Picture this

Who it is for

Lena earns in euros in Lisbon and her partner Kofi earns in dollars. Two Pocket Home holds both, tags each bill with its currency, and converts at a locked quote only when a bill is due.

Two ways to own it

What you get

Base$149

$37 deposit to reserve

Shared wallet, USDC and EURC pockets, bill tags, convert on due, monthly summary.

You choose: accent color
You choose: bill categories

Customfrom $1,100

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Multi currency fintech accounts exist (Wise). A shared onchain household budget across USDC and EURC was not found.

Closest things out there

Wise multi currency accounts; Splitwise.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Two currencies, one home, no surprise fees.

The Regatta Board

Races it can enter

hackathon · Circle · upcoming

Arc / Circle developer programs and hackathons

unknown

Official page ↗

Ecosystem program for shipped apps; check current terms.

Their rule on existing code: unknown

What you own

The whole app, not a starter kit.

The complete Two Pocket Home app: a shared household wallet on Arc that keeps euros and dollars in their own pockets, tags every bill with its currency and converts only the gap when a bill is due, with plans and USDC checkout built in.

Base price · $149

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: keep both currencies, tag every bill, convert only the gap.

Progress and next actionHome

Rules, March, bills paid and Sunday, with one clear next step.

Pocket balances and bill boardHome

Live euro and dollar balances, this month's bills and recent activity.

Two pocket wallet with top upsPockets

EURC and USDC pockets in one two signer wallet on Arc, with top ups from either partner.

Signed rule cardPockets

Contribution split, conversion policy and ask threshold, signed by both; any change clears signatures.

Third currency pocketPockets

A GBP pocket with its own rules. Gated behind Family.

Convert on due at a locked quoteBills

Week by week: each bill paid from its pocket, only the euro gap converted at a locked quote.

Ask both above a thresholdBills

Big conversions wait for both partners to approve or wait for a new quote.

Bill taggingBills

Add bills with a currency tag, amount and due week; free plan covers up to 8 a month.

Duplicate bill detectionBills

Second copies with the same reference inside the match window are held. Gated behind Home Plus.

Sunday look and streakSunday

Check next week's three bills together, sign off, keep a shared streak, share card after.

Onchain receiptsReceipts

Rule card, each conversion with its quote and each bill payment, with what stays offchain.

Monthly summary and exportReceipts

Fees here versus a bank spread; PDF export gated behind Home Plus.

Plans, USDC checkout and pauseMe

Pricing screen with the owner's tiers, shared USDC checkout, pause the agent, permissions and vision.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

Subscriptions, FX margin, payouts, incoming USDC payments, payment methods and live tier editing.

Owner rules and FX quotesQuotes

Duplicate window, round trip block, gas sponsoring, quote venue, quote window and margin.

Agent log and roadmapAgent

What the pocket agent did and how it adapted, running costs, and priced roadmap requests.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Growth loops and referralsGrowth

Second signer invites, community nights, cohorts and a home to home referral code.

The money path, built in

How it earns for you

Free homes for the core pockets, paid Home Plus and Family subscriptions in USDC, plus a small FX margin the owner sets and every home sees before converting.

HomeFreeTwo pockets, up to 8 bills a month, convert on due, Sunday look, receipts

Home Plus$4 a monthUnlimited bills, duplicate detection, monthly summary export

Family$9 a monthEverything in Home Plus, up to 5 members and a third currency pocket

Owner margin on conversions, default 0.05% on top of a 0.10% venue spread, shown before every quote. Arc gas can be sponsored.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Second signer invite: every home brings two people
Share card after the Sunday sign off
Expat community nights onboarding couples together
Home to home referral code with a free month of Home Plus
Monthly fee summary forwarded to friends

Roadmap · build the next phase with us

Where it goes next

v1 included

The full household app

Two signer wallet with EURC and USDC pockets
Signed rule card and ask threshold
Bill tags, convert on due at locked quotes
Sunday look, receipts and monthly summary
Pricing screen with USDC checkout

Included

Remittance and bank bills

Pay relatives abroad straight from the right pocket
Off ramp partner for IBAN only landlords
Bill capture by photo and email forward
Shared summary PDF for accountants

Add-on from $400

More pockets, more homes

Third and fourth currency pockets as regulated stablecoins arrive
Households of up to 5 members with roles
Shared bills across two countries
Partner API for relocation firms and employers

Add-on from $900

For investors and grant reviewers

The pitch, ready

A shared household wallet that budgets in dollars and euros and converts only when a bill needs it.

Problem: Homes that earn in two currencies lose money twice: bank spreads on every conversion, and converting whole paychecks out of habit when bills only need part of it.

Solution: Two stablecoin pockets in one two signer wallet on Arc, every bill tagged with its currency, and an agent that converts only the shortfall at a locked quote on the due date, asking both partners above a threshold.

Why now: EURC and USDC both live on Arc with gas paid in USDC, so a household can hold both and convert in seconds for a fraction of a bank spread.

Market: Mixed currency couples, expat families, remote workers paid in dollars and remittance households across Europe, Africa and the Americas.

The ask: Back the v2 remittance and bank bill build and an expat community pilot in Lisbon.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: meet Lena and Kofi, rent of €1,150 due Friday
Pockets: pick split and policy, both sign the rule card
Bills: run March week by week, approve the €534 rent gap at a locked quote
Bills: drop the duplicate EDP invoice, see the Home Plus gate
Receipts: what is onchain and what stays home, fees versus a bank
Sunday: check next week's bills, sign off, share card
Owner Revenue: edit the paywall and watch Plans change, see USDC payments
Owner Quotes and Roadmap: set the margin, request the v2 build

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom work covers new currency pockets, partner off ramps, bank or accounting exports, branding and copy, scoped on a call from $1,100.

