Fort Knox, developed by Austin Capital Bank, is a high-security savings account designed to safeguard consumers life savings and protect them from sophisticated fraud and scams. Its advanced security features include biometric verification, soft and hard tokens, proprietary technologies, and a focus on creating intentional friction to prevent unauthorized access and transactions.

CLEAR® Facial Biometric Verification
Access requires a live facial scan, blocking scammers who might have your password or OTP—ensuring only the legitimate user can log in.

Custom Security Zones with Multi‑Factor Tokens
Even after login, large withdrawals or investments trigger another security zone requiring a Microsoft Authenticator token or YubiKey. Scammers obtaining codes via social engineering cannot pass this barrier.

Closed‑Loop Protection™
Funds can only return to the original, verified bank account, so transferring money into unfamiliar gold coin investment accounts would be automatically blocked.

Lockdown™ Status
On detection of unusual activity—like multiple large withdrawal attempts—the account immediately enters Lockdown™, freezing all transfers and stopping scammers mid-scheme.

Withdrawal Delay
Every withdrawal has a two-business-day hold, providing a critical window for bank reviews, staff verification, or user intervention—exactly what the proposed bill in Olympia seeks.

Active Account Cloak™ & Blacklist™
Masked account numbers incompatible with external systems prevent scammers from misusing them. Fort Knox also blocks connections to risky investment platforms, reducing exposure to scam avenues.

Bottom Line: Fort Knox’s combination of facial biometrics, multi-factor zones, Closed‑Loop Protection™, automatic freezes, withdrawal delays, cloaked accounts, and blacklist enforcement addresses each way this scam unfolded—mitigating risks and aligning with the protections lawmakers are pushing to mandate.