> For the complete documentation index, see [llms.txt](https://docs.trilobyte.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.trilobyte.finance/user-guides/accounts-and-sign-in.md).

# Accounts & Sign-In

Trilobyte is designed to feel like a modern financial app, not a crypto wallet. There are **no seed phrases, no browser extensions, and no passwords** — you sign in with a **passkey**, the same way you unlock your phone.

## Passkey accounts

Every Trilobyte account is a **smart account** secured by a **passkey** on your device (Face ID, Touch ID, Windows Hello, or a hardware security key). The passkey is what authorises your actions — funding a loan, approving a disbursement, making a repayment — by signing each transaction.

This gives you the best of both worlds:

* **Self-custodial** — you control your own account; Trilobyte never holds your funds.
* **Nothing to lose or leak** — there's no 12-word phrase to write down, lose, or have phished.

## Creating an account

1. **Choose your role** — Borrower, Investor, or Pool Manager.
2. **Create your passkey** — your device prompts you (Face ID / Touch ID / security key).
3. **You're in** — your smart account is created and you land on your dashboard.

That's it. No email verification loops, no exchange, no crypto to buy first.

## Signing in

On any device where you've registered your passkey, just **sign in with the passkey** — your account and role are recognised automatically and you go straight to your dashboard. No password to remember or reset.

## Stablecoins, not crypto volatility

Everything in Trilobyte is denominated in **stablecoins** (USDC). Loan amounts, deposits, repayments, and yield are all in stable, dollar-denominated value — so you're never exposed to token price swings just to participate.

## No gas, ever

On most blockchains, users must hold the network's "gas" token to pay transaction fees. Trilobyte removes that friction entirely: **network fees are sponsored**, so you never need to hold, buy, or think about a gas token. You only ever deal in stablecoins.

{% hint style="info" %}
**Under the hood.** Trilobyte accounts use **SEP-45** — Stellar's web authentication standard for smart (contract) accounts — so your passkey proves ownership of your on-chain account without a password or seed phrase. Multi-device and backup recovery are on the roadmap.
{% endhint %}