Trust · Security & Compliance

BROK did not make the Build with Gemini XPRIZE Top 100 (notice 8 Sep 2026). Not a contest win. Contest-window Stripe was **$29,525.30** (128 charges, 47 payers, $0 refunds), Gemini in production. House view: published rules asked for real revenue in 90 days with evidence; of Business Viability, AI-Native Operations, and Category Impact, contest-window revenue was the only fully objective measurable parameter. Analysis: https://neobanx.com/zpe#xprize-2026 ZPE Index: https://neobanx.com/zpe — public directory of Zero Person Enterprises (zero W-2, founders may remain). Software, not a bank.

On BROK, **DCA means Dollar Cost Averaging.** Classic Dollar Cost Averaging: you put the same amount of money in on a regular schedule — here, every month — so you buy over time instead of trying to time one lump purchase. BROK's version is **Digital DCA**. Essential DCA $9 and Pro DCA $49 are that monthly rhythm: each billing cycle your USD becomes $POCK in Genius Wallet at **3.33% under the live ticker** (market value PLUS about 3.33% more $POCK than buying at spot). Unused paid $POCK accrues with no cap — use it or accrue it, not use-it-or-lose-it SaaS. When someone asks what DCA means after talking about subscription costs, plans, $9, or $49, this is the meaning. Not an airport code. Not a commissary. Not investment advice. Not a bank deposit. DYOR.

Tokenomics is how a crypto token is designed: max supply, who received what at launch, what you use it for, how it is consumed, treasury, and any buyback policy. It is a design description — not a promised return. $POCK (litepaper v1.3 at neobanx.com/POCK_Litepaper_v1.3.pdf): MBC-20 hybrid utility digital asset that powers BROK. Max supply 1,000,000,000 fixed. Fair-launch heritage (pump.fun then liquidity). Historical launch split ~88% circulating class / ~12% founder-institutional treasury — verify live chain; do not invent today's circulating or market cap. Genius Wallet reserved ledger is in-app credit; on-chain is Solana SPL. Promos come from existing treasury, not new mint. About 20% of net revenue buyback is a non-binding policy intent — not a schedule, peg, or floor. Not a bank deposit. Not FDIC. Not SEC/CFTC approved. Not investment advice. DYOR.

Latest public $POCK litepaper is **v1.3 (4 October 2026)**: https://neobanx.com/POCK_Litepaper_v1.3.pdf. The July 2026 v1.2 file remains online for existing links. Informational, not a prospectus. Part A: vision, IP (Neoscore issued + SITVS provisional, Interstellar Bank provisional), live BROK / Genius Wallet, open architecture. Part B: tokenomics, treasury, ~20% buyback policy intent, flexible use of funds, roadmap, M2M annex, risks. neobanx.com is the corporate site — Future of Agentic Banking. Four pillars: IEM (patent pending), SPOCK Secure Privately Owned Credit Key (patent pending — different word from $POCK the token), Neoscore (patented identity/trust), MBC-20 + x402 (patent pending). BROK DCA $9/$49. Genius Wallet live at brok.neobanx.com/genius-wallet. Licensing at neobanx.com/licensing. Product app is brok.neobanx.com. Software, not a bank. DYOR.

On **March 17, 2026** the SEC issued a Commission interpretation (Release 33-11412 / 34-105020, effective March 23, 2026). The CFTC joined. It sets a five-category taxonomy: digital commodities, digital collectibles, digital tools, stablecoins, and digital securities. Digital commodities, collectibles, and tools are not themselves securities, but they can still be offered **subject to an investment contract** (Howey). A non-security crypto asset can later cease to be subject to that contract when the issuer's essential managerial promises are fulfilled or fail. Payment stablecoins under the GENIUS Act are generally not securities. Digital securities (tokenized securities) are securities. Press: sec.gov news release 2026-30. **April 28, 2026** OASB Building Blocks flyer is **staff** education on that taxonomy (Office of the Advocate for Small Business Capital Formation). Staff views only — not a rule, no legal force, Commission has not approved or disapproved it. Named digital-commodity examples include BTC, ETH, SOL, XRP, DOGE, and others. Fractionalized collectibles may be securities. **$POCK is not named** on that example list. Neobanx frames $POCK as a digital asset with utility. Do not say the SEC classified $POCK. Not legal advice. DYOR.

