Your money stays yours

Self-custody, session keys, and what “non-custodial” actually means for you day to day.

You hold your own money

With most cards, you hand your money to the issuer and trust them to hold it. Willow works the other way around. Your funds stay in your own wallet, in your own custody, from the moment you fund it to the moment you spend. Willow never takes possession of your balance.

How the card draws funds

When you tap, an authorization on your own smart account releases exactly the amount needed for that purchase, and nothing more. This is done through ERC-4337 session authorizations: a standard, auditable mechanism that lets you grant tightly-scoped spending permission without ever handing over the keys to your wallet.

• You approve the terms once, when you set the card up.
• Each purchase draws only what that purchase costs.
• The rest of your balance stays untouched, in your wallet, earning.
• You can revoke the permission at any time.

What this means day to day

In practice you never think about any of it. You tap, it works, and the money that wasn't spent keeps earning. The self-custody isn't a feature you have to manage, it's the default, running underneath.

Wallet support

Willow works with any Robinhood Chain wallet, and supports standard connection methods so you can use the wallet you already have.