

• AI trading bots launch (major feature)
• Business tools are fully released
• Pricing changes significantly
• My personal experience with PRO Plan begins
• Major competitive landscape shifts

The Series LLC Structure: What It Actually Means

Here’s what kept me up at night: I had six figures in crypto spread across three hot wallets, two hardware wallets, and a Coinbase account. Every time I wanted to take profits, I had to:

1. Move crypto to an exchange (paying gas fees)
2. Sell for fiat (paying trading fees)
3. Withdraw to my bank (paying withdrawal fees)
4. Report everything for taxes (manually tracking across platforms)
5. Hope I didn’t miss any deductions

Then tax season hit, and I realized I was paying 37% capital gains on everything because it was all in my personal name. My accountant said, “You should have set up a company structure months ago.”

That’s the exact problem Locked Money PRO Plan solves.

The Core Concept

Locked Money PRO Plan transforms your crypto holdings from personal assets into a professionally structured business entity—specifically, a Series LLC—while keeping everything 100% self-custodial. You’re not handing your keys to anyone. You’re not losing control. You’re simply wrapping your assets in a legal structure that high-net-worth individuals and corporations have used for decades.

Think of it this way: Instead of you personally owning 10 ETH, your Series LLC owns 10 ETH. You control the LLC. You control the wallet. But legally and for tax purposes, it’s a business entity, not personal property.

What Makes the Series LLC Special?

Why St. Vincent & the Grenadines (SVG)?

This was a critical question I researched extensively. Here’s what I found:

Legitimate Advantages:

• No capital gains tax on crypto transactions
• No corporate income tax for offshore operations
• Strong privacy protections (legal, not shady)
• Friendly regulatory environment for digital assets
• Internationally recognized jurisdiction (not a tax haven blacklist)
• Fast company formation (days, not months)

Not Tax Evasion:

You still report and pay taxes in your home country according to your local laws. SVG structure doesn’t eliminate tax obligations—it provides a legitimate framework for optimizing them legally.

The Self-Custody Component

This is crucial: You maintain control of your private keys.

Traditional offshore structures often require you to hand custody to a third-party trustee or custodian. You lose control. Locked Money’s approach is different:

• You generate and control your wallet
• Multi-signature security (requires multiple approvals)
• Optional Asset Manager co-signing (adds oversight without losing full control)
• No single point of failure
• No third party can freeze your assets

Banking Revolution: The Real Game-Changer

I’m spending extra time on this because it’s what moved Locked Money from “interesting” to “actually valuable” in my analysis.

The Problem It Solves

Every crypto holder faces this pain:

• Want to take profits? Use an exchange (lose custody, pay fees, wait days)
• Want to buy more crypto? Wire to exchange (high fees, slow, compliance issues)
• Need fiat for expenses? Convert, withdraw, hope nothing freezes

Each step introduces:

• Custody risk (exchange controls your assets temporarily)
• Time delay (3-5 business days typical)
• Multiple fees (trading + withdrawal + sometimes wire fees)
• Compliance friction (frozen accounts, questioned transactions)

What Locked Money Banking Does Differently

Direct Integration:

Your self-custody vault connects directly to your bank account. No exchange intermediary. No temporary custody transfer.

The Process:

1. Click “Send to Bank” in your vault
2. Enter amount and destination bank
3. Approve with multi-sig
4. Money arrives same day
5. Transaction automatically logged for taxes

Reverse Process (Fiat to Crypto):

1. Click “Add Funds from Bank”
2. Enter amount
3. Approve
4. Crypto arrives in your vault same day

Transaction Capabilities

Fee Structure

• 1.5% flat fee for EEA, US, Canada, Australia
• 2.5% flat fee for other jurisdictions (working to reduce to 1.5%)
• No hidden costs: No monthly fees, no setup charges, no FX surprises
• No minimum or maximum frequency restrictions

Supported Currencies & Regions

Currencies: USD, GBP, EUR, CAD, AUD (more being added)

Full Service (On-ramp + Off-ramp):

• European Economic Area
• United States
• Australia

Off-ramp Only (Crypto → Fiat):

• Most non-sanctioned countries worldwide

Coming Soon:

• UK (very soon)
• Canada (very soon)
• Additional countries being added regularly

KYC Requirements

Banking features require Know Your Customer verification:

• Basic identity info, proof of address, bank details
• No passport required for most jurisdictions
• Processing: Minutes to hours, not weeks
• One-time process

Why This Matters for Wealth: The Math

Let’s compare with a real scenario: Converting $100,000 crypto to fiat.

The Math:

You pay $950 more with Locked Money BUT:

• Get money 3-4 days faster
• Zero custody risk
• Cleaner tax documentation
• Professional-grade reporting

For someone doing this quarterly (4x/year): $550 traditional vs $1,500 Locked Money per transaction. That’s $2,200 vs $6,000 annually in transaction costs.

