Pending — USDC savings accountability

Your savings are pending. Miss one monthly deposit and everything goes to your chosen charity. Finish the plan and you keep it all.

1. Commit to save $X/month for Y months
2. Choose a charity to receive funds if you fail
3. Deposit now, then every 30 days (7‑day grace)
4. Complete all months → keep all savings
5. Miss once → all savings go to charity