Smart Finance
VAULT
Your finances should inform you, not a surveillance profile.
Vault is the private finance app for people who want answers without making a cloud account the price of admission. Track spending manually, import statements and receipts on-device, forecast cash flow, and use local coaching. Automatic bank updates are planned through a clearly optional Plaid connection, with bank authentication handled by Plaid rather than an Obsidian Ridge Labs login form. Vault is in active development.
Why it exists
Your finances should inform you, not a surveillance profile.
Vault is built to make your own financial history useful to you. Track manually, import statements and receipts on-device, forecast cash flow, and ask for private coaching. Automatic Plaid updates remain a separate choice.
No hidden data path
Useful from the first input to the final result.
- 01
Import
The planned local workflow reads a PDF statement or scanned receipt on the device.
- 02
Organize
On-device intelligence is being designed to help categorize spending with review and correction controls.
- 03
Forecast
Projected balances will be presented as estimates based on the data and assumptions you provide.
- 04
Choose
Manual tracking remains the private default; optional Plaid sync is a separate connected path.
What it does
Purpose-built for one private workflow.
Your Password, Never Ours
The design keeps manual tracking available and routes optional bank authentication through Plaid rather than an Obsidian Ridge Labs login form.
Plan with a Forecast
Recurring income, bills, and spending history become a clearly labeled estimate, not a financial guarantee.
Yours by Default
The core product is being designed for local storage and processing, with a connected bank-data path only when a person chooses it.
Privacy is architecture
A shorter data path.
A clearer privacy boundary.
Core budgeting, forecasting, categorization, and coaching are being designed around local processing. The planned Plaid path is optional and routes bank authentication through Plaid; final connection behavior will be documented before release.
Read the full privacy modelBefore release or install
Questions worth asking.
That is the design. Vault is being developed around manual expense tracking, budgets, forecasting, and on-device statement or receipt import without requiring a linked bank. Plaid sync is planned as an optional connected feature.