"This is the IRS. Pay today or be arrested."
$499
No agency takes gift cards. The purchase holds, a plain-language warning appears, and two chosen people are asked to verify by phone first.
GuardCircle puts a second set of eyes on the money — chosen by the owner, never imposed. Everyday spending stays effortless. New destinations, unusual amounts, and known scam patterns pause for a quick family OK — before the money leaves.
Fraud against older adults keeps breaking records — and most of it is money the owner was talked into sending. That's why watching isn't enough.
Estimated losses to fraud against older Americans every year — most of it never recovered.
When alert apps text the family, the wire has already left. The scam is noticed, documented — and complete.
GuardCircle asks first. The payment waits for a quick family OK, and the scammer's window closes.
Scams don't take money from familiar places — they invent a new destination and ask for speed. GuardCircle lets everything familiar move freely, and holds the unfamiliar for the people the owner chose.
A scammer on the phone can only ever reach the small spendable buffer — never the reserve. Putting money in is instant; taking it out takes the circle. Protection with a one-way door.
Every alert, approval, decline, and consent is sealed into a cryptographic chain. Edit or delete any entry — even an insider — and the whole record visibly breaks. Export it any time for a bank dispute, Adult Protective Services, or peace of mind.
Everyone joins by personal invitation, gets their own sign-in, and consents to alerts themselves. Nothing is imposed, nothing is shared, and every role sees exactly what the owner chose.
Spends freely every day, sets the rules, chooses the circle — and can see everything the circle sees.
First call and first text when something waits. Can approve, manage settings, and invite new allies.
Answer safety checks. High-risk holds need two of them — and never the person the money is going to.
See alerts and the record, so the whole family stays informed — without any power over the money.
No new card, no new bank, no moving day. GuardCircle wraps around the accounts the owner already has.
The owner (or a family member, together) creates the household and sends personal invites. Each person consents to alerts themselves — that consent is sealed into the record.
Read-only bank connections via Plaid — the same rails used across modern finance. GuardCircle can watch and ask; it never holds your money.
Everyday money flows like always. When something unusual tries to leave, the right people get a text or a call — before it goes, not after.
Three of the most common plays against older adults — and the moment each one hits the firewall.
No agency takes gift cards. The purchase holds, a plain-language warning appears, and two chosen people are asked to verify by phone first.
A brand-new destination plus urgency is exactly what the firewall exists for. The wire waits — and one call to the real grandchild ends it.
High-risk category, new destination, big amount: two approvers required — and the reserve was never reachable by phone in the first place.
The pilot is small on purpose — we build this with real families, not on them.
White-labeled under your brand, live in weeks, with a program dashboard that reports dollars blocked — not just noticed. Deposits stay exactly where they are: with you.
Explore the institution program →No — the opposite. GuardCircle is consent-based: the owner chooses their circle, sets the rules, and can see everything the circle sees. The family can't move money, can't log in as the owner, and can't quietly change anything — every action is attributed and sealed in the record.
No. Bank connections are read-only, family members have no access to funds, and an approver can never approve a payment addressed to themselves — that's blocked by the system and permanently recorded.
Like nothing changed. Known payees and normal amounts flow instantly. The firewall only appears where scams actually live: new destinations, unusual amounts, and known scam patterns like gift cards, wires, and crypto "safety" transfers.
GuardCircle is built for that quiet risk too: separate logins for every person, two-approver rules for high-risk moves, a cooling-off period for new approvers, a self-dealing block, and a tamper-evident record that shows exactly who did what — and breaks visibly if anyone tries to rewrite it.
Founding families shape the product and keep founding pricing for life. One unhurried evening to set up; a lifetime of "we caught it in time."