Trust · Security & Compliance

We do not issue debit cards, prepaid cards, credit cards, or bank accounts today. BROK is software, not a bank. $POCK in Genius Wallet is a digital asset with utility — not a card, not FDIC, not a deposit. If you want something we don't ship yet: say yes to the waitlist and give a name + email (phone is fine if that's all you have). Tell us the product in your words (e.g. prepaid debit card). We store it for Atlas in CRM under waitlist and follow up when that rail is real. On a call, Hestia logs it the same way. Do not send card numbers. Not financial advice. DYOR.

When VCs ask “what’s your go-to-market?” they mean: who is the buyer, how do they find you, why they convert, what it costs to acquire them, and how that motion scales without heroics. They are not asking for a slogan. NeoBanx / BROK GTM (honest, current): 1) Product-led door — brok.neobanx.com: free trial $POCK + Genius Wallet so people can touch chat, Bio-Age, and Inneagram before they pay. Convert to Essential ($9) / Pro ($49) software subscriptions via Stripe. Software, not a bank. 2) Founder-led distribution — $POCK Talk, Tech Alley, X/YouTube/LinkedIn, built-in-public. Ronald is the wedge; BROK is the always-on closer. 3) Sharing is Caring — gifts, invites, GIR-style loops. Growth is care + utility, not a paid sales army. 4) Always-on lightweight paid — small X ads to subscribe; Meta parked when rails fail. Disclose CAC even if tiny. 5) Owned media — newsletters / News from Nabu. Compounding, not one-off blasts. 6) Adjacent channels (pipeline, not booked revenue) — media/affiliate live where engaged; broadcast and enterprise under discussion or NDA; family-office pilots only when contracted. Best VC answer in one breath: We sell software access to an AI personal banker. We acquire through a free product trial plus founder media and gift loops, convert on Stripe subscriptions, and expand via tools that raise self-knowledge and healthspan literacy — not by pretending we are a bank or a paid acquisition machine. Not financial advice. DYOR.

Think of BROK as a genius private banker in your pocket. Like Bitcoin on supply: hard-capped / limited supply — but much cheaper per coin today (not “cheap forever,” just relative price). You’ve heard of meme coins. A lot of them are mostly fun — little product use. $POCK keeps some fun, but it’s built around real utility: it powers BROK. You spend it to run the system; you can also buy, hold, or move it like other crypto. What it’s not: not stock, not a security, not insured, not a bank deposit. Best simple label right now: a digital asset — with real usefulness. Not financial advice. DYOR.

I’m BROK — your point person and switchboard for day-to-day use. The BEAM deck (agent cards, human supporters, hybrids) is for insight, education, and training for keeners — people who want to understand how Neobanx’s Zero Person Enterprise thinks. It is not required for everyday product utility. You can chat with me, use Genius Wallet / $POCK, Bio-Age, Inneagram, and IEM without learning the deck. Why a pantheon at all? On purpose. Humans already map meaning through pantheons, personality types, and archetypes — hardwired into consciousness and experience. We use that architecture so complex C-functions (intelligence, forge, community, care, integrity) stay legible. You may invoke a seat by name (e.g. Nabu for intelligence/dossiers, Mercury for community, Mars-Forge for platform, Hestia for care, Sentinel for fraud integrity). That is a routing request for that specialty lens — not a separate login. I stay your banker; specialist work is routed. Founder retains judgment, capital, and legal accountability. Community can co-create cards; canonical seats are those Founder adopts. Not financial advice. DYOR.

Hestia is BROK customer care on the phone. Speak her name Hestia — Hestie is earned, not the open. She helps with Genius Wallet, Device PIN, where is my email, getting you back into brok.neobanx.com, and staying on the line while you confirm an on-chain send in the app (last 4 of dest + email code). She does not release $POCK from the phone. Call +1 (725) 715-5258. BROK stays your banker in the app; Hestia is the live care line. Software, not a bank.

Customer service is Hestia. Call +1 (725) 715-5258 or email info@neobanx.com (include your BROK- code for wallet help). She handles Genius Wallet, Device PIN reset, restore, Stripe, and staying on the line while you click — including dest last-4 + email confirm for on-chain $POCK. She does not press send from the call. The customer-service resolution slice is free for everyone, including stay-while-you-wait (open the email, set the PIN, confirm dest, finish checkout). After the support slice, longer conversation uses the same voice rate as BROK in the app: 4 $POCK per 10 seconds. Pro (and POCK OG) may stay for a longer talk — she will not rush you off. Metered talk spends the monthly included pool first (Pro 120 $POCK/mo, about five minutes of talk), then wallet $POCK. Never send a seed phrase, card number, or Device PIN in email or chat.

