Trust · Security & Compliance
How Genius Wallet works today, where BROK is headed, and how we think about risk, privacy, and self-sovereignty.
BROK in every pocket — for individuals, freelancers, creators, traders, and all economic entities.
BROK in every pocket
Neobanx is building BROK in every pocket — for individuals, freelancers, creators, traders, and all economic entities, from a solo operator to the largest institutions. Our north star is a global agentic banking layer: self-sovereignty first, assets privately owned, with strong cryptographic and contractual protections — not a century of government overreach dressed up as "compliance for your own good."
Today — Genius Wallet (test & top-ups)
You're buying prepaid service credit ($POCK) to use BROK — bio-age, voice, avatar, intelligence tools. Card payments run through Stripe (issuer + network fraud checks). Balances sit in a reserved ledger you control; family sub-wallets are named pockets you fund and reclaim — not separate anonymous bank accounts. This MVP is intentionally low-friction so real people can test real flows.
Tomorrow — the full vision
Bitcoin and on-chain settlement, numbered accounts in the Swiss tradition (privacy by design, not secrecy for crime), and rule frameworks we're advocating in special jurisdictions — including the Vegas Banking Zone (VBZ), maritime law, and space law — that restore lawful financial privacy and roll back BIS-style banking globalization. Larger entities and larger flows will carry more security — multisig, limits, audit, dispute resolution — while we still fight to keep KYC minimal for law-abiding self-sovereign holders.
If you're wary
Good. Banks trained us to equate safety with paperwork. We equate safety with ownership, transparency, and enforceable rules — and we're honest that today's test wallet is not tomorrow's sovereign treasury. Start small, verify the ledger, ask hard questions. That's how we build something worthy of every pocket.
$POCK as a digital asset
$POCK is a digital asset under guidance published by the SEC and CFTC — including the March 17, 2026 digital-asset framework and the April 28, 2026 staff memo. Genius Wallet top-ups and transfers are structured as digital-asset / prepaid-service-credit flows, not bank deposits or money-transmitter remittances. Values can fluctuate; quotes may be delayed. This is not investment advice.
$POCK Stars — maximum self-custody
For the highest level of security, $POCK Stars are advised to use an air-gapped hardware wallet and store seed phrases in a safe place — offline, redundant, and known only to you. Properly held private keys can outperform traditional custody in crises: natural disasters, political upheaval, and systemic banking stress. Reserved Genius Wallet balances are convenient; cold self-custody is sovereignty.
Keep enough $POCK for your uses
Keep enough $POCK in Genius Wallet to cover your next uses — bio-age calculations (~1 $POCK each), voice/avatar metering, and any overage beyond your subscription pool. If your balance hits zero, paid features pause until you top up.
Reserved $POCK · USD display
Genius Wallet balances are fully reserved in $POCK on-chain — your token count is fixed in the ledger. The USD value shown can rise or fall with the $POCK market, in sync with balances held in other Solana wallets. You hold $POCK, not a dollar deposit.
Frequently asked questions
How much $POCK should I keep in Genius Wallet?+
Keep enough $POCK in Genius Wallet to cover your next uses — bio-age calculations (~1 $POCK each), voice/avatar metering, and any overage beyond your subscription pool. If your balance hits zero, paid features pause until you top up. Subscribers get a monthly included pool (Essential ~30, Pro ~120); anything beyond that debits your wallet. We recommend keeping a buffer — e.g. 10–20 $POCK for casual testing, more if you use voice, avatar, or frequent calcs.
Why does my USD value change when my $POCK balance stays the same?+
Genius Wallet balances are fully reserved in $POCK on-chain — your token count is fixed in the ledger. The USD value shown can rise or fall with the $POCK market, in sync with balances held in other Solana wallets. You hold $POCK, not a dollar deposit.
What does “reserved” mean — is my $POCK real?+
Yes. Reserved means Neobanx holds your $POCK allocation in the Genius Wallet ledger backed by on-chain treasury reserves — you see a fixed $POCK balance immediately after Stripe confirms payment. It is prepaid service credit / digital asset custody, not a bank deposit. Connect a Solana wallet on Genius Wallet, then tap Move reserved $POCK on-chain to receive SPL tokens in Phantom or Solflare. Tokens then trade on Jupiter/DexScreener like any wallet-held $POCK.
