Why Smart-Locking Your Piggy Matters (and How to Do It)

Everyone's heard the story of the Bitcoin pizza—10,000 BTC for two slices. What if those coins had been locked? That simple action could've changed everything.

Piggy's Smart-Lock is here to help you avoid being that story. It helps you build strong saving habits by locking your Bitcoin until a specific date or goal is hit. No emotional spending. No regrets. Just focused, long-term stacking.

Smart-Lock is one of Piggy's core features, and we’re actively expanding it. New tools like Custom Code and MCP integrations are coming soon to give users even more control and personalization in how they lock, track, and use their bitcoin.

Why It Matters

• Discipline Wins: Markets move fast. Emotions move faster. Smart-Lock gives you guardrails so your Bitcoin stays untouched until you're ready.
• Cold Storage Security: Once locked, your sats are stored safely in multi-signature cold storage.
• Gradual Stacking: You can lock your Piggy and still continue to add Bitcoin over time. All new deposits will be included in the lock.
• Held by Ficha SA: All locked Bitcoin is securely managed by Ficha SA, a certified Bitcoin wealth management platform. Funds are stored in cold storage with multi-signature protection, and you can verify them anytime on Piggy’s Transparency page.
• Save for the Big Stuff: Retirement. College fund. Dream trip. Whatever the goal, Piggy helps you reach it with intention.
• Future-Proof Thinking: What feels small now could mean everything later. Your future self will thank you.

Step-by-Step: How to Activate Smart-Lock

1. Go to Your Piggy Profile Page

   Tap on "Activate Smart-Lock" button.

2. Review the Terms

   You'll be shown:

   • All new deposits and affiliate rewards will be locked too.
   • Your Bitcoin goes into secure multi-sig cold storage.
   • No early unlocks—so make it count. Agree to the Terms of Service and hit Next.

3. Choose Your Unlock Date

   Pick a meaningful future date when your Piggy unlocks automatically—like a birthday, graduation, or anniversary. You can also choose a custom date that aligns with your long-term goals.

4. (Optional) Add a Bitcoin or USD Target

   Want some flexibility? You can set a savings target. If you reach it before your unlock date, your Piggy will unlock early. It's optional but a smart tool for goal-based saving.

5. Confirm Everything

   Double-check your settings. Once you lock, it’s final.

6. Authorize with Passkey

   Secure your choice by signing with your passkey.