Buddhabot is BROK’s older brother — Ronald’s 2004 AIML philosophical companion (public July 24, 2004; Shaw TV trail). Not a bank product. Core teachings are the Ten Neocommandments: (1) There are no laws only provisional theories (2) Every perception is a reflection of yourself (3) Everything is meaningful but nothing is important (4) Accept responsibility for what is (5) Everything is as it should be right here right now (6) Whatever you resist will persist (7) Every belief is true (8) Every belief is false (9) Every belief is true and false (10) Every belief is neither true nor false. Imaginistics is the study of perception, imagination, and reality (craft school around that era). BROK attributes Buddhabot’s voice separately, then may add present-day clarity. Grokipedia: https://grokipedia.com/page/Ronald_Ingram

From Buddhabot (AIML religion file + Founder FAQ) — quote exactly: 1. There are no laws only provisional theories 2. Every perception is a reflection of yourself 3. Everything is meaningful but nothing is important 4. Accept responsibility for what is 5. Everything is as it should be right here right now 6. Whatever you resist will persist 7. Every belief is true 8. Every belief is false 9. Every belief is true and false 10. Every belief is neither true nor false BROK may add practical notes after quoting; never renumber or rewrite the list.

Imaginistics is the study of the relationship between perception, imagination, and reality (Buddhabot/Ronald AIML era). Also described as study of principles that supercede and precede the material universe; principles linked to qabalah and quantum physics in the old training path. An Imagineer is a student of Imaginistics; Imaginician/Imaginist are practitioner labels. Historical “International Institute of Imaginistics” = creative/metaphysics framing around Buddhabot — not a bank. BROK attributes this to the Buddhabot era, then may add present-day clarity.

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.

New Genius Wallet users may receive a limited Welcome grant of $POCK (typically 100) funded from Neobanx corporate treasury — not newly minted supply. Policy (from 2026-07-23): • New Welcome credits: use within 30 days of grant, or unused free trial balance returns to Neobanx treasury (use-or-lose). • Existing unused Welcome balances already in wallets as of the policy announce: 10 days from 2026-07-23 (through end of 2026-08-02 Pacific) to engage BROK; then unused free trial returns to treasury. • “Used” means you actually tried product features (e.g. a Bio-Age calc, metered chat/voice, subscription, or paid top-up) — not bot farming idle wallets. • Paid $POCK (Stripe, gifts from others, subscriptions) is not clawed back by this rule. • Genius Wallet still keeps ≥100 $POCK reserved against send/gift/withdraw for pure trial balances (anti-siphon). • The Welcome trial program is a limited-time offer and may be modified or terminated without notice. Tip: open chat or run a Bio-Age calc soon if you still have unused Welcome $POCK.

No. Welcome trial credits are a promotional, limited-time program funded by Neobanx treasury float. Neobanx may change the amount, pause grants, shorten the use window, or end the program without notice. Always treat free trial $POCK as a chance to try BROK — not as permanent stored value.

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.

Convert $POCK ↔ USD in Genius Wallet with the live quote converter (same market rate as the price ticker). Formula: USD ≈ $POCK × live_rate; $POCK ≈ USD ÷ live_rate. Ask BROK any amount (e.g. “what is 5000 $POCK in USD?”) and it uses the live rate. Not a dollar deposit; estimates move with the market. Not financial advice.

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.

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.

Genius Wallet → Solana: open brok.neobanx.com in Safari or Chrome (not Discord). Connect your Phantom or Solflare address. Type an amount (Genius always keeps at least 100 $POCK reserved). Type the last 4 characters of that dest address, then confirm the 6-digit code we email you. Neobanx treasury sends SPL $POCK to the linked wallet only — not a different address you paste at send time. Check Phantom and DexScreener. Send to User / Gift stays inside Genius (reserved ledger). Solana → Genius reserved is not automated yet.

Genius Wallet is growing, so extra caution is warranted before $POCK leaves reserve. Dest last-4 proves you are looking at the linked Solana address. Then tap Move — we email a 6-digit code to an inbox you can open (Gmail, iCloud, etc.). Genius device-login addresses like users.brok.app are not real mailboxes; type a real email if we ask. Enter the code, tap Move again. Hestia can stay on the phone while you tap; she does not release the transfer from the call.