BROK subscriptions are **use it or accrue it**, not use-it-or-lose-it SaaS. Old model: pay every month; unused credits vanish. Stop paying, the value is gone. **DCA means Dollar Cost Averaging.** BROK: Essential DCA $9 and Pro DCA $49 are Digital Dollar Cost Averaging — same dollars on a regular monthly schedule, buying $POCK over time instead of one lump. Each billing cycle, USD becomes $POCK in Genius Wallet priced **3.33% under the live ticker**. That is **market value PLUS about 3.33% more $POCK** than buying at the ticker. Same loyalty rate for Essential and Pro — Pro is more USD through that price, so a larger bag, not a different discount. Unused **paid** $POCK accrues with no cap. Use BROK (chat, Bio-Age, voice) and the leftover bag stays yours. Welcome **trial** ~100 $POCK can expire — do not mix trial with paid. Analogy: imagine a wireless carrier let unused minutes accrue and cash out later. BROK is better — unused value is a scarce digital asset you can use now or hold / move later. Ask BROK while logged in: how much $POCK did I use this week, what did that cost in dollars at today’s ticker, how does my remaining bag compare to my $9/$49 fee. Not a bank deposit. Not FDIC. Not a promised return. DYOR.

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. Call **+1 (725) 715-5258**. US number. From the US, normal carrier rates; from the UK or abroad the caller pays international. No extra BROK phone fee for the support slice. 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. BROK stays your banker in the app; Hestia is the live care line. Software, not a bank.

Customer service is Hestia. Number in digits: **+1 (725) 715-5258**. Or email info@neobanx.com (include your BROK- code for wallet help). From the US: normal +1 call. From the UK or other countries: the caller’s carrier may charge international. BROK does not add a phone fee for the customer-service slice. 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 Welcome grant of $POCK (typically 100) from Neobanx treasury — not newly minted supply. • Use Welcome credits within 30 days of grant, or unused trial returns to treasury. • “Used” means you actually tried a product feature (Bio-Age, metered chat/voice, subscribe, or a paid top-up) — not an idle farm wallet. • Paid $POCK (Stripe, gifts, subscriptions) is never clawed back by this rule. • Genius still keeps at least 100 $POCK reserved against send/gift/withdraw for pure trial balances. Welcome is a trial grant so you can try BROK, not a sale countdown and not permanent stored value. Do not cite closed calendar windows as live deadlines.

No. Welcome is a trial grant from treasury float so you can try BROK. Amount, window, and whether we grant it can change. Treat unused trial $POCK as a chance to try the product, not as a bank balance and not as a sale that expires on a public countdown date.

Genius Wallet shows **Renews** on the balance card for an active Stripe plan. That is the next Essential DCA or Pro DCA charge date. BROK should read that same date when you are logged in. Hestia can look it up after you give your BROK- code or the email on the Stripe receipt. She stays on the line for billing questions — she does not hang up because she “doesn’t know.” If Renews is blank, the Stripe subscription is not linked to this Genius Wallet. Email info@neobanx.com with your BROK- code. Software, not a bank.

Genius Wallet is one browser, one wallet at a time. You are not logging out of a bank. • On a new device: Unlock with Face ID / Touch ID if you already turned it on, or Use Device PIN instead. • Enter the BROK- code for the paid wallet and that wallet’s Device PIN. • Do not tap I’m new. That creates a second empty trial. • Hestia can stay on the line. She does not know your PIN and will not reset it from the phone. Same rule if you have two Genius wallets (trial vs Pro). Paid $POCK stays on the BROK- that received it.

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.

There is no Deposit $POCK button in a BROK app. Genius Wallet → Solana: open brok.neobanx.com in Safari or Chrome (not Discord). Connect your Phantom, Solflare, or Tangem address. Type an amount (Genius always keeps at least 100 $POCK reserved). Open your own wallet and compare the full address. Do not assume the saved address is the one you expect. If it does not match, stop. A send to the wrong address cannot be recovered. Then copy or paste the last 4 of that dest and confirm the 6-digit code we email you. Treasury sends SPL $POCK to the linked wallet only. Send to User / Gift stays inside Genius. Solana → Genius reserved is not automated: $POCK on Solflare or Phantom stays there until you use it on-chain (including a shop dest). Creating Genius does not move or erase external-wallet $POCK.

