Introducing Vault
Your money hasa next move.
VAULT uses information from your connected accounts — read-only, it can look, never touch — to surface specific money moves and show the numbers behind them when available. Most take minutes.
Your first score takes about 60 seconds — no bank login needed.
Read-only via Plaid · Encrypted in transit & at rest · Your data is never sold
VAULT
WEALTH VELOCITY
0
▲ +12 this week
STREAK
🔥 21 days
MOVES TODAY
2 of 3
Be honest
You make money. But you never feel wealthy.
Budgeting apps show you charts. Then guilt. Then you delete them.
Your bank knows everything about you — and tells you nothing.
No one has ever looked at your money and said: here’s your next move.
Money shouldn’t feel like fog.It should feel like momentum.
Meet Vault
Not another budgeting app.A finance app with a finish line.
VAULT turns your real accounts into one living system — watching, scoring, and moving you forward. Every single day.
01
Connect.
Answer three questions for your starting score — about 60 seconds, no bank login. Then connect your accounts through Plaid when you’re ready: read-only, encrypted, credentials never stored.
02
Open the vault.
Each morning, the Daily Open shows what changed since yesterday and deals your moves for the day — drawn from your actual accounts, sorted by dollar impact.
03
Make your moves.
Idle cash to relocate. Utilization to bring down. An account you’re missing. Specific and doable — most take minutes, and the Concierge can explain any of them with your numbers.
04
Build momentum.
Three moves closes your vault for the day. Streaks build, XP banks, and your Wealth Velocity score climbs on how you handle money — not just how much you have.
Feature 01 — The Wealth Feed
Your money, dealt daily.
Open the vault — get dealt a hand.
A fresh hand of moves, drawn from your connected accounts. Not tips. Not articles. Moves.
Each one specific. Each one doable.
The numbers behind each move when available, timeframes, scripts — what you need to execute in minutes, not weekends.
Swipe. Execute. Bank the points.
Every completed move feeds your Wealth Velocity Score. Momentum you can watch compound.
$132/mo of subscriptions detected. Keep only the ones you use.
POTENTIAL VALUE
+$475/yr
✦ Ask Concierge about this
Move $4,200 of idle checking into 4.6% APY.
POTENTIAL VALUE
+$193/yr
✦ Ask Concierge about this
Credit utilization at 42% — pay $610 to get back under 30%.
POTENTIAL VALUE
Score-safe zone
✦ Ask Concierge about this
Illustrative examples — your moves come from your own accounts.
Feature 02 — Wealth Velocity Score
Net worth says where you started.Velocity says where you’re going.
0
OF 1,000
One number, 0 to 1,000, built from how you save, spend, invest, and handle debt. Habits weigh more than headlines — which means it can climb from any starting point.
Feature 03 — AI Concierge
Answers that know your numbers.
Every money question you’ve ever Googled returned advice written for someone else. Your concierge answers with your balances, your spending, your pace — not somebody else’s situation.
Informational insights, not licensed financial advice.
VAULT CONCIERGE · ILLUSTRATIVE EXAMPLE
Can I actually afford Lisbon in October?
Yes — comfortably. Your checking and savings are $1,240 ahead of your usual monthly pace. Keep dining under $480 this month and the trip fits without touching your emergency fund.
Want the math on a Lisbon fund? Setting aside $95/week gets you there — I can map it against your cash flow.
Feature 04 — The Rituals
THE DAILY OPEN
One tap. Each morning.
Your change since yesterday, your streak, your moves for the day — served in the time it takes your coffee to brew. The ritual that quietly rebuilds your relationship with money.
21-day streak
INSIGHTS
Leaks, spotted for you.
The subscriptions you forgot. The cash earning nothing. The balance quietly hurting your credit. Every time your accounts refresh, VAULT flags where money slips — before it compounds against you.
Automatic · Every refresh
Feature 05 — Status
Climb from Bronze to Black.
Five tiers, scored on how you handle money — saving, spending, debt, and investing — not just the size of the pile. Habits move the needle at every income.
Bronze
0–199
Everyone starts here. Nowhere to go but up.
Silver
200–449
Consistency, unlocked.
Gold
450–699
The habits are compounding now.
Platinum
700–899
Rarefied air. Sustained, compounding discipline.
Black
900–1000
Reserved for the relentless.
Status you can’t buy. Only earn.
The Experience
Don’t take our word.Feel it.
An interactive taste of the Wealth Feed, with illustrative example moves. Drag a card right to act — or tap the gold button. Watch what happens at 700.
WEALTH VELOCITY
689
Move $4,200 of idle checking into 4.6% APY.
POTENTIAL VALUE
+$193/yr
+9 pts
The Transformation
Other apps change your charts.VAULT changes your identity.
Psychology’s iceberg model says behavior is the surface. Everything that lasts happens underneath. Dashboards stop at the waterline. We don’t.
CONSCIOUS THOUGHTS
Check the balance. Feel the spike. Close the app.That’s where every other app leaves you.
EMOTION
Money stops feeling like fear and starts feeling like a game you’re winning.
BELIEFS
“I’m just bad with money” quietly dies somewhere around your thirtieth executed move.
IDENTITY
Then one day you notice it: you’ve become the kind of person whose money has momentum.
BEFORE VAULT
- Checks the balance with one eye closed
- Guesses at what’s safe to spend
- Anxiety as permanent background noise
- “I’ll figure it out someday”
AFTER VAULT
- Opens VAULT like a morning ritual
- Knows tomorrow’s move tonight
- Watches a score climb, week over week
- Someday has a date
Why it sticks
Built to be opened daily.
Most finance apps get opened twice: the day you download them and the day you delete them. VAULT is engineered around the psychology of coming back.
A new hand every day
The feed refreshes each day you open it. What’s in today’s hand? There’s only one way to know.
Day 0
Streaks that hurt to break
Day 21 feels different from day 2. Momentum becomes something you protect.
A score that remembers
Every move you make is banked in your Velocity. Progress that compounds instead of resetting.
Achievements with weight
No participation trophies. Badges mark real financial firsts — first $1k moved, first leak sealed.
Small wins, banked daily
Two-minute moves that pay off for years. The app is engineered so you never leave empty-handed.
Insights that surprise
VAULT notices what you don’t. The best sessions start with “wait — it caught what?”
The First Cohort
This page has no reviews.On purpose.
VAULT is new. We could have filled this section with invented praise from people who don’t exist — most landing pages do. We’d rather earn yours.
The founding cohort is climbing the first tiers right now. The first words written here will be theirs — maybe yours.
Trust & Security
Your money. Your data.Your rules.
A vault is only as good as its walls. Here’s exactly how yours are built.
AES-256 at rest
Your data is encrypted with the same standard banks and governments rely on.
TLS 1.3 in transit
Everything moving between your phone and our servers travels encrypted.
Read-only, via Plaid
VAULT can see balances and transactions. It cannot move money. Ever.
Credentials never stored
Your bank login goes to Plaid, not us. We never see or hold your passwords.
Never sold. No ads.
You pay a subscription, so you’re the customer — not the product. We don’t sell your data. Ever.
Delete everything, anytime
One tap in Settings permanently removes your account and data from our servers.
Read the fine print — we keep it readable: Privacy Policy · Terms of Service
The Beginning
Your first move isalready waiting.
Download VAULT and get your starting score in about 60 seconds — three questions, no bank login. Connect your accounts when you’re ready, and VAULT starts dealing moves from your real numbers.
Free to download · iPhone · Read-only via Plaid
VAULT
WEALTH VELOCITY
0
▲ +12 this week
STREAK
🔥 21 days
MOVES TODAY
2 of 3