Jarfi is non-custodial — we never hold your funds. All USDC is held in a smart contract on Solana. Only you (or the conditions you set) can unlock the jar.

Jarfi cannot:

• Move funds from your jar
• Change your unlock conditions
• Access your wallet seed phrase

The Jarfi contract is written in Rust using the Anchor framework and deployed on Solana.

Program ID (devnet): HtQt8P4pcF2X4D9oxWwsafj5KnwJsUPF148mvkZMQaFW

Source code: github.com/jarfixyz/jarfi

The contract enforces:

• Unlock conditions (date and/or goal)
• USDC vault ownership (only the vault authority PDA can move funds)
• Contribution recording

Jarfi uses a server-side keypair to:

• Create jars on behalf of users (as the jar owner)
• Process incoming Transak payments (move USDC from server wallet → jar vault)

The server wallet never has access to your jar's USDC — it can only deposit into vaults, not withdraw. Withdrawals require your wallet signature.

Your wallet seed phrase is never seen by Jarfi. If you lose your seed phrase, you lose access to your wallet and your jars. Store it safely offline.

During beta, Jarfi runs on Solana devnet — a test network with no real money. All USDC is test USDC with no real value.

Mainnet launch will require a separate wallet setup and real USDC.

The Jarfi smart contract has not been audited by a third party. Use at your own risk, and only deposit amounts you are comfortable losing. A security audit is planned before mainnet launch.