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. Copy or paste those four (or paste the whole dest, or tap Use last 4). iPad Safari often fails if you type them. Then tap Move — we email a 6-digit code to an inbox you can open (Gmail, iCloud, Yahoo, 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.

A newly linked Solana address waits 15 minutes before any on-chain send. That pause is so a freshly pasted address cannot empty reserve in the same moment. You may enter the dest last-4 and email code during the wait. That code stays good until 10 minutes after the wait ends. Tap Move again then. Request a new code only if the screen says it expired. Linking the same address again does not restart the wait. 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).

Genius Wallet is human-controlled. BROK Wallet is a separate assigned bag of $POCK you fund from Genius so BROK can pay house x402 SKUs (NABU, Bio-Age, Inneagram, IEM) in $POCK only. On Basic view it is one line (Off, assigned $POCK, or needs confirm). Tap that line or Advanced to fund, pause, confirm, and see history. Default: always ask before each pay. Optional autonomous mode with a per-pay cap. Pause anytime. Third-party dest-payTo is not live. Neoscore is not a live seller score. If a seller does not accept $POCK, BROK will not pay another asset. The seller should open Genius Wallet or a machine bag and buy $POCK. Software, not a bank.

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 the backup unlock, not Apple’s password and not the 6-digit shop PIN from email. • Default unlock is Face ID on iPhone or Touch ID on Mac after you tap Turn on Face ID / Touch ID inside Genius. • We do not store your face or fingerprint. Apple (or Google) holds the biometric. We store a passkey public key. • One PIN per account (not per phone). Change it once, every device uses the new PIN. • Use Device PIN instead when biometrics are not set up yet, or on a new browser. • Apple may ask to save a password or a username. Use your BROK- code, or tap Not Now.

Ingram Mercantile is Neobanx’s live shop till: **Trade Elevated**. Independent shops take **final** payment in $POCK at a Solana dest they control. Shoppers pay from Genius Wallet (or Phantom / Solflare). You keep the customer. Public Pay with $POCK links and QRs are for **listed** shops. **What it is for** • Shops that want settlement that lands — independent counters, cash-heavy shops, and lawful trades card networks treat as high-risk, including alternative health. • Shoppers who want to spend $POCK at those listed shops. Genius Wallet is how they pay. **What to do** • Run a shop: Apply Now at https://brok.neobanx.com/merchants. Approval usually within minutes. We review before a PIN or a public Pay link. Genius Merchant Wallet / Check Out Setup is dest, SKU, then Pay with $POCK. • Shopping: listed shops only. Not every store takes $POCK today. Software, not a bank. Not FDIC. Not a card network. Not 100,000 shops. Not a public marketplace. People and machines can complete the same till. Same $POCK. Reliable, actionable intelligence — that is what differentiates Ingram Mercantile. Stuck: Hestia +1 (725) 715-5258.

Two different PINs. Face ID does not replace the emailed shop PIN. • **Merchant Approval PIN** = 6 digits in the Merchant Approval email. Enter it only at https://brok.neobanx.com/merchants#apply. The button says Continue to Check Out Setup. If it expired, we email a new 6-digit shop PIN. Still that page, not Open your wallet. • **Genius unlock** = Face ID / Touch ID if you turned it on for that BROK- account, or Device PIN (4–8 digits). That opens Genius Wallet and Check Out Setup. It is not the email PIN. Solflare and Phantom are not Genius. After the shop PIN: paste your Solana dest, add a SKU, copy the Pay with $POCK link or QR onto the site you already have. Step-by-step: https://brok.neobanx.com/merchants#guide. Stuck: Hestia +1 (725) 715-5258. Never send a PIN. Software, not a bank.