Where is my transaction history and card top-up?+
Genius Wallet shows full transaction history (trial credit, Stripe top-ups, custody moves) synced from Supabase on every page load. After a card purchase, your balance and a stripe_credit ledger row appear when Stripe marks the session paid — usually seconds for cards. If history looks empty, tap Refresh on the history panel; the app reconciles Stripe payments against your ledger automatically.
How do I move $POCK between Genius Wallet and my Solana wallet?+
Genius Wallet → Solana: connect your wallet, enter an amount (or Max), then Move $POCK on-chain — partial transfers supported. Send to any Solana address via Withdraw or the optional different-wallet field in Custody. Neobanx treasury sends SPL $POCK; check Phantom and DexScreener. Send to User / Gift = reserved ledger inside BROK (SMS claim). Solana → Genius reserved is not automated yet.
Is Genius Wallet a bank account?+
No. Card payments run through Stripe; you receive prepaid $POCK service credits under SEC/CFTC digital-asset guidance (March 17 & April 28, 2026 frameworks). There is no FDIC insurance, no demand deposit, and no money-transmitter remittance framing — it is utility credit for BROK services.
Should I buy $POCK with a card or on Solana?+
Card top-ups lock a delayed market quote at checkout (~15 min feed) and credit reserved $POCK instantly when Stripe confirms — convenient, no wallet needed. On-chain (Phantom, Solflare, Jupiter) gives live market price and immediate self-custody. In volatile markets, on-chain may track price more closely; card is simpler for family testing and gifts.
Can I give family members their own wallets?+
Yes — create named family sub-wallets under your Genius Wallet. You fund and reclaim $POCK; they spend within the balance you allocate. Sub-wallets are controlled pockets, not separate anonymous accounts. For gifts to adults, use Gift $POCK (link + password).
What happens if I run out of $POCK during a calculation?+
The calc will not complete — you need at least 1 $POCK (or an active subscription pool) before starting. Top up at /topup or /genius-wallet#buy-pock. Subscribers debit included monthly $POCK first, then wallet balance.
I'm skeptical — how should I test safely?+
Good instinct. Start with a small top-up, verify your ledger balance and transaction history, read /trust, and ask BROK hard questions. Today's Genius Wallet is an MVP for real flows — not tomorrow's sovereign treasury. Ownership, transparency, and enforceable rules are the design goal.
What are $POCK Stars and cold storage?+
For maximum self-custody, hold $POCK on an air-gapped hardware wallet with seed phrases stored offline and redundantly. Reserved Genius Wallet balances are convenient; cold self-custody is sovereignty — especially under political or banking stress.
Why do I have multiple BROK accounts or can't link my wallet?+
Each browser/device creates its own BROK account automatically (device sign-in). Your card purchase and Solana wallet may be on a different account than the one you're viewing now. Use Restore your main account on Genius Wallet — prove ownership with your Stripe checkout session ID (cs_live_…) or reveal password — to bind this device to your main account. Linking a wallet already on another account shows wallet already linked until you restore the correct account.
How do I reach BROK or Neobanx support?+
Email info@neobanx.com (BROK inbox when configured). In-app: ask BROK on /chat or /avatar — answers draw from Kiron Canon and corrected FAQs. For on-chain wallet setup, send your Solana public key only — never share seed phrases.
How do I get the latest BROK version on my phone or browser?+
BROK ships continuously — your browser may cache an older build. Hard refresh: iPhone Safari → pull down to refresh, or Settings → Safari → Clear History (last hour) if stuck; Android Chrome → ⋮ menu → Refresh, or pull down; Desktop → Ctrl+Shift+R (Windows) or Cmd+Shift+R (Mac). For Genius Wallet history, tap Refresh on the transaction panel after updating. Always use https://brok.neobanx.com as the canonical URL.
Can I save a PDF of my Bio-Age, Inneagram, or IEM report on my phone?+
Yes. After results appear, tap Download Report (HTML file) or Print / Save PDF. Download saves to your phone's Downloads/Files folder — on iPhone, open Files → Downloads; on Android, Files or Downloads app. Print / Save PDF opens the system print sheet: choose Save as PDF (Android), Share → Save to Files (iPhone), or AirPrint. We generate print-ready HTML locally in your browser — no server copy of your health data. Bio-Age, Ingram Inneagram, and IEM reports all support these buttons.
This is not a money transfer. $POCK is a digital asset under SEC and CFTC guidance (March 17, 2026 framework; April 28, 2026 staff memo). Trust FAQ.
This page is product and policy transparency — not legal, tax, or investment advice. Neobanx Software, Inc. · Nevada.