When it makes sense:

• Large transaction amounts (lower percentage impact)
• Infrequent conversions (2-4x per year max)
• High value on custody and speed
• Need clean professional documentation

When traditional makes more sense:

• Frequent small conversions
• Cost-sensitive (every dollar matters)
• Comfortable with exchange custody
• Can wait 3-5 days

Who Benefits Most From This Wealth Strategy?

This is the critical section. Because whether Locked Money helps you increase or maintain your wealth depends entirely on your specific situation.

✅ This Actively Builds Your Wealth If:

⚠️ This Doesn’t Move the Needle If:

Under $20K in crypto assets: $1,200/year is 6% of your assets. That’s a significant drag on returns. Better to focus on growing your portfolio first, then add protection.

Alternative: Use free self-custody + basic tax software + focus on accumulation until you hit $20K+

You’re purely HODLing BTC/ETH with no active strategy: If you’re just buying and holding for 10+ years with no trades, no yield farming, no active management, you don’t need this yet. Simple hardware wallet + basic tax software = sufficient.

Alternative: Ledger/Trezor + CoinTracker + revisit when your strategy becomes more active

Real User Experience & My Analysis

My Research Approach

Full transparency: I didn’t personally subscribe to the PRO plan yet. Here’s why and what I did instead.

At the time of my deep dive, I was managing about $45K in crypto across multiple platforms. That’s right at the threshold where PRO makes sense, but I wanted to be absolutely certain before committing $1,200/year.

So I spent weeks doing this instead:

• 40+ hours analyzing every piece of Locked Money documentation
• Complete review of their GitBook, blog, terms & conditions
• $300 consultation with an international tax attorney specializing in crypto
• Joined their Telegram community and lurked for 2 weeks
• Analyzed 50+ user testimonials and questions
• Compared with 5 competing platforms in detail
• Built ROI calculators for different portfolio sizes
• Contacted support with technical questions (response time was impressive)

Cost of this research: $300 + 40 hours of my time

Why am I telling you this? Because I hate those fake “reviews” that are obviously just rewritten marketing copy. This is what real research looks like. These are the questions I needed answered before committing.

What Users in the Community Report

Setup & Onboarding:

• Free Plan setup takes about 15 minutes
• PRO Plan upgrade process takes 3-7 days (KYC documentation)
• Interface is clean, modern, not overwhelming
• Multi-sig setup is surprisingly user-friendly

Banking Integration Experiences:

• KYC processing: 1-2 days typically
• First transaction is nerve-wracking but works as advertised
• Same-day settlement is real, not marketing
• Transaction logging is automatic and accurate

Real example from community: User cashed out $75K for a house down payment. Initiated transfer Monday morning, money in bank Monday afternoon. Total fee: $1,125 (1.5%). His assessment: “Worth every penny for peace of mind and speed when I needed it.”

My Personal Commitment

After all this research, here’s what I’m doing:

I’m subscribing to PRO when I hit $75K in crypto assets (currently at $45K). At $75K, the $1,200 annual cost becomes 1.6% of assets—acceptable for the value provided. I’ll use the banking integration for quarterly rebalancing and the tax optimization tools to ensure clean documentation.

Why not now at $45K? Because 2.7% annual cost feels just slightly too high for my risk tolerance. But I’m actively tracking toward that $75K threshold, and when I hit it, Locked Money PRO is my next move.

This dual approach is rare. Most platforms do one or the other. Few genuinely deliver on both.

Final Verdict: Does Locked Money Increase or Maintain Your Wealth?

Here’s the bottom line after weeks of research and analysis.

Locked Money PRO delivers on BOTH promises:

The Simple Wealth Equation

This helps you build wealth if:

• You’re managing $20K+ in crypto assets
• You want BOTH protection AND growth
• $1,200/year is less than 6% of your assets
• You’re actively managing your portfolio

Math check:

If tax optimization saves you just $1,200/year (covering the cost), everything else is pure value add. For most people managing $100K+, that’s easily achievable through:

• Better cost basis tracking
• Legitimate business expense deductions
• Avoiding costly tax mistakes
• Professional-grade documentation

My Recommendation

After all this research, here’s my honest take:

Locked Money PRO is one of the few platforms that genuinely helps you both protect what you have AND grow what you’re building.

It’s not perfect. The price is high for smaller portfolios. Some key features aren’t launched yet. There’s no 10-year track record.

But for wealth-focused individuals managing $50K or more in crypto assets, it’s a rare tool that delivers on both sides of the wealth equation: protection AND growth.

Bottom line: If you’re serious about building wealth through crypto and you’re past the accumulation-only phase, Locked Money PRO deserves your serious consideration.

The question isn’t “Is this worth $1,200/year?”

The real question is: “How much is it costing me NOT to have this infrastructure in place?”

For many of us, the answer is: probably more than $1,200.