FinVault
2026 · Built on the new banking stack

A wallet that feels
grounded. Secure. Calm.

Deposit from your bank card, transfer instantly, and withdraw to any account — across Personal & Business profiles, in Demo or Live mode. Protected by email verification, biometric KYC, and TOTP 2FA.

OTP on every login
Biometric KYC
PCI-aware cards
FinVault hero
Live balance
$ 12,480.00
+ $320 this week · stress-free spending
< 60s
To open an account
0%
Hidden fees
24 / 7
Wallet uptime
2FA
Optional for every account
Live · Money in motion

Right now, on FinVault.

Anonymised, real-time aggregates from the last seven days. Updated every ten seconds — no personal data, no transaction details, just the rhythm of the wallet.

As of 01:38:12 PM
Moved this week
$0
7-day trend
Transfers
0
7-day trend
New accounts
0
7-day trend
Active in 24h
0
7-day trend
Avg deposit
$0
7-day trend
Live · Recent activity
last 8
  • •••6A6→•••CB2
    Transfer · live · 2d ago
    $23,763.49
  • •••432→•••75D
    Transfer · live · 11d ago
    $2,690
  • •••75D→•••A05
    Transfer · live · 12d ago
    $5,300
  • •••75D→•••6A6
    Transfer · live · 12d ago
    $13,000
  • •••A05→•••75D
    Transfer · live · 12d ago
    $5,720
  • •••6A6→•••EE3
    Transfer · live · 13d ago
    $16,200
90 seconds, end to end

From signup to first transfer.

A 30-second walkthrough of what your first day on FinVault feels like — calm, secure, and faster than you'd think.

  1. 01
    Verify in under a minute
    Email + selfie + ID. Our AI auto-approves crisp matches; humans review the rest.
  2. 02
    Add funds securely
    Deposit straight from your bank card through PayPal — we never touch your PAN.
  3. 03
    Send by QR code
    Scan a friend's account QR from another phone. Recipient confirmed, money sent.
Walkthrough video coming soon
What's inside

Every move, in one place.

Four core actions, designed to feel quiet and confident: deposit, transfer, withdraw, and manage cards. Nothing extra. Nothing in the way.

Deposit from any card

Top up your wallet from any external bank card via PayPal. Funds land instantly — no transfers, no waiting.

Send to anyone, instantly

Transfer to other FinVault users using their email or wallet ID. Settlement is real-time, with notes attached for context.

Withdraw to any bank

Move money out to any external bank account in seconds. Daily settlement at no extra fee.

Card details, PCI-aware

Manage saved funding methods. We store only the brand, holder, and last four digits — never the full PAN or CVV.

Personal

Quiet, premium banking for the everyday.

Deposits, transfers, withdrawals and saved cards — calmly designed for the way you actually move money.

  • $1,000 demo on signup
  • Email & TOTP 2FA included
  • Free transfers between FinVault users
Business

Scale revenue, payouts and team finance.

A grown-up account for companies. Card-based deposits, instant transfers, KYC-verified, and audit-ready.

  • 90 days · zero monthly fee
  • Business KYC built in
  • Receive payments via wallet ID
Two modes, one app

Try it, then use it.

Every FinVault account ships with two wallets side by side — a Demo wallet for learning, and a Live wallet for actual money. Switch at any time. Nothing crosses over.

Demo

A safe sandbox

Start with $1,000 of simulated funds, run the entire wallet flow, transfer, withdraw — and learn how FinVault behaves before you connect any real card.

Live

Real money, gentle controls

Connect a bank card via PayPal, deposit funds, and start moving money. Every action is protected by OTP, optional 2FA, and our brute-force lockouts.

Security, on by default

Built with the safe-by-default mindset of 2026.

No hidden CVV storage. No password kept in plaintext. No login without a second factor. We don't sprinkle security on top — it's the way the wallet is wired together.

Read the security overview
Email OTP at every login
Optional authenticator-app 2FA
Bcrypt-hashed passwords
HttpOnly · Secure · SameSite cookies
Liveness check during KYC
Brute-force lockouts on every endpoint
Liveness check
3 / 3 frames liveness passed
KYC, the modern way

A 60-second onboarding, with liveness baked in.

Submit your photograph, government ID, and proof of address. Then a friendly liveness flow — look straight, blink, smile — captures three frames that compliance reviews privately. No back-and-forth emails. No clunky portals.

  • Photo · Government ID · Proof of address
  • 3-frame liveness capture during signup
  • Compliance review with approve / reject decisions
  • Full data export and deletion on request
How it works

Four steps. No detours.

  1. 01
    Step 1
    Register

    Choose Personal or Business, Demo or Live. Verify your email with a one-time code.

  2. 02
    Step 2
    Verify yourself

    Upload three documents and complete the liveness check. Compliance reviews quickly.

  3. 03
    Step 3
    Fund the wallet

    Demo? Start with $1,000 free. Live? Deposit any amount with your bank card via PayPal.

  4. 04
    Step 4
    Move money

    Transfer to other FinVault users instantly. Withdraw to any external bank when you need to.

Questions, answered

Things people ask before signing up.

No. Open a Demo account in under a minute and explore the entire app with $1,000 in simulated funds. When you're ready, switch to Live and connect a card to deposit real money.
It takes under a minute

Ready to feel calmer about money?

Open a Demo account first if you'd like. Switch to Live whenever you're ready. We'll be here either way.