How it works
Seal turns your savings into a locked envelope — with a date, a commitment, and an optional group. Here's exactly how it works.
Give your goal a name — "Miami Trip", "New MacBook", "Emergency Fund". Set a target amount and pick your unlock date. That date is your commitment.
You can create as many envelopes as you want. Each one is independent, with its own goal, date, and balance.
Connect your bank via ACH and deposit any amount. Once sealed, funds are locked until your chosen date. You can add more any time — the seal just keeps growing.
On-time unsealing (at or after your goal date) is always $0. The seal only costs money if you break it early.
Solo envelopes are just for you. Or create a Group Pact — invite up to 4 friends, each contributes their own share to a shared envelope.
Group Pacts require a vote to unseal early. 48-hour window, majority approval. No vote = no approval.
When your goal date arrives, unseal for free. The money transfers back via ACH — typically 1–3 business days.
If you need money before the date, you can unseal early. A 3.5% Commitment Fee applies (tier-capped, max $150). It's deducted from your payout.
Yes — solo envelopes can be unsealed partially or fully. Group Pacts are full-unseal only in v1.
ACH deposits and withdrawals typically take 1–3 business days.
Seal is a fintech company. We plan to hold funds with regulated financial partners and will disclose custody details before deposits are enabled.
Try the interactive demo — no bank connection, no real money. Takes ~60 seconds.