SIQO

Joint Approval Wallet SHARED CRYPTO, SHARED DECISIONS.

Crypto moves only when enough co-owners approve. Add proxies to step in when someone's away.

Download SIQOSee how approvals work

Every approval is confirmed with the approver's own passkey or PIN.

Why it matters

Shared crypto shouldn't depend on
one account.

When one person controls shared crypto, everyone else waits on them.

Without (one owner)

  • One person controls everything.
  • Others find out after the money moves.
  • If the owner is away, everyone waits.

With a SIQO Joint Approval Wallet

  • Co-owners: the SIQO users who manage the wallet together.
  • Required approvals: how many must say yes, e.g. 2 of 3.
  • Proxies (optional): backups who approve if a co-owner doesn't respond.

"Multisig" (multi-signature) means a payment needs more than one approval. SIQO calls it a Joint Approval Wallet.

How it works

Create a Joint Approval Wallet
in three steps.

Start from scratch, or convert a Personal Wallet you already use.

  1. 01

    Invite your co-owners

    Name the wallet and add the SIQO users who'll manage it with you, by username.

  2. 02

    Set the approval rule

    Choose how many co-owners must approve each payment, e.g. 2 of 3.

  3. 03

    Add backups if you like

    Proxies can approve for a co-owner who's away.

Download SIQO
Approval flow

From request to sent,
everyone stays in the loop.

Anna starts a payment from a 2 of 3 wallet she shares with Ben and Chloe.

Show:
Example

  1. Anna starts a transfer

    She confirms with her passkey or PIN. Status: Pending Joint Approval.

    50 USDT → Wallet ID ••• 4821

  2. Co-owners are notified

    Ben and Chloe see it in Joint Approval Tasks.

    Tasks · 1

  3. Co-owners approve

    Each checks the amount, recipient and network, then approves or rejects.

    ApprovedPending

  4. Rejected or expired

    Cancelled. No funds move.

  5. Activation time passes

    Chloe hasn't approved yet. Her proxies are notified.

  6. Proxy approves

    Chloe's proxy, Dan, approves on her behalf.

    Proxy for Chloe

  7. Approvals reached

    The required approvals are reached: 2 of 3.

    2 / 2 needed

  8. Funds move

    SIQO sends it and tells every co-owner.

    Transaction Executed
Proxy Vote

Someone away? Their proxy can approve.

Each co-owner can add trusted SIQO users as proxies. If a co-owner doesn't respond in time, their proxies are notified and can approve for them.

Your plan's allowance is shown in the app, with more on Business.

Read the security overview
Key capabilities

Rules you
set once.

Time-limited decisions

The wallet's creator sets the Approval Response Time, up to 7 days. Requests not approved in time are cancelled.

Convert a wallet

Turn a Personal Wallet into a Joint Approval Wallet. It's permanent; your balance moves across.

Joint Approval Tasks

One inbox for approvals, proxy requests, invites and deletion votes, with a badge so you never miss one.

Who it's for

Who uses a
Joint Approval Wallet

  • Couples and families

    Save for a home or school fees. Big payments need both partners. Example setup: 2 of 2 + proxies

  • Business partners

    Company funds no single partner can move alone, with an approval record for every transfer. Example setup: 2 of 3

  • Clubs and DAO treasuries

    Run a shared kitty with committee sign-off. A DAO is an online group that decides together. Example setup: 3 of 5

Fees and limits

What it costs,
what your plan includes.

ItemFreeBusiness
Creating a Joint Approval WalletAny fee is shown before you confirmAny fee is shown before you confirm
Wallets, co-owners and proxiesYour plan's allowance is shown in the appMore on Business
Transfer feesNo SIQO fee to SIQO users; network fee on withdrawalsNo SIQO fee to SIQO users; network fee on withdrawals
Security

Every approval is verified.

  • Each co-owner or activated proxy approves from their own account, with their own passkey or PIN.
  • Funds only go out once the required approvals are reached.
Swiss markSIQO is operated by Byte Digital AG, Switzerland.
How we protect you
FAQs

Questions about
Joint Approval Wallets

Support

Can't find what you're looking for?

Our support team can help.

  • A Joint Approval Wallet is a SIQO wallet with more than one owner. Transactions only go out after the required number of co-owners (or their proxies) approve them. In crypto this is often called a multisig, or multi-signature, wallet.

  • You decide when you create the wallet. The rule works as "m of n", for example 2 of 3. We recommend setting it at least one lower than the total number of co-owners so a payment can still go through if someone is unavailable.

  • Yes. Every co-owner and proxy must be a registered SIQO user. You can invite people to join SIQO while you set up the wallet.

  • If Proxy Vote is on, that co-owner's proxies are notified after the activation time and can approve on their behalf. If the required approvals aren't reached within the Approval Response Time (set by the wallet's creator, up to 7 days), the transaction is cancelled automatically and no funds move.

  • Activation time: how long SIQO waits before proxies can approve (shorter than the Approval Response Time, or "No limit"). Signing expiry: how long they can approve once active. Minimum proxy votes: how many must approve.

  • Yes, if it's a Personal Wallet. Your balance moves across automatically. Converting is permanent, and you'll see a summary of anything that closes before you confirm.

  • Archive it any time. To delete it, the balance must be zero and every co-owner must approve. If any funds arrive while the deletion is pending, the deletion is cancelled.

  • Only if you want them to. The co-owner who starts a transfer can choose to send it anonymously, which hides the Wallet ID and Wallet Tag from the recipient. Co-owners still see the full details.

Download the app

Get SIQO

Start your first Joint Approval Wallet.

Download SIQO, invite your co-owners and set your rules in minutes.

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