Bank-level encryption
Your data is encrypted on your phone, in transit and on our servers.
Home / How it works
How Locker 81 works
Download the app, verify your ID and your virtual Visa card is ready. About 5 minutes from start to spending.
CardsAM
Virtual · online•••• 3317
❄Freeze cardTap to pauseOff
↻New numberFor each shopOn
◔Monthly limitOnline shopping$600
Sign up
Three steps, about five minutes
Download the app
From the App Store or Google Play.
Verify your ID
A photo of your ID and a quick selfie. We check it in minutes.
Start using your money
Your virtual card is ready now. Your gold card arrives in days.
Security
Safe from the first tap
Face and fingerprint
Only you can open the app or approve a payment.
Deposits protected*
In a live service, your money would be held with a named, regulated partner bank.
Your money, in one secure locker
Open your locker in about 5 minutes. Free to start, with a gold card in days.
Scan to get the app
Sample code
Sample code