Custom from $1,100

BLUEPRINT

Why it matters and how it really works

The need

Couples and households that earn in two currencies lose money twice: banks charge a spread on every conversion, and people convert whole paychecks at once out of habit, moving far more than their bills in the other currency actually need. Shared budgeting apps track who owes what but do not hold or move the money.

What exists and what is new

Multi currency accounts already exist and do this well offchain: Wise holds balances in many currencies and converts at low fees, and Splitwise tracks shared household costs. What we did not find is a shared onchain household wallet that holds USDC and EURC side by side, tags each bill with its currency, and converts only the shortfall at a locked quote when a bill is due, under rules both partners sign. Research verdict: medium novelty; the building blocks exist, the household rules layer on Arc is the new part.

The data it runs on

Two pocket balances (USDC and EURC) in one shared wallet on Arc, the signed rule card (contribution split, conversion policy, ask threshold), each bill's currency tag, amount, reference and due date, each locked quote and conversion, and each bill payment. Bill PDFs, names and landlord bank details stay on the partners' phones or with the off ramp partner.

1.The mission

Let a home that lives in two currencies keep both, and convert only what a bill actually needs.

2.Why people can't resist it

Two pockets you can see Euros and dollars sit side by side, so nobody wonders where the money went or which currency paid for what.

No surprise fees Every conversion shows its locked quote and fee before it happens, and big ones ask both of you first.

The Sunday look Ten minutes over coffee: three bills next week, tag anything new, sign off together. A shared streak keeps it a habit.

3.How it works for real

Shared wallet: Privy embedded wallets for both partners, controlling a two signer household wallet on Arc. Gas on Arc is paid in USDC, so nobody needs a separate gas token.

Pockets: USDC and EURC (both issued by Circle) held as separate balances in the same wallet, each partner contributing by the split they signed.

Bill tags: Bills are added by photo, email forward or manually, tagged EUR or USD, and matched by reference, amount and a 25 day window to catch duplicates.

Convert on due: When a tagged bill is due and its pocket is short, the agent requests a locked quote for exactly the gap from an onchain FX venue or Circle's FX service on Arc, and converts within the quote window.

Pay out: Bills to stablecoin addresses are paid directly. Bills to bank accounts go through an off ramp partner that shows its fee before the rule is signed.

Summary: An indexer over the wallet powers the Sunday look, monthly summary and receipts.

4.Cost per use and pricing

Arc transactions cost under a cent in USDC. Example swap cost of about 0.15% including quote spread, so converting $450 a month costs under a dollar; off ramp to a bank for rent is typically 0.3% to 1% depending on partner and country. Hosting and indexing roughly $10 to $20 a month for a few hundred households. Compared with a typical 2.5% bank spread on a full paycheck, most of the saving comes from not converting money that never needed converting.

Home Free

Two pockets, up to 8 bills a month, convert on due.

Home Plus $4 a month

Unlimited bills, duplicate detection, ask thresholds, monthly summary export.

Family $9 a month

More than two members, a third currency pocket when available, and remittance bills to relatives abroad.

5.Growth loop

Mixed currency couples, expat families and remote workers know others in the same situation. The share card states the rule plainly, convert only when a bill needs it, and the monthly summary shows the fee comparison they forward to friends.

6.Risks and guardrails

Rates move both ways: Converting on the due date is sometimes worse than converting on payday. The app never claims to beat the market and shows both outcomes.

Duplicate or fake bills: A second invoice can be paid twice. Bills are matched by reference, amount and window, and copies are held for both partners to confirm.

Stablecoin and issuer risk: USDC and EURC depend on their issuer and reserves. The app explains this plainly and never holds more than the household chooses to keep.

Off ramp fees and limits: Paying bank bills needs a partner with its own fees, limits and KYC. Fees are shown before signing; availability varies by country.

Shared money disagreements: Two signers means two people can disagree. Big conversions ask both, rules change only with both signatures, and either can pause the agent.

Regulation: Holding and paying with stablecoins is regulated differently by country, including MiCA in the EU. Owners should check local rules.

7.Build order

Two signer household wallet on Arc with Privy
USDC and EURC pockets with signed contribution split
Bill tagging with duplicate matching
Convert on due with locked quotes and an ask threshold
Direct and off ramp bill payment
Sunday look, monthly summary and receipts

8.Where this is going

Now
One couple, two pockets, five bills, converting only the gap.
Next
Remittances to family abroad paid straight from the right pocket, with no detour through a third currency.
Later
More currency pockets as regulated stablecoins arrive, and households sharing bills across countries.
The world it builds
Homes that span currencies and borders without paying a tax on simply being two places at once.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Two Pocket Home

Two Pocket Home: A shared household wallet that budgets in dollars and euros and converts only when a bill needs it. Using someone else's version means their rules, their brand and their revenue. Owning Two Pocket Home means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.

What’s stopping you?

“I am not technical.”

Two Pocket Home arrives deployed with a guide. Running it is settings and sharing links, not code. If you get stuck, we help you ship it.

“What if nobody uses it?”

Start with ten people you already know. The first move below takes under an hour and tells you fast whether people care.

“I do not have time.”

Each step is sized in minutes. Most owners spend an hour a week, and the app does the repetitive part.

“Will it make me money?”

Nothing is guaranteed. The playbook gives you a clear path and honest numbers, and you decide how far to take it.

The million-dollar ladder

Charge the people who get the most value from Two Pocket Home: a monthly plan for groups or teams, plus setup fees for anyone who wants it done for them.

$100

$1,450

$11,700

$78,000

First harbour

5 customers

$20 a month

Steady trade

50 customers

$29 a month

Known name

300 customers