Own it.Immutable.Enforce.Rules.

Tell your account it may pay only Priya and Halden Exchange. From then on it refuses every other destination, no matter who holds the key.

Oier Finance pairs a wallet with an assistant that writes your instructions down as logic. Before a new instruction takes effect, it is tested against the ones already in place.

Get early accessWatch a transfer get checked
Any key signsyours or a thief'sRule set under testR1to ∈ {Priya, Halden}R2spent(24h) + amount ≤ 2000R3amount > 4000 → cosignedSettles$400 to PriyaRefusedat R1A signature asks. The rule set answers.
How a transfer is checked against a rule set

Plain sentences in, enforced rules out

Every section below ends with sample instructions. Click one and the account panel drafts it, shows the resulting logic, and tests it against the rules you already have. The panel only drafts; real enforcement happens in your account contract.

Security

Whoever signs, the rules still answer

In an ordinary wallet, a signature is the whole decision. In Oier a signature only asks. The account then compares the request with your rules, so a phishing page or someone holding your seed phrase gets exactly as far as your rules let anyone get.

Privacy

Prove the rule, keep the account to yourself

Sometimes another party needs to know your account follows a rule, such as holding a minimum reserve. The plan is to let them verify that single fact and nothing else: no identity, no balance, no history.

The token

$OIER: a payment that remembers its conditions

$OIER is the native currency of the rule system. A sender can attach limits that stay with the funds: a spending pace, the kinds of purchase allowed, a date when leftovers return, a date when the money expires.
ContractPublished at launch

No contract exists yet, so the address field shows “Published at launch” and copying is switched off. Read the token page

Recovery

Room to change your mind

Banks have long offered two safety nets that wallets lack: undoing a payment sent by mistake, and getting back in after losing access. In Oier you configure both yourself, ahead of time.

Recurring money

Set the routine once

Salary splits, allowances, standing payments and a daily ceiling are decisions you make once, on a good day. After that the account carries them out and refuses anything that breaks them, until you edit the rule.

DeFi

Your limits come with you into every protocol

Interacting with a lending market or an exchange normally means granting it broad permissions. With Oier the boundary lives in your account: which assets may leave, how much at a time, and to which venues.

Everyday

Small rules for real households

Most of what families want is modest. A daily limit for a teenager. No payments at three in the morning. A grandparent who cannot be pressured into wiring money to a stranger.

Agent accounts

Software that spends on an allowance

When an AI agent pays for things on your behalf, it gets a budget and a list of permitted payees instead of your keys. If it misbehaves, the damage is capped by the budget, and deleting its rule switches it off.

Incoming money

Screen the strings attached to what you receive

A payment sent to you may carry its own conditions. Oier compares those conditions with your rules first, and money you would not want, such as funds the sender can pull back, can be turned away automatically.

Your account

Guest draft in this browser · 0 rules

Open studio

Click a sample instruction or type one below. It is drafted, tested against your current rules, and only added if nothing conflicts.

Active rules

None yet. With no rules, every transfer passes.

Test a transfer

$250 to Priya: settles

Safety nets without a custodian

With a bank
You get limits and reversals, but the bank holds the funds and writes the terms.
With a smart contract
You keep the funds, but you inherit code that nobody checked against your other commitments.
With Oier Finance
You keep the funds and get the safety nets as rules: delays, co-signers, caps. Each one is tested against the rest before it starts, and it binds every key that touches the account.

That cross-checking, together with rules that guard their own amendment, is the core of the design.

Inside the engine

  • Personal account

    Pays nobody outside its payee list

    to ∈ approved

  • Mum's account

    Can only send money to Ana and Leo

    to ∈ {Ana, Leo}

  • Kid's account

    $15 a day; a parent signs to raise it

    spent(24h) + amount ≤ 15

Locks on the locks

Whoever can edit a safeguard can switch it off. Oier lets you guard the settings too: one rule names the limit, a second says what it takes to alter the first, and a third can make the second permanent.

  1. R1The rule

    Pays only Ana and Leo.

    to ∈ {Ana, Leo}

  2. R2Who can change R1

    3 approvals, 30 days' notice.

    amend(R1) → approvals ≥ 3 ∧ notice ≥ 30d

    governs R1

  3. R3What locks R2

    R2 can never be removed.

    amend(R2) → ⊥

    governs R2

To weaken R1, someone first has to clear R2, and R3 forbids removing R2. Every step is visible to the people it names. Try it in the studio: a request to remove R1 waits in a queue, and a request to remove R2 is rejected.

Try a chain in the studio

Ready when your account is

We are opening accounts on Robinhood Chain a few at a time. Put your name down and draft your first rules today.

Get early accessOpen the Rule Studio