# Introduction

Locker is a consumer savings and investment app built on crypto technology. It makes moving money around the world easier and safer. 

With Locker, you can use EVM smart accounts (ERC-4337) to automate several actions:

#### [Forwarding](https://docs.locker.money/using-locker/how-to-forward-funds)

* Redirect money any time you get paid or receive a transfer
* Forward money to a hot wallet you control, send royalty payments to a third party, etc.

#### [Off-ramp](https://docs.locker.money/using-locker/how-to-off-ramp-to-cash)

* Withdraw crypto to USD and deposit it into your bank account or debit card

#### [Savings](https://docs.locker.money/using-locker/how-to-save-in-locker)

* Set savings goals\*
* Earn yield\*
* Use time-based lock-ups\*

#### [DeFi (coming soon)](https://docs.locker.money/using-locker/how-to-deposit-funds)

* Swap between tokens\*

`* coming soon`

### Key features

Every locker includes the following features:

* **Non-custodial:** Your funds always remain under your control.
* **Automated:** Once set up, you never need to sign a transaction again.
* **Secure:** We use minimally scoped [session keys](https://docs.locker.money/how-it-works/session-keys) to move money on your behalf to pre-approved addresses. In the near future we will also allow users to set spending caps and other account firewalls to limit the impact of a compromised account.
* **Sponsored gas:** Locker [covers gas fees](https://docs.locker.money/pricing) for all your transactions. We collect a small service fee for this service.

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