Pure math. No marketing. Every formula below is open-source — read it, copy it, stress-test it against your own threat model. The defaults are conservative (industry baseline, capped at the value at risk).
Sum of balances protected by SMS-2FA — bank, brokerage, crypto, payroll.
FBI IC3 baseline is ~0.018 (1.8%). Public figures / founders: 0.05–0.12.
Industry median: 18h. Best case (push notification + carrier alert): 2h. Worst case (out of pocket on a weekend): 72h.
Bank/brokerage average: 40h of phone calls, affidavits, fraud-claims. Crypto: 60h+ if you ever get it back.
No magic. Every number above flows from these four lines. Tune the constants against your own threat model.
The Free Gate tier is free, permanently, and you do not need a credit card to start. The Free Gate is $0 forever. No credit card is required.. Paying for a higher tier buys more volume and more leverage — it never unlocks a capability we were holding back.