No. We are not a chartered bank, a licensed investment advisor, or a securities dealer. We're an AI intelligence layer that reads your household balance sheet — so you can plan for the future and have better conversations with the humans who are.

Nine: cash, brokerage, retirement, real estate, business equity, private investments, alternatives, personal property, and receivables. Designed to describe any family, anywhere.

Every query is scoped to your family — enforced by the database itself. Data is TLS-encrypted in transit and encrypted at rest on managed Postgres. We don't sell your data. Ever.

Free is the real product, not a trial — manual entry, one household, owner + one co-owner, top 3 alerts, and member perks (discounted offers on restaurants, travel, and telecom) with no time limit. Most families can run their entire net worth picture on Free indefinitely. Pro is for when you want it automated: Plaid sync, all 12 alerts, live rate data, unlimited family and advisor roles, reports, exports, net-worth history, document vault, and a $29 monthly credit toward any flight or hotel booked through Zoyili.com — which effectively pays for the subscription.

Yes, at Pro. Each has a role-scoped view: CPA sees income and tax fields; attorney sees entity and estate structure; advisor sees portfolio. Never more than they need. On Free, it’s just you and one co-owner — plenty for most households starting out.

You'll get an email within minutes confirming your spot, plus a link to try our live demo so you can see the dashboard before you're even in. When your access opens, we'll email you a short setup flow: a few questions about your accounts and goals, then your first intelligence read-out — typically under 10 minutes start to finish. No sales call, no waiting on hold.

Waitlist is open now. MVP (auth, family setup, persona onboarding, manual entry, intelligence engine, free/pro gating, dashboard) is in build. Plaid and reports arrive in Phase 2.