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Getting started
Get an invite, sign in with a passkey or email, and set up your first week with Floatless.
On this page
This page takes you from the waitlist to a working Floatless account. It covers getting access, how each way of signing in treats your keys, where things live in the app, and five things to set up in your first week.
Get access
Floatless isn't in the App Store or Google Play yet. It's in private testing. Join the waitlist at https://floatless.xyz/#join with your email, and you'll get an email when your invite is ready.
You need to be at least 18, or the age of majority where you live, to use Floatless. The Terms have the details.
Open the app and sign in
The first time you open Floatless, you'll see three short intro screens. Tap Skip, or move through them with the arrow button, to reach the welcome screen. Once you've seen the intro, the app skips it and opens on the welcome screen.
New to Floatless? Tap Get started. Already have an account? Tap I already have an account, and your phone signs you in with your passkey right away. On a phone that has signed in before, the welcome screen says "Welcome back" and leads with Sign in, with Create a new account and Sign in with email below it.
How you sign in decides who can sign for your wallet. A passkey and an email account are separate accounts with separate wallets, even if the passkey is saved under the same email address.
| Passkey | ||
|---|---|---|
| How you sign in | Your phone's passkey, confirmed with your screen lock, like Face ID or a fingerprint | A 6-digit code sent to your email |
| Where the wallet key is | Made on your phone from your passkey each time you sign, then wiped | Held by Privy as an embedded wallet that the Floatless API creates for you |
| Who signs a payment | Your phone, after you confirm with your passkey | The Floatless API, through Privy, after you confirm in the app |
| On a new phone | You need the same passkey on that phone | Sign in with the same email |
With a passkey
New to Floatless? Tap Get started. The screen asks "What should we call you?" Type your name into Your name and tap Create account. When your phone offers to save a passkey for floatless.xyz, confirm with Face ID or your fingerprint. The passkey is named with your name, and Floatless saves the name to your account. Already have an account? Tap I already have an account on the welcome screen, or Sign in with your passkey on the sign-up screen. Your phone makes your wallet from the passkey, and the app proves to Floatless that you control it by signing a one-time message.
- Your wallet key is made on your phone whenever you sign, and wiped from memory right after. Floatless's servers never receive it.
- Create account always makes a new passkey, which means a new, empty wallet. On a phone that has signed in before, Welcome leads with Sign in, and Create a new account is there only if you want a second wallet. The old passkey stays in your password manager.
- Sign in with your passkey is for an account you already have. It never creates a new wallet. If the phone has no Floatless passkey, the app says "No Floatless passkey on this phone yet. Tap Create account to make one." If iOS shows a QR code for a passkey on another device, that's only for a passkey you already have on another phone.
- Floatless doesn't show a seed phrase and has no recovery feature yet. If the passkey is deleted, Floatless can't rebuild your wallet.
- Your phone needs a passkey provider that can create this kind of account. The app suggests iCloud Keychain on iOS 18 or later, or Google Password Manager on Android. If yours can't, turn on iCloud Keychain or Google Password Manager in Settings and try again.
- A passkey sign-in lasts up to an hour. When it runs out, the app takes you back to sign-in, and you confirm your passkey again.
With email
Type your email and tap Continue. Enter the 6-digit code from your inbox and tap Verify & Sign In. If the code doesn't arrive, tap Resend code.
- The first time you sign in, the Floatless API creates a Privy embedded wallet for your account.
- When you confirm a payment or another action, the app asks the Floatless API to sign it, and the API signs through Privy. The key isn't on your phone, so you're trusting Floatless's servers and Privy with signing for this wallet.
- The API signs only what the app builds for this wallet: a stablecoin payment, an approval to the savings vault or SafeLock, a call to one of those or to the spending-rules registry, and your spending rules. It refuses anything else, such as a raw hash, a message, a token permit or a call to another contract.
- If you lose your phone, sign in on a new one with the same email to reach the same wallet.
Keys and security goes deeper on both.
Your wallet is set up for you
With a passkey, your wallet exists as soon as your phone makes it from the passkey. With email, you'll see Finishing your setup for a moment while the API creates your wallet. If it takes a while, tap Try again.
Then Home opens. Your wallet starts empty and has no spending rules, and Floatless declines payments until you set rules. Your wallet address is in Add money, so that's where you go to receive money.
Find your way around
The tab bar at the bottom has three tabs: Home, Save and Activity. Your profile opens from the round avatar at the top of each tab. It shows your profile picture, or your initials until you add one.
| Where | What you'll find |
|---|---|
| Home | A greeting with your name, or Add your name, which opens a form. An eye button hides or shows your balances. Your Wallet balance sits under it, and it becomes Total balance once you have money in savings. Then come the Add money, Send and Save buttons, a Get set up checklist until you finish it, a Savings card, up to three Savings goals with progress bars, and your last five entries under Recent activity. Tap the balance to open Your dollars, or press and hold it to hide it. Tap an activity row for its details. There are no push notifications yet. |
| Save | The Floatless Savings card, with Add to savings and Withdraw on mainnet, and Your goals with New goal |
| Activity | Your payments, savings moves, new goals and rule changes, grouped by day, with a search box and the All, Money in, Money out, Savings and Goals & rules filters |
| Profile | Opens from your avatar. Your profile picture, which you tap to choose or remove (up to 2 MB), your name, which you tap to edit, your wallet address with Copy, QR code and Explorer, Spending rules under Payments, passkey and recovery details under Security, Help and legal, and Log out |
Card and Apple Pay aren't in the app yet because Floatless is waiting on a card issuer partner, so Home has no card button. Bank transfers aren't available yet either, and Add money says so.
Your first week
Start with MON, because registering rules, sending and moving savings all need it. The Get set up checklist on Home covers the first three steps below, plus Add your name, and ticks each one off as you finish it.
- Get MON for network fees. Every transaction on Monad pays a small fee in MON, and Floatless doesn't pay it for you or hand out MON. Send a little MON to your wallet address from another wallet or an exchange that supports Monad. On testnet, get test MON from a Monad testnet faucet.
- Add money. On Home, tap Add money. The sheet shows your address as a QR code and written in groups of four, with Copy address and Share address. Have digital dollars sent there. On mainnet, What you can send lists USDC, USDT0 and AUSD. Add money covers each way in.
- Set your spending rules. Tap your avatar, then Spending rules under Payments. Fill in Each payment up to, Each day up to and Always keep at least, pick your Currencies you can send, and choose how long the Rules last for: 30, 90 or 180 days. Tap Review rules, then Approve and register. With a passkey, your phone asks you to confirm twice. When the app shows Your rules are on, try a small payment with Send to see the checks run. Spending rules explains each limit.
- Create a goal. In Save, tap New goal, or Create a goal if you have none yet. Fill in the Name, Target and Keep protected (optional), pick the currency, which starts as AUSD, and tap Create goal. From then on, Floatless won't let a payment in that currency leave you with less of it than your goals' protected amounts add up to. The protected amount can't be higher than the target. Savings goals has more.
- Try Floatless Savings on mainnet. In Save, tap Add to savings, enter an amount of AUSD and tap Move to savings. A deposit usually takes two transactions: an approval that lets the vault take that exact amount, then the deposit itself. Tap Withdraw to bring AUSD back to your wallet, up to what Morpho can pay out right now. If your wallet has no AUSD yet, Add to savings stays off and the card offers Add AUSD to your wallet. On testnet, the card shows a Preview of what your AUSD would earn on mainnet instead. Floatless Savings covers the rate, the risks and who controls the vault.