A money app on Stellar · Philippines first

Moneythatlistens.

Say what you want in your own words. Tero shows you exactly what will happen — then you sign. Nothing moves until you say yes.

No spam. One email when it’s your turn.

Every action looks like this. Nothing moves until you approve and your own wallet signs.

Why we’re building this

Sending money home shouldn't feel like defusing a bomb.

You shouldn't need to know what slippage means to turn two thousand pesos into dollars.

And nothing — nothing — should move until you've said yes.

Three words. That’s the whole app.

Say
Type it the way you'd text it. Tero understands money words, not crypto words.
- send ₱2,000 to Mom
- change 50 dollars to pesos when the rate's good
See
Before anything happens, a card shows the real outcome. What leaves, what arrives, the fee, the worst case. In plain words.
- She gets 34.20 USDC
- At least ₱2,920 · fee under ₱1
Sign
Your wallet signs. Not ours. Tero never holds your money — it can't, by design.
- Signed by you
- Done in 5 seconds

Guardrails

Money that matters deserves a product that is hard to misuse. These aren’t settings you have to find. They’re on from the first day.

Sending to an address you've never used?
You check the last four characters before the button even works.
Over the limit you set for yourself?
A second confirmation. Every time. You can lower the limit any time; raising it takes a confirm too.
The rate moved while you were reading?
The card refreshes and asks again. You never sign a stale number.
An address that matches a known scam pattern?
Blocked before it reaches your wallet, with a reason you can read.
An AI that just does it for you?
Not here. Tero proposes. You decide. Your wallet signs.

We’re starting in the Philippines, with a small group first. Leave your email and we’ll write when it’s your turn.

Built on Stellar. Cash in and out through licensed local partners. Your keys stay yours — Tero is a window onto your money, never a vault for it.