The Problem
In the last decade, over 500 million financial records have been exposed - from Equifax to Capital One to Evolve Bank. Not because encryption failed. Not because hackers were geniuses.
Because someone's server had an unpatched vulnerability. Because an insider copied a database. Because a firewall was misconfigured.
Every one of these breaches has something in common: your data was stored on someone else's infrastructure.
MoneyLoft takes a different approach. If your data never leaves your device, there's nothing to breach.
The Belief
Your spending habits, your income, your debts, your net worth - this is the most intimate data you have. More personal than your photos. More revealing than your messages.
And yet every budgeting app on the market asks you to upload all of it to someone else's cloud.
MoneyLoft was built on one conviction: your financial data should never leave your hands. Not to our servers. Not to advertisers. Not to anyone.
The Name
A loft is the one space that's entirely yours. It sits above everything - the noise, the surveillance, the companies trading your attention for profit.
MoneyLoft is that space for your finances. Elevated. Private. Untouched.
The Principles
We can't see your data - by design.
Our architecture is zero-knowledge. Your transactions, budgets, and balances live on your iPhone, protected by the same Secure Enclave that guards your face and fingerprint. We didn't choose not to look. We made it impossible.
Intelligence stays local.
Categorization, insights, recurring detection - it all runs on-device using Core ML. Your spending patterns never travel through a wire.
Your data answers to you.
Export it. Delete it. Move it. One tap, no hoops, no "contact support." We don't hold your data hostage because we never hold your data.
The Studio
MoneyLoft is built by OddInks - a small, bootstrapped studio in California that builds privacy-focused tools for the internet. No venture capital. No growth-at-all-costs. Just sustainable software that respects the people who use it.
OddInks also builds postcall.ai (meeting summaries without a bot in your call), BulkHead (remote file manager for SFTP, S3, WebDAV), and Preflight (website launch checker).
"Your finances. Above it all."