42%
$ 62,140
Available now
Instant access · spend or send
Your money,working smarter.
An intelligent wealth layer for your everyday money. Hold six currencies, earn yield on idle balances, automate savings, and access mid-market FX — with the calm and protection of private banking.
Six currenciesWithdraw any timeMid-market FXEncrypted + insured
Net position
Multi-currency$ 147,160
Held· across your currencies
USD$ 48,920
EUR€ 18,420
GBP£ 9,640
AEDAED 34,200
Balances stay yours — move or spend them any time
Every dollar, in the right place.
Your money is always positioned for both access and growth — spendable cash, balances earning yield, and protected reserves you can’t touch by accident.
49%
$ 71,820
Earning yield
Sovereign + money-market · withdraw any time
9%
$ 13,200
Protected reserve
Goal-locked · emergency fund
Hold the world’s money. Earn on all of it.
Six currencies, each with its own role in your wealth — a core reserve, travel money, diversification, daily life. Every balance earns; convert at mid-market whenever you choose.
USD
US Dollar
$ 48,920
Allocation
38%
Role
Core reserve
Region
Global
EUR
Euro
€ 18,420
Allocation
18%
Role
Diversification
Region
Eurozone
GBP
Pound Sterling
£ 9,640
Allocation
12%
Role
Travel + UK
Region
UK
AED
UAE Dirham
AED 34,200
Allocation
16%
Role
GCC spending
Region
GCC
EGP
Egyptian Pound
E£ 142,000
Allocation
12%
Role
Daily life
Region
Egypt
SAR
Saudi Riyal
﷼ 12,400
Allocation
4%
Role
Regional
Region
KSA
The real exchange rate. Always.
Convert between your currencies at the live mid-market rate with a published spread — no markup, no surprises. Set a target and we convert the moment the market reaches it.
Explore FX corridorsLive mid-market · published spreadStreaming
- USD / EGP48.62spread 0.08%
- USD / AED3.6725spread 0.04%
- EUR / USDOpportunity1.0924spread 0.06%
- GBP / USD1.2580spread 0.07%
Set it once. It runs forever.
Personal financial intelligence that moves money for you — on payday, on a schedule, or when the market hits your number.
Smart allocation
Salary lands → percentages route to vaults + reserve automatically. Set once.
Balance optimization
Idle cash above your floor sweeps into yield overnight. Tops back up before a payment.
Recurring conversions
Buy a fixed amount of USD or EUR every week — dollar-cost your currency mix, hands-free.
Treasury goals
Name a goal, set a date. We compute the weekly amount and route it automatically.
Automated savings
Round-ups, payday rules, and surplus sweeps — small amounts, compounding daily.
FX triggers
Convert when a pair hits your target rate. We watch the market so you don’t have to.
Quiet intelligence. Never nagging.
healthy
Multi-currency
Positions
Held across your wallets
healthy
Healthy
Diversification
Spread across 5 currencies
healthy
3 / 4
Savings goals
On track this quarter
detected
EUR/USD
FX opportunity
Below your target rate
Spending · last 30 days$ 1,696
Tracked100%
- Dining + groceries28%$ 482
- Travel19%$ 320
- Subscriptions15%$ 248
- Healthcare11%$ 184
- Other27%$ 462
vs last month
− 4.0%
was $ 1,766
Daily average
$ 56.5
30-day mean
Largest day
$ 214
May 18 · travel
Subscription radar
6 recurring · $ 248 / mo · next renewal in 3 days
You spent 4% less than last month — on pace to save an extra $ 70 by month-end.
Savings vaults · earning Yield on
- Emergency fundEGP · Held in EGPE£ 142,00060% to goal
- Travel · 2026USD · Held in USD$ 4,82078% to goal
- Home down-pmtAED · Held in AEDAED 18,42042% to goal
- Education · kidsEUR · Held in EUR€ 8,42088% to goal
Your money, protected like a bank’s.
Balances held with regulated sponsor banks under PCI DSS L1 and ISO 27001 — encrypted, monitored, and always under your control.
Encrypted balances
AES-256 at rest · TLS 1.3 in transit · HSM-backed keys.
Account protection
Per-balance segregation under regulated sponsor banks.
Fraud monitoring
Device intelligence + behavioural baseline on every action.
You’re always in control
Instant freeze, alerts on every move, withdraw anytime.
Your personal stack
The wallet underneath.
Personal Treasury sits on top of your wallets, cards and rewards — one identity, one regulated rail, one calm dashboard.
Wallets
Hold + spend everywhere
Six currencies on one regulated rail · spend in your home rate.
Connected
Cards
Spend from any balance
Physical + virtual · pay in any currency · cashback on every swipe.
Connected
Rewards
Earn while you spend
Auto-credited cashback + tier progression to your home wallet.
Connected
Let your money work — calmly.
Open a wallet, name a goal, set one rule. Yield starts the same day. Withdraw anytime — no lock-up, no penalty, no minimum.