We sell nothing but the app
No mutual funds, no loans, no cards, no insurance, no “partner offers”. A recommendation with a commission behind it is not a recommendation. Ours have nothing behind them.
Every Indian with a bank account gets a text for every rupee that moves: the UPI payment, the card swipe, the salary, the EMI, the statement, the bill. It is the most complete, most current record of a person’s finances that exists — and it sits unread in an inbox, between OTPs and promotions.
The apps that did read it either did it on a server, so a company you had never met held your messages; or read it badly, so a credit card became a savings account and a SIP became a spend. And almost all of them existed to sell you something — a fund, a loan, a card — which meant every insight had a motive.
So we built the parser we wanted: one that runs on the phone, understands the grammar of 62 Indian banks, keeps cards and investments in their right places, and reports to no one. Then we built everything a household needs on top of that single honest ledger — bills, net worth, goals, the card shield, FIRE, tax, debt, insurance, one health score. And we decided the business would never be distribution.