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Goals

A goal is a name, a target and an optional date for part of your savings: "School fees, 500 NIM, by 1 September". It doesn't move your NIM anywhere. Your savings stay one stake in your own account, and Droplets keeps track of which part belongs to which goal.

Making a goal

Open the Goals tab and tap the + at the top. Give it: - a name, up to 60 characters; - a target in NIM, or leave it blank for a goal with no set amount; - a date, picked from the quick choices (1 month to 1 year) or the calendar. With no date, the goal is never locked: you can close it any time, or when the target is met.

You can have up to 20 goals. Creating, editing, reordering and deleting a goal each ask you to sign a short message in Nimiq Pay. Signing is free and moves no NIM.

How goals fill

New savings fill your first goal up to its target, then the next, in the order you set. That covers what apps pay into savings, the share on top when you pay an app, the catch-up, and NIM you add yourself. A goal with no target takes everything that reaches it. Savings beyond your goals stay free savings.

When you add NIM by hand you can pick a goal, and it goes there first. Move a goal up or down in the list to change the order. Deleting a goal leaves its NIM in your savings.

A date locks it

A goal with a date can't be withdrawn from in Droplets before that date. You can still add to it. This is for money you don't want to be tempted by.

Breaking a goal early

If you really need the money, you can break a dated goal:

  1. Tap Break this goal. Droplets shows the cost: 10% of what's in the goal.
  2. Approve the 10% payment to Droplets in Nimiq Pay, then sign the break.
  3. Wait 24 hours. Then the goal's money is free to withdraw, and withdrawing works as usual.

Breaking is meant to be deliberate, so it always costs something and never takes one tap. If you change your mind during the 24 hours, the fee is not returned. A goal whose date has passed is free to withdraw and costs nothing.

Withdrawing outside Droplets

Droplets can't stop you from withdrawing directly in Nimiq Pay. If you take money out that way while a goal is locked, Droplets reads it from the chain, marks the goal as broken and lowers its progress. You also can't create new goals for 30 days. No fee is charged, but the lock didn't do its job.

Who sees your goals

Only you. Apps never see your goals, and Droplets doesn't show them to anyone else.