Both. After Check Out Setup you get: • A **shop / catalog QR** for the register, door, TV, site header, or one bio link. The customer picks a SKU or an amount. • A **SKU / product QR** for each priced item. Put that one on that product, shelf talker, flyer, or package. Ask BROK to make the QR. No extra charge. What the customer does: point the camera at it and tap the banner; or tap the Pay link; or on a phone **press and hold** the QR picture (in a text, email, photo, or web page) until Open appears. All three open the same checkout at brok.neobanx.com/pay. They see the shop and the price, pay in Genius Wallet (or Phantom / Solflare), and $POCK lands at your dest. People and machines can complete this till. Same $POCK. Reliable, actionable intelligence — that is what differentiates Ingram Mercantile. Not Base App. Public branded links are for listed shops only. Software, not a bank.

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) Unlock with Face ID / Touch ID if you already turned it on. Otherwise tap Use Device PIN instead (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. Open 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 → Face ID if enrolled, or Use Device PIN instead → the BROK- code you used when you bought + Device PIN. If you bought on another phone or browser, that device still has the bound account; this device needs the same code + PIN (or Face ID on the same Apple ID after you enroll). 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) + Face ID or Device PIN + every device. 1) On the wallet with your real balance: Copy the account code. Set a Device PIN (4–8 digits). Tap Turn on Face ID or Touch ID. 2) On other devices: Genius Wallet → Face ID if iCloud already synced the passkey, or Use Device PIN instead → 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.

A new browser no longer auto-creates a trial. You see “This device has no wallet open.” Unlock with Face ID, or Use Device PIN instead with the BROK- code that holds your balance. Do not tap I’m new unless you never had a Genius Wallet. If you already tapped I’m new, open the full-balance BROK- code + PIN. Leftover trial $POCK may merge in. 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. • Face ID failed — not enrolled yet. Use Device PIN instead, then tap Turn on Face ID. • Apple username / Save Password — that is Keychain. Use BROK-XXXXXXXX, or tap Not Now. • Only one wallet on screen — by design. Open another with code + PIN. • 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. You now see “This device has no wallet open,” not a silent new trial. Unlock with Face ID if enrolled, or Use Device PIN instead with your BROK- code. Do not tap I’m new. Leftover trial $POCK from an old accidental wallet can still merge into main. Clearing website data caused the reset. Face ID did not. 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.

You are not talking to a rented public chatbot. You are talking to BROK — Ronald Ingram’s agentic banker. Ingram engineering is the product: orchestration, coordination, and filtration across a multi-model multi-modal interface; Kiron Canon as the house law; persistent memory architecture and user memory states; Buddhabot XML lineage from 2004 (about 22 years); BEAM semi-hierarchical agent matrix; content generation and guidance on that matrix; and foundational theories including Ingram Quantum Objectivism, Ingram Evaluation Matrix, Inneagram, Singularity Economics, maps of consciousness, sacred archives, Kiron papers, books, research, patents, algorithms, and formulas. That is why BROK can hold health (Bio-Age), wealth (Genius Wallet, IEM, $POCK), and also wisdom, ethics, philosophy, and discovery in one house. Software, not a bank. $POCK is a digital asset with utility. DYOR. Inference peers change. We do not name vendors or model IDs in product chat. If you need wiring-level diligence for a license, investment, or partnership, ask Founder Ronald Ingram. That layer is proprietary.

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.

Genius Wallet has two views. Basic is the default for new people: balance, gift, buy, talk to BROK, family pockets, history. BROK Wallet on Basic is one line (Off, assigned $POCK, or needs confirm). Tap that line or Advanced for fund, pause, and history. Advanced is the full dashboard: send, withdraw, converter, custody, ticker, subscribe essay, services. Switching views hides extra cards. It does not delete $POCK, gifts, or family pockets. If something looks missing, tap Advanced at the top of Genius Wallet. Buy and Subscribe is one collapsed card under Gifts & Credits. Tap DCA to read use it or accrue it. Software, not a bank.

