Your keys, your money
What protects your money, and what the honest limits of that protection are.
The strongest protection is structural
Most card security is about protecting a balance someone else holds for you. Willow's is different in kind: there is no pooled balance to breach, because your money never leaves your wallet until you spend it. A compromise of Willow does not give anyone access to your funds, because Willow does not hold them.
Willow cannot freeze, lend, or move your balance. It is not ours to move. It sits in your wallet until you spend it.
Scoped authorizations
Scoped
It can move funds only to settle purchases you initiate. Nothing else, nowhere else.
Capped
It can never exceed the limits you set, per purchase and overall.
Revocable
Switch it off any time, in a single transaction. It is visible and auditable onchain.
What Willow can never do
- Spend without a purchase you initiated
- Exceed the limits you set
- Hold, lend, or restake your balance
- Freeze your wallet or move funds you did not authorize
- Stop you revoking access
Card data
Card issuance and card data handling run through a certified flow operated by our regulated card issuing partner, meeting the payment industry's standard for handling card credentials.
What we will never do
- We will never DM you first.
- We will never ask you to verify your wallet.
- We will never ask for your seed phrase or private keys. Nobody legitimate ever will.
- We will never ask you to move funds to a Willow address to unlock anything.
The honest limits
Self custody moves risk rather than removing it. If you lose access to your wallet, Willow cannot restore it, because Willow never had it. That is the trade that comes with holding your own money, and it is worth understanding before you start.
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