track · learn · grow — AI-powered · privacy-first
AI-powered tracking across every account, card, and currency you actually use. Snap a receipt → on-device OCR categorises against 5,500+ merchants. See monthly insights — without a single raw transaction leaving the server.
🇦🇪 AED
salary · cards · rent
🇮🇳 INR
loan · family · invest
No card. No trial countdown. Free for everyone who signs up.
5,500+
Merchants auto-categorised — UAE · India · Global
4
Currencies first-class — AED · INR · USD · GBP
0
Data aggregators between you and your money
The problem
One spreadsheet won't hold all of this anymore.
A salary in AED. Rent in cheques. A loan EMI in INR. Three cards, two countries, subscriptions you forgot you had. Moniqo is built for the person living between Dubai and Mumbai.
Who it's for
🧑💼
The UAE expat
“My salary lands AED in ENBD. Rent clears four post-dated cheques. I send INR home via Lulu. I have a gym membership I haven’t used in four months and a personal loan with ADCB. I want one view.”
PDF-import the ENBD statement. See the rent-cheque calendar on the dashboard. Get a "you haven’t been to the gym, want to cancel?" prompt. Watch the personal loan project a debt-free date.
👩💻
The India tech worker
“Salary in HDFC. Bonuses in ICICI. SBI for the home loan. Credit cards for the rewards. Side consulting via UPI. I need visibility on the recurring SaaS charges I keep forgetting.”
SBI, HDFC, ICICI PDF imports. Multi-account consolidation. Subscription detection. India tax module (80C / 80D) on the roadmap.
👨👩👧
The dual-resident family
“My wife and I both work in Dubai, send family money home, and the kids will get their own allowances soon. We want shared visibility without sharing everything.”
Schema is family-ready today. Per-record privacy from day one — spouse with full visibility, teen with allowance-tier view, kid with a pocket-money pot.
Live features · shipped May 2026
Multi-bank accounts
Track AED · INR · USD · GBP across every account and card you use.
PDF + CSV statement import
HDFC, ICICI, ENBD, FAB parsers built in. Encrypted PDFs supported. Generic CSV for the rest.
Auto-categorisation
5,500+ merchant catalogue tags imports automatically. Correct once — it learns.
Receipts on the go
Snap a receipt with the rear camera. On-device OCR extracts amount, vendor, date.
Debt-free projection
"All loans clear by August 2029." Visible on the dashboard, every day.
Anomaly detection
Spend 2σ above your 90-day category mean? You get an alert before it compounds.
Salary + rent countdown
UAE-specific dashboard strip showing next salary and next rent cheque.
Splits, tags, budgets
One bill across categories. Free-form tags. Per-category budgets with 80%/100% alerts.
AI insights, redacted
Monthly summaries via Gemini — but Gemini never sees your raw transactions.
Plus: vendor learning · CSV/JSON exports · 3 locales (en-AE · en-IN · Arabic RTL) · TOTP MFA · active-session control · 30-day deletion grace.
How we keep your money private
Your data lives in our database, not theirs
Operator-hosted on AWS Mumbai (ap-south-1) in an encrypted PostgreSQL database only OptiFi can reach. No Plaid. No aggregators. Bank statements come from you — the PDFs your bank emails — never a credentialed screen-scrape.
Our staff can’t read your transactions
To help with a ticket, an operator must request a support session. You see a notification, type a 6-digit code into your own dashboard to approve. Scoped to 30 minutes, revocable any time, recorded in an audit table no one — including us — can edit or delete.
AI gets only redacted aggregates
Monthly AI insights pass through a PII-scrubber before any data leaves the server. Gemini sees "groceries up 23%", not "AED 432.10 to Carrefour on 5 May". A CI check fails the build if a developer tries to send raw transactions to any AI service.
Verifiable, not just promised
The sub-processor list, transparency report, and security page are all public — every external service that touches your data, every operator-access pattern, the full architecture in plain English.
Pricing
While Moniqo is in early production it's free for everyone who signs up. No card on file, no trial countdown, no feature gate. A paid tier launches later at roughly AED 20 / month — everyone who signs up before then is grandfathered into a discounted plan for life.
Start freePrivacy by architecture · AI redacted by design · 11 CI rules enforce it · No aggregators
We respect your privacy
Moniqo uses one essential cookie to keep you signed in (Auth.js session). No tracking, no advertising, no third-party analytics today. See our Privacy Policy for details.