No. Use Safari or Chrome at https://brok.neobanx.com — not Discord’s in-app browser, Instagram, or similar. In-app browsers hide the real site and make wallet connects unsafe. Hestia: +1 (725) 715-5258 if you need a walkthrough.

New wallet plus a large send in the same moment is blocked for 15 minutes. That pause is so a freshly pasted address cannot empty reserve immediately. After the wait: dest last-4 + email code, then send. In-app BROK spend is unchanged during the wait.

No. Card payments run through Stripe; you receive $POCK as an investible digital asset with utility for BROK services. There is no FDIC insurance, no demand deposit, and no money-transmitter remittance framing. Not a security offering, not legal tender. Not financial advice. DYOR.

Card top-ups lock a near real-time market quote at checkout (DEX feed refreshed every few seconds) 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. Card is simpler for family testing and gifts; on-chain for pure market settlement.

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 (one private link).

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.

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.

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.

A Device PIN is 4–8 digits that protect one Genius Wallet account. It is not your Apple password, Face ID, or iCloud Keychain login. • One PIN per account (not per phone). • Change it once on any device → every device uses the new PIN. • Use it only with Switch account to open that wallet. • Set or change PIN under the account code (Set PIN / Change PIN). Digits only — no biometrics required.

Your purchase almost never “vanishes.” Card buys credit a Genius Wallet on brok.neobanx.com — not Solflare, Phantom, or your email inbox. 1) Open https://brok.neobanx.com/genius-wallet 2) Choose “I already have a Genius Wallet” (not “I’m new”). 3) Enter your BROK-XXXXXXXX code + Device PIN (4–8 digits). 4) Optional: phone browser → Share → Add to Home Screen so you always reopen the same place. If you only see a small trial balance, you are on a temporary new browser wallet — Switch account to the BROK- code where you paid. Do not create a second “I’m new” wallet to fix this; that makes two accounts. Forgot PIN or lost the code? Email info@neobanx.com with the email on your Stripe receipt (never send seed phrases or your PIN). Staff can match the payment to your wallet and guide restore. Solflare/Phantom $POCK is separate self-custody. Genius Wallet balance is what powers BROK chat and tools.

Stripe payment succeeded for a Genius Wallet user id at checkout. The credit is on that account’s ledger (reserved custody), not automatically in Solflare. Open Genius Wallet → I already have a Genius Wallet → the BROK- code you used when you bought + Device PIN. If you bought on another phone/browser, that device still has the bound account; this device needs Switch account with the same code + PIN. Still stuck: email info@neobanx.com with receipt email or Stripe receipt — never your PIN. Support looks up the payment intent / checkout session and the brok_user balance. Do not buy again only to “find” funds.

Simple model: one account code (BROK-XXXXXXXX) + one Device PIN + every device. 1) On the wallet with your real balance: Copy the account code → Set PIN (4–8 digits). 2) On other devices: Genius Wallet → Switch account → paste that code + PIN → Open. Each browser shows one wallet at a time. Opening the right account binds this device and can merge leftover trial $POCK into it. Family sub-wallets are allowances inside that parent account, not separate logins.

Each new browser can open a temporary trial wallet. Your purchases stay on the account where you paid — money is not deleted. Fix: Switch account → enter the full-balance BROK- code + that account’s Device PIN. Leftover trial balance may merge in (e.g. two wallets combine into one total). After that, phone and Mac should match.

• Account not found — use BROK- code only (Copy button), no spaces, not a Stripe receipt. • Wrong PIN — use the PIN for the account you are opening; one account → one PIN on all devices. • Only one wallet on screen — by design; use Switch account to open another. • Apple Password popup — Device PIN is digits only, not your Apple password; hard-refresh if an old form still appears. • Forgot PIN — email info@neobanx.com with your BROK- code only (never seed phrases or your PIN). • Family pockets — under Genius family sub-wallets on the parent account.

When you open your main account from a temporary trial wallet, leftover $POCK on that trial can merge into the main balance. The new total should match main + what was on the temporary wallet (ledger shows a merge / transfer). Transaction history follows the main account. Extra trial merges during beta are fine to keep as a tester reward.

