Two-thirds of U.S. deposits belong to people 55 and older — and elder scams take billions a year, mostly by talking owners into sending the money themselves. GuardCircle is the consent-based approval layer that holds the payment on your rails, under your brand, until the family says yes. Not another alert. A stop.
The elder-safety category is full of monitoring apps. They all share one structural limit: by the time the text message arrives, the wire already left. And the tools that can block spending only work on their own prepaid card — pulling deposits out of your institution to do it.
AI watches transactions and texts a trusted contact after the fact. View-only by design — the market leader states plainly it "can never access funds or move money." The scam is observed, documented, and complete.
Real spending controls — but only on their own prepaid card, at their program bank. Your member's balances migrate off your core to get protected. The safer they get, the less of the relationship you keep.
New destinations, big amounts, and known scam patterns pause for a quick family OK — with the deposits staying exactly where they are: at your institution. Everyday spending never feels the friction.
GuardCircle runs under your name — "First Harbor, protected by GuardCircle" — in the app, on every invite, and in every SMS and voice alert a family member receives. Three generations of one household, all touching your brand at the moment it matters most.
When a guardian declines a payment, the destination is fingerprinted into a platform-wide registry. The next family asked to pay that destination — at any participating institution — gets an automatic two-approver hold with a plain-language warning. Scammers reuse payout destinations; your members inherit every other institution's refusals.
Privacy by construction: only a SHA-256 fingerprint crosses tenant lines. Never the payee name, never the family, never the amount, never your data.
Start with zero core work; deepen when the program proves itself.
We know what your third-party risk process needs, because we built the product around the same question your examiners ask: can you prove it?
Encryption in transit and at rest, per-member credentials (never shared logins), HttpOnly sessions, role enforcement on every endpoint, and a SOC 2 roadmap scoped for the pilot. Documented subprocessors: Plaid, Twilio, cloud hosting.
GLBA-aligned data flows, explicit member consent for every connection and every SMS, no marketing use of member data, and clean exit terms — your members' data returns to you, not to a data broker.
The tamper-evident audit chain isn't a feature bullet — it's the product's spine. Consent, approvals, declines, and case referrals are cryptographically sealed per household and independently verifiable.
"The institutions that keep the family's trust will keep the family's deposits — for three generations."
We're selecting a small number of design-partner banks and credit unions for a 6-month pilot: white-labeled, sponsor-pays, free to your members, with success metrics agreed up front — enrollment, blocked-dollar value, and deposit retention among enrolled households.