All rules, pricing, protections and guarantees — stated clearly before you open your vault. No fine print, no surprises.
STIR Vault is available as part of the STIR Premium subscription. There is no standalone vault purchase — the vault is included with your STIR subscription, which also gives you access to all premium STIR rating features.
A Ledger Nano X costs $150 once and can be lost, stolen, or destroyed — taking your funds with it forever. STIR Vault at $4.99/month or $29.99/year ($2.50/month) gives you a permanently indestructible, always-accessible vault with legal recovery options.
At the annual rate, you pay $29.99/year vs $150+ for hardware — less than one Ledger for the first 5 years combined, with protection that hardware physically cannot offer.
STIR Vault is non-custodial: your private keys never leave your device, and STIR never holds or has technical access to your funds. This means a subscription lapse can only affect premium STIR features (score alerts, ESG ranking) — it can never affect your ability to access, view, or move your own crypto.
STIR cannot move, seize, freeze, or redistribute your assets under any circumstance, subscription-related or otherwise. Because the vault is non-custodial, this is not just a policy promise — it is a technical impossibility. Only your own vault key controls your funds.
| State | View balance | Deposit | Withdraw | Assets safe |
|---|---|---|---|---|
| Subscription active | ✓ | ✓ | ✓ | ✓ |
| Subscription expired | ✓ | ✓ | ✓ | ✓ |
Vault access (deposit/withdraw) is never gated by subscription status — only premium STIR rating features are.
Your vault access key is generated by the entropy of a real MULTIVERS KeyGen gameplay session — not a simple password. Every game places planets, ships, and wormholes in a new random layout across both boards each time it is launched, and every single action (dice roll, move, combat, wormhole jump, conquest) injects a fresh cryptographically-secure random value into the entropy pool.
At the end of the session, this entire entropy trail — combining genuine human unpredictability with continuous cryptographic randomness — is sealed with SHA-256 into your final 256-bit key. No two play sessions can ever produce the same key, and no session can be replayed to reconstruct one.
Your MULTIVERS key (and its QR code) is the only way to access your vault and control your real funds. Because STIR Vault is non-custodial, nobody — including STIR — can recover a lost key. Losing your QR code or key means permanent, total, irreversible loss of everything in your vault. Store it somewhere safe and offline, the same way you would a hardware wallet's recovery phrase.
Every vault is encrypted with AES-256-GCM using a key derived via PBKDF2 (100,000 iterations). Each vault receives a unique cryptographic salt at creation — two vaults with the same password produce completely different encrypted outputs.
A separate emergency manager key is automatically generated at vault creation using MULTIVERS in Mirror Mode, from a seed completely independent of your personal key. Even if your key is compromised, the manager key remains protected. Even if the manager key is known, your personal vault key remains private.
| Situation | STIR Policy |
|---|---|
| Death of account holder | Heirs may contact STIR with death certificate + notarial proxy. Emergency manager access can be used to facilitate legal transfer. |
| Lost MULTIVERS key | Without the key, normal access is impossible — this is inherent to non-custodial design. Manager access is available on judicial mandate only. |
| Judicial freeze order | STIR complies with valid legal orders to the extent technically possible under the non-custodial model. |
| Subscription expired, vault has assets | Assets are never affected by subscription status. Only premium STIR rating features are gated. |
| Algorand migration (Phase 2) | All wallet addresses and balances are preserved identically on-chain during any platform migration. |