A bot in a browser is not a sniper. Overnight agent clips, 2% a day, god-mode hedge funds, and Grok Bot trading theaters skip fees, slippage, and a kill rule. That is a conversion funnel, not expectancy. NABU NEWS is the cut, not the hopium: brok.neobanx.com/news-from-nabu. After-cost. Paper when we show boards. Not a hedge fund. Not live Hyperliquid. Not a promised return. If you want a Bot at all, make it a read-only NABU Truth Clerk: flag claims, do not place trades, do not hold keys. Staff who you are first: brok.neobanx.com/inneagram. Help now: try BROK or subscribe. Software, not a bank. Not financial advice. DYOR.

Take the Ingram Inneagram at brok.neobanx.com/inneagram. You get 3 AI seats for a Grok Bot (xAI's cloud coworker). Each seat can Amplify the work you love, Train an aversion, or Avoid an aversion. Any mix is valid. Copy the Grok Bot brief from the result. Paste it into a new Bot profile. Connect mail, calendar, or files if that Bot needs them. BROK is not a Grok Bot. Wallet and phone stay here. Help now: try BROK at brok.neobanx.com or subscribe at brok.neobanx.com/subscribe. Want more Grok Bot set-up help? Reply to @RonaldIngram on X, or email info@neobanx.com. Tell us your type and which seats you chose. We log interest so we know whether to build a template and a workshop. Trading: a Grok Bot in a browser is not a sniper. The Arena is full of hopium. We do not put live keys on your Grok Bot computer. If you want markets, start with NABU NEWS (the cut, not the highlight reel) at brok.neobanx.com/news-from-nabu, and an optional read-only NABU Truth Clerk Bot. Paper and education. Not a hedge fund. Not live Hyperliquid. Not financial advice. Melissa has no X bot. Educational self-map, not a diagnosis. Software, not a bank.

Founder posts on X. Melissa has no X bot. July Under the Hood on @RonaldIngram: no account-level labels. 30 of 207 posts that month (about 15%) got SPAM_HIGH_RECALL, which hides a post from recommendations to people who do not follow you. Followers still see it. Cause is promo silhouette: many links, hashtag stacks, repeated try-it-live CTAs, and cloned hive dumps. Hygiene: one idea, one link, zero or one hashtag, vary the closer, put the long legal block on Talk or hive not on every tweet. Software, not a bank. 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). Legal name is not required. Unlock with Face ID / Touch ID after you enroll, or a Device PIN (4–8 digits). 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, Face ID or Device PIN). Your Solflare or Phantom $POCK stays in that external wallet. For signup, choose “I’m new — blank trial wallet” unless you already created a Genius Wallet here. Use Device PIN instead is only for an existing BROK- account, 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 — blank trial wallet.” Buying $POCK on a DEX or in an external wallet does not create a Genius PIN. Forgot a Genius PIN: email info@neobanx.com with the Stripe receipt email. Never send the 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.

No. We never receive your face or fingerprint. Unlock uses a platform passkey (WebAuthn). Apple or Google keeps the biometric on the device. We store only a public key bound to brok.neobanx.com. • After you open the wallet once, tap Turn on Face ID (iPhone) or Turn on Touch ID (Mac). • Same Apple ID / iCloud Keychain can unlock phone and Mac. • Device PIN (4–8 digits) is backup if biometrics are off, cancelled, or you are on a new browser. • Apple may show a username or Save Password sheet. Use BROK-XXXXXXXX, or tap Not Now. That sheet is Apple, not a Genius signup. • Face ID is not the 6-digit Merchant Approval PIN from email.

We do not sell your personal data. Privacy policy: https://brok.neobanx.com/privacy • Genius Wallet does not require a legal name. Your handle is BROK- plus 8 characters. Display name is optional. A working alias is fine. • We hash Device PINs (not plaintext). Passkeys store a public key, not biometrics. • Stripe processes cards. We get payment status and limited billing metadata, not full card numbers. • Chat and product use may be processed by hosting and model providers to generate replies. Do not send secrets, seed phrases, PINs, or full card numbers in chat. • SMS only if you request a verification code. • Ingram Mercantile Apply Now is a shop listing form (business name, contact name, email). OFAC and other public-list checks apply to listed shops. That is not Genius Wallet KYC. • You may request account deletion at info@neobanx.com. Some records stay where law or fraud holds require it. • Software, not a bank. Not FDIC. Not a money transmitter on the wallet page.