Questions, answered plainly.

What is FiLot?

A calm companion for your physical gold and Solana DeFi. You chat in plain language and FiLot does the technical part: photograph your gold to build a living ledger with live profit and loss, ask anything about pools or tokens, and when you are ready, trade with one tap that you approve in your own wallet.

Do I need to understand crypto or DeFi first?

No. Ask in your own words, like "is my gold worth more than I paid?" or "what is a liquidity pool?". FiLot explains before it ever suggests a step, and nothing happens without your confirmation.

How much does it cost?

Everything is free during the beta, until 1 December 2026. After that, Lite stays free, and Pro and Max add unlimited scans, research-grade answers and more. No dollar is charged today.

How do I pay, and can I cancel?

You can pay by card, PayPal or cryptocurrency. If you pay by card or PayPal you can cancel any time from Settings in the app, in two taps, without contacting us or explaining why. A year paid in cryptocurrency is a single payment with nothing to cancel: it just runs out. You keep full access until the end of the period you have already paid for. After that, Pro moves to the free Lite plan, and Max moves to Pro free for a week. Nothing you have saved is deleted.

Read the Refunds and Cancellation policy →

Does FiLot ever hold my money?

No, never. FiLot is non-custodial: your funds stay in your own wallet, and every transaction needs your signature there. If FiLot vanished tomorrow, your money would be exactly where it always was, with you.

What stops a bad or fake transaction?

Before you are ever asked to sign, FiLot simulates the transaction and checks exactly what would leave your wallet and the minimum you must receive. If anything looks off, it is blocked before your signature. There are also server-side checks and an emergency stop switch on our side.

Which wallets can I use?

Phantom and Solflare work out of the box, plus exchange Web3 wallets like Binance, OKX and Bybit on desktop. On mobile, FiLot hands the approval to your wallet app.

Is FiLot giving me financial advice?

No. FiLot is education and bookkeeping, not advice. It explains clearly, shows both sides, and you make every decision.

How does the gold photo scan work?

Snap a photo of your bar, invoice or certificate. The photo is sent to Google’s Gemini vision model, which reads the details, weight, purity, serial, price, and shows you everything to review. Nothing is saved until you confirm it. If you do save the item, its photo is kept in a private bucket only your account can read; if you do not, the scan is discarded.

Can FiLot verify my gold is genuine?

FiLot never claims to verify gold itself. For bars with an official checker, like PAMP with VeriScan, FiLot links you straight there and records the result you report, marked clearly as checked by you.

Does FiLot buy or sell physical gold?

No. FiLot is digital bookkeeping for gold you already own. If you want gold exposure on-chain, you can trade for PAXG (Pax Gold), a token backed by physical gold.

What is the difference between Lite, Pro and Max?

Lite is free: gold ledger, chat, live pools and capped trading. Pro removes the caps and adds live researched answers with sources. Max adds Deep Dive (a cited research report and a simulated market outlook, in one), What-If scenario simulations, and the most advanced AI. During the beta, everyone gets the full experience free.

What is $FILOT?

A small loyalty perk, a thank-you for being a member. It is not an investment and we never promise it is worth anything. There is exactly one official token address, published on our Perks page, so you can avoid fakes.

Learn more on the Perks page →

How do I cancel?

Open Settings in the app and choose to cancel your plan. It takes two taps, we do not ask why, and there is no phone call or email needed. Your access continues to the end of the period you have already paid for, and if you were on Max you then get Pro free for a week before moving to Lite.

Read the full policy →

Do I get a refund if I cancel halfway through a month?

You have 14 days from paying to change your mind and get a full refund, whichever way you paid. After that, no, because you keep the access you paid for until the period ends. We do refund in full if you were charged after cancelling, charged twice, charged in error, or if a paid feature did not work for a significant part of your billing period. Email [email protected] and we aim to reply within two business days. Every refund is reviewed and released by a person, so it is never instant, but it is never ignored either.

What if I paid in crypto?

A refund goes back to the wallet the payment came from, in the same asset. We refund the amount you paid, not its value in another currency, so if the market has moved since then what you get back may be worth more or less. That is how the asset behaves, not a charge from us. Make sure you still control the wallet you pay from, because we cannot recover funds sent to one you have lost access to.

What happens if a payment fails?

If your card expires or your wallet does not have enough balance, we tell you and keep your plan active for a short grace period so you can fix it. If it is still unpaid after that, your account simply moves back to the free Lite plan. We do not retry forever and we never send anything to debt collection.

Will you change the price on me?

If we ever change the price of a plan you are on, we tell you before it takes effect so you can cancel first. A price change never applies to a period you have already paid for.

What happens to my photos and data?

It depends on what you do with the photo. Scanning one sends it to Google’s Gemini vision model to read the details, and that copy is not kept. Saving the item to your ledger stores its photo in a private bucket that only your own account can read. Your records live in your account, protected so only you can read them. A few fraud-prevention signals, like a photo fingerprint, are kept internally to protect everyone from fakes. The full details are in our Privacy Policy.

Read the Privacy Policy →

Can I delete everything?

Yes. Settings has a clear-all that removes your portfolio, gold ledger, history and chats. Your wallet is yours, so disconnecting it is one tap too.