Your net worth is nobody's business.
Vayld is the private, anonymous way to track everything you own — every account, every asset, even the card collection. No bank logins. No data harvesting. No identity attached.
Why Vayld exists
Every finance app begins with the same demand: “Connect your bank.”
Your balances, your paychecks, your 2 a.m. impulse buys — piped through aggregators, scored by strangers, packaged for whoever's buying. The most revealing dataset in your life, traded as someone else's inventory.
Vayld starts from the opposite premise: your financial picture belongs to you. Not linked. Not mined. Not monetized. Tracked beautifully — and shared with no one.
Track everything. Share nothing.
Privacy isn't a setting here.
It's the architecture.
No bank logins. Ever.
Nothing to connect means nothing to leak. Vayld never asks for a credential — not yours, not your bank's, not once. The single largest risk in finance apps, removed by design.
Anonymous by design
No email. No name. No phone number. Sign in with a passkey or a recovery phrase. We couldn't identify you if we were asked to — and that's the point.
Every asset counts
Brokerages, retirement, real estate, crypto, gold, watches, wine, trading cards. If you own it, it belongs in one picture — alternative assets as first-class citizens, not an 'other' row.
AI that stays home
Drop in a statement and on-device intelligence extracts, categorizes, and files it — then the document is gone. Nothing is uploaded to be 'processed.'
A zero-knowledge vault
End-to-end encrypted with keys only you hold — or keep everything on your device and never sync a byte. Either way, nobody upstream can read a number.
Built to leave
Your entire history exports to a beautiful spreadsheet, any time, no questions. The app you can always quit is the one worth staying with.
See everything. Reveal nothing.
Your whole picture, behind the veil
Every account and every asset on one dark, quiet canvas — with institution names masked and nothing identifiable stored. It reads like a portfolio, not a paper trail.
- Accounts are labeled your way — 'A17', 'Vault B' — never by institution
- Net worth, allocation, and history at a glance
- Weekly snapshots build your history automatically
Institution names never stored. Even a glance over your shoulder learns nothing.
Not just tracking. Deciding.
An allocation engine that tells you what to do next
Set your target mix once. Vayld measures the drift, signals ADD, HOLD, or REDUCE per asset class, and turns spare cash into a concrete monthly deployment plan — the discipline of an advisor, none of the disclosure.
- Targets vs. reality, computed live
- Clear per-class signals with your own thresholds
- A monthly investing plan that self-corrects as life happens
Bars are where you are. Ticks are where you decided to be. The signals do the math.
Liquidity, foreseen
Know your low point before it happens
Recurring income, planned outflows, and your investing cadence project months ahead into a running balance — so the tight week in March is a note on a chart, not a surprise.
- Rolling cash-flow forecast with your real cadences
- Every planned expense entered once, seen everywhere
- The low point, found and dated for you
Built for people who notice
If any of these sound like you, you already know why this exists.
The privacy-conscious
You read the privacy policy. You use a password manager and probably a VPN. Your finance app should finally meet your standard instead of testing it.
The high-net-worth
The more you have, the less you want it aggregated. Track a complex, multi-account portfolio without handing a third party the keys to all of it.
The collector
Cards, coins, watches, wine. Alternative assets are real wealth — Vayld tracks them beside the index funds, not in a footnote.
The professional
Compliance says no aggregators, no linked accounts. Vayld's manual, unlinked design isn't a workaround for you — it's the product.
A different species of finance app
| Vayld | Typical apps | |
|---|---|---|
| Requires your bank credentials | ||
| Requires your name and email | ||
| Can read your balances server-side | ||
| Monetizes your data or shows 'offers' | ||
| Treats collectibles & alternatives as first-class | ||
| Tells you what to do next, not just what you have | ||
| Full export, any time, no lock-in |
“Typical apps” = the aggregator-based trackers you already know.
Fair questions
Isn't manual entry a chore?+
It's a ten-minute weekly ritual, and it's the price of true privacy — so we made it fast: rapid keyboard entry, smart defaults, and on-device AI that reads statements so you never type a transaction. Most people find the ritual is the moment they actually think about their money.
How will Vayld make money?+
A subscription. That's the whole model. You are the customer — not the inventory. No ads, no 'partner offers', no selling insights about you, because we structurally can't see any.
If you can't see my data, what happens if I lose my keys?+
Zero-knowledge means exactly that: we can't reset what we can't read. Your recovery phrase is the master key, and we'll guide you to store it well. It's a real trade-off — and it's the one serious people prefer.
What if Vayld disappears someday?+
You lose nothing. Your data lives with you — on-device by default — and exports to a complete, formatted spreadsheet at any moment. We designed the exit to be painless, which is exactly why you can commit.
Is the waitlist anonymous too?+
Almost — we need one email to tell you when your access is ready. It's stored for that purpose alone, never shared, and deleted on request. Inside the product itself, not even that is required.
When does it launch?+
Access opens in waves. Founding members come first, get founding pricing for life, and get a real say in what we build next.
The vault opens soon.
Founding members get first access, founding pricing for life, and a voice in what gets built. All it costs is an email — the last piece of personal data we'll ever ask for.