The limits

Amounts. A send is at least $1. An envelope goes back by itself between one day and one year after it is sent. The least a keep can become is fixed when the sender signs.

Not a remittance company. Sown moves no cash. The dollars arrive as USDC, which MoneyGram-connected Stellar wallets turn into cash; Sown links to them.

Unaudited. The Sown contract has no audit, and the Smart Account Kit calls itself unaudited integration software. Keep amounts small. The contract has no upgrade function; its admin can add or disable a keep asset for future sends and nothing else.

No promise of a return. Sown shows no rate of return, no projection and no chart. The only figures are what the ledger says: what was sent, what was kept, what is held.

Every month is a reminder, not a standing order: Stellar has none yet. The roadmap puts the rule on the sender's own wallet, where the wallet enforces it.