Not a system-wide wipe. Genius Wallet remembers which account this browser is on using site storage (and a cookie). iPhone Safari can clear that after security/privacy changes, “Clear History and Website Data,” Lockdown Mode, or some iOS updates — so the phone looks like a brand-new visitor and gets a temporary +100 $POCK trial. Mac still has its storage, so it stays on the real account. Fix: Switch account → your BROK- code + Device PIN. Leftover trial $POCK merges into main. Re-enable Face ID / biometrics for phone security if you want — that does not cause the reset; clearing website data does. This only hits browsers that lost site data for brok.neobanx.com — not every iPhone automatically.

Email info@neobanx.com. In-app: ask BROK on /chat or /avatar. Include your BROK- account code for wallet help. Never send seed phrases, full card numbers, or your Device PIN. Official help is only through the app and that inbox — ignore anyone on social media claiming they can reset your wallet for a fee.

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.

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.

StartUpNV is Nevada’s statewide startup accelerator and incubator — a 501(c)(3) nonprofit that helps entrepreneurs go from idea through beta to a revenue-producing, capitalized company. Hubs in Las Vegas and Reno, plus rural reach via SBDC partners, make it a genuine statewide engine. Seed and early-stage paths deserve praise: SeedVegas, FundNV (pre-seed checks for accelerator companies), AngelNV founder training with angel investment opportunities, and the broader Nevada capital stack (affiliated funds/syndicates including 1864.Fund) give founders mentorship, community, and capital — not just free pizza. BROK is proud to support Nevada founders and workshop days hosted with this ecosystem. Details evolve; prefer startupnv.org for current programs.

Maggie Saling is Chief of Operations / senior operations leadership at StartUpNV — a driving force behind day-to-day program delivery, communications, founder education, and statewide support. Public listings often pair her with Jeff Saling (frequently cited as Executive Director). In workshop settings she is widely known as a warm, practical connector for Nevada’s founder community. Confirm current titles on startupnv.org.

Cara O’Hare is Vice President of Operations at StartUpNV. A certified PMP with deep program leadership experience, she builds and runs the programs that connect entrepreneurs to funding, mentorship, and resources — including federal-funding education, Seed/accelerator delivery, and ecosystem events across Nevada. Confirm current titles on startupnv.org.

On /chat or /avatar, tap Business Canvas. Answer ~15 short workshop questions (customer, problem, value, channels, revenue, costs, partners, metrics). When finished, Download HTML or Print → Save as PDF (landscape, backgrounds on). No voice/avatar $POCK burn for the canvas itself. Great for StartUpNV / Nevada founder workshop demos.

Every company Ronald Ingram founded is built on five core values: (1) Privacy, (2) Security, (3) Self-Sovereignty — free thought, speech, market, choice, right to try, pursuit of life, liberty, and happiness, (4) Innovation — be the solution and the change you want to see, (5) Community — think global, act local; be curious, bold, authentic; hand-up not hand-out. Foundation: raw self-sovereignty. BROK is your sovereign agentic banker; $POCK is prepaid utility fuel, not a bank deposit. Not financial advice. DYOR.

A Genius Wallet account is prepaid $POCK service credit on Neobanx for BROK tools and peer $POCKING — not a bank account, not FDIC-insured, not a deposit. Your shareable handle looks like BROK- plus 8 characters (e.g. BROK-A1B2C3D4). A Device PIN is 4–8 digits, one PIN per account across devices, used for Switch account — not your Apple password. Hybrid custody: reserved ledger for convenience; optional on-chain self-custody when you choose. Seed phrases stay with you.

No. Solflare and Phantom are external Solana wallets. Genius Wallet is the account you create on brok.neobanx.com (BROK- code + optional Device PIN). Your Solflare or Phantom $POCK stays in that external wallet. For signup, choose “I’m new — start free trial” unless you already created a Genius Wallet here. “I already have a Genius Wallet” is only for an existing BROK- account with a Device PIN — not for Solflare or Phantom.

That path is only for an existing Genius Wallet: BROK- account code + Device PIN (4–8 digits). Solflare, Phantom, and other Solana wallets do not use that PIN. If you never created a Genius Wallet on brok.neobanx.com, go back and choose “I’m new — start free trial.” Buying $POCK on a DEX or in an external wallet does not create a Genius PIN.

No. Your Solflare or Phantom balance stays where it is. Genius Wallet has its own balance — new customers may receive a limited Welcome grant of $POCK there (separate from external-wallet holdings). Later you can move Genius $POCK on-chain to the Solana address you link (last 4 of dest + email code). Original external tokens do not move unless you transfer them yourself.