vaulink — Money Vault

Know exactly where your money goes. Private by design. No account needed. vaulink brings your accounts, cashflow, cashback, investments, and currency converter into one place — private, offline-first, no account required. AI — ON YOUR TERMS Three levels. You decide how much ever leaves your phone. • Vault only — no AI at all. Nothing leaves the iPhone. Tracking, charts, cashback and the encrypted backup all work as usual. • Built-in assistant — dictate a purchase, drop in a screenshot of a bank statement, ask where the month went. Your question and the month's category totals go out for that one answer, and are not stored. • Your own AI — connect vaulink to the assistant you already pay for. Any AI that supports MCP works. Sign in with a code from the app or with a personal key, which is read-only by default. Your account list and balances sit on our server only while the link is on, and are deleted the moment you switch it off. Each level is a switch in Settings. Start with none, move up when you want help, step back down whenever you like. DASHBOARD Total balance, recent transactions, portfolio performance, cashback overview, and live exchange rates — all on one customizable screen. Add the widgets that matter most to you. Home screen widget — live exchange rates at a glance, without opening the app. ACCOUNTS & ANALYTICS Cards, bank accounts, credits, savings, investments, and real estate — all tracked together. Accounts and analytics now share one screen: switch with a sticky segment instead of hunting through tabs, and analytics opens instantly — your last snapshot is already on screen, stamped with the time it was taken, while fresh numbers load behind it. The Accounts screen separates assets from liabilities, breaks down each balance, and groups accounts your way. Credit cards support full operations and payments. Assign a custom icon and color to each account for instant recognition. Multi-currency. Your real net worth, always up to date. CASHFLOW Log income and expenses by category. See exactly where your money goes each month. An Upcoming section shows payments and income ahead of time. Quick entry panel for fast logging on the go. CASHBACK Which card should you swipe? vaulink compares your cards' cashback rates by spending category so you always choose the best option. Never leave money on the table. INVESTMENTS Stocks, ETFs, crypto, and other assets — tracked in real time. Total portfolio value in any currency. CURRENCY CONVERTER 170+ fiat currencies plus crypto. Live rates, no ads, no extra apps needed. YOUR DATA. YOUR DEVICE. No account required. Everything is stored locally on your iPhone. iCloud backup is encrypted by default with a key from your iCloud Keychain — nothing leaves your device readable. Prefer to carry your own key? Switch to a passphrase that opens the backup on any device. WHAT'S FREE Accounts, cashflow tracking, cashback (10 categories/month), currency converter, dashboard, encrypted backup. WHAT PRO UNLOCKS • Unlimited accounts, cards, and investments • Financial dynamics charts and deep analytics • Unlimited cashback categories • Early access to new features PROMO: 90 DAYS PRO FREE Follow our Telegram @vaulink_app and get a promo code for 90 days of PRO. New App Store subscribers only. Details: t.me/vaulink_bot Start free — no account, no sign-up. — vaulink. Your money. Your rules. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/