Last night at the builder hub product demo, two projects shared their progress.

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Chronos — Discipline Savings Protocol
In plain terms, it’s there to keep you in check. Lock USDC into the contract, and you can only withdraw at maturity.
Two types:
- Fixed vault: completely untouchable before maturity, suitable for people who truly want to save
- Flexible vault: early withdrawal deducts a 0.5% penalty, keeping an emergency exit channel
Technical roadmap: currently Solidity contracts + CCIP for cross-chain, later fully migrated to Reclaim
- Reclaim Account for a unified account
- Workflow manages the vault lifecycle
- Reactive Transaction for automatic maturity settlement
With all that logic moving from smart contracts to a programmable execution engine, iteration speed will be much faster.
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Yellow Guard — Enterprise Wallet
It addresses the problem of fund permission management.
Flow: Employee initiates a transfer → Admin approves → it’s executed after approval
Key design:
- Layered permissions, with audit trails for every operation
- AI agent API: transactions within rules are automatically released
- Later alignment with the Reclaim policy engine, with strong type checking for fine-grained control
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Both projects are built by us on the Reclaim ecosystem. They take different directions, but the logic is similar: extracting rules from hard-coded logic and turning them into configurable, automatable modules.
One is for savings, the other for asset management—both are moving toward the same underlying trend. People in the community are building products at this level too; it’s quite inspiring.
@RialoHQ @rialo_zw