Quiet Luxury Financial Intelligence • Plaid Live

Master your capital with poise and restraint.

Moneo merges frictionless 3-in-1 capture, autonomous AI spending intelligence, direct Open Banking synchronization, and a calm interface strictly in US Dollars.

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MONEO
Visa *4821 Charged now

Bravo Supermarket: -$42.50

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Moneo • Dashboard

Sarkhan

Available Balance
$3,480.00
Safe Pace
Spent: $2,120.00 Limit: $5,600.00
Safe daily pace: $42.00/day 24 days left
Visa *4821 MC *9012
Plaid Live
Vault & Target Rings Manage ›
Moneo
Smart Saving Insight

Dining out is 20% higher than last week. Shifting $45 to your mountain vault today keeps your target on schedule.

Read-Only

Plaid Bank Link

AES-256

Local Storage Encryption

0 Trackers

Zero Ads & Brokers

USD ($)

US Banking Support

STEP 01

Frictionless 3-in-1 expense capture.

Point the high-speed OCR scanner at any receipt, type a casual note ("Espresso 4.50, Fuel 35"), or speak a brief audio snippet.

  • Instant 0.4s receipt parsing with tax isolation
  • Automatic splitting of multi-item expenses
  • Zero-latency encrypted storage
WHOLE FOODS MKT
Almond Milk$3.40
Organic Cheese$6.50
TOTAL USD:$9.90
OCR Status: Complete Matched to Groceries
Weekly Briefing #38 Saved $142

"Burn rate is 12% below projections. Transit costs contracted, while dining saw an expected spike on Friday."

Dining Velocity Alert

Dining out expanded by 35% this weekend. Two home dinners rebalance your monthly rate.

STEP 02 • AI SENTINEL

Intelligent counsel without dry spreadsheets.

Rather than inundating you with complex graphs, Moneo deciphers consumption patterns into Stories-style weekly debriefs with actionable guidance.

  • Dynamic adjustments to safe daily burn rates
  • Autonomous warnings on price hikes
  • Proactive wealth growth modeling
STEP 03

Safe Daily Pace & target ring geometry.

Moneo computes your real-time Safe Daily Pace by weighing remaining days, reserve buffers, and active goals.

Today's Safe Daily Pace: $42.00 / day
Recalculated dynamically after each card webhook
Vault Progress On Schedule
🏔️ Mountain Trip 72%
🛡️ Emergency Buffer 50%
Linked US Accounts Plaid Active
Chase Checking (*4821) Synced (USD)
Amex Gold (*1099) Synced (USD)
STEP 04

Native US banking webhooks via Plaid.

Link Chase, Amex, and US bank accounts through certified read-only protocols. Clean accounting strictly in US Dollars without FX conversion fees or clutter.

Engineered for Sovereignty

Optimized for client privacy, high throughput, and aesthetic quiet.

Stealth Privacy Mode

Mask account totals behind discreet dots with a single tap in public spaces.

Subscription Sentinel

Automatic tracking for silent recurring price increases across software and media subscriptions.

Biometrics & Auto-Lock

Face ID & Touch ID authentication with configurable timeouts when switching apps.

Client-Side Encryption

Financial telemetry remains yours alone. All records are encrypted locally with AES-256.

Target Vault Rings

Concentric goal tracking with optional spare-change roundups to automatically fund reserves.

Clean Audit Statement

One-tap export of clean transaction statements for tax or personal records without junk metadata.

Bank-Grade Architecture

Strictly engineered around user sovereignty and read-only financial compliance.

Read-Only Plaid Protocol

Bank sync uses tokenized, read-only authentication via Plaid. Moneo cannot initiate money movement, pay bills, or debit your accounts.

Zero Credential Storage

Your bank logins and passwords never touch our servers. Connections authenticate directly with your institution through encrypted OAuth sessions.

No Data Monetization

We do not sell transaction feeds to marketing firms, credit card brokers, or loan underwriters. Your financial history remains private.

Frequently Asked Questions

Which financial institutions are supported?

Through Plaid, Moneo supports major US banking institutions including Chase, Bank of America, Wells Fargo, Citi, Capital One, and credit unions operating in USD.

Can Moneo debit or transfer money from my accounts?

No. Connections use strict Read-Only API tokens. Moneo cannot initiate debits, transfer balances, or alter bank settings.

Does Moneo work offline?

Yes. Moneo operates local-first. Adding transactions, scanning, and reviewing target rings works without internet and syncs once connected.

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Reclaim command of your wealth with Moneo

Download the mobile app and experience effortless precision in your financial life.

100% Privacy • No Ad Trackers • Zero Third-Party Reselling