INVITE-ONLY · PRIVATE BETA

Smarter money,
powered by AI.

WiseFinance pulls your cards, payments, rewards, credit score and net worth into one fast dashboard — then its AI tells you the next best move before deadlines, fees and missed bonuses find you.

✓AI insights on utilization, renewals and reward pace
✓Bank-grade security — 2FA required, encrypted at rest
✓Built for points optimizers — six cards, zero missed offers
AES-256 ENCRYPTIONMANDATORY 2FAINVITE-ONLY

Your whole financial life, one screen

Real panels from the product — not renders. Dark or light, it's fast enough to feel native.

Sapphire Preferred
VISA
•••• •••• •••• 4921
BALANCE
$2,481.20
DUE JUL 18
Autopay on
Travel
$412.60
Dining
$286.30
Insurance
$288.42
Every card, fully read
Balances, utilization and where the money actually went — per card, per category.
768Very good · TransUnion
Usage
8%
On-time
100%
Age
4y 2m
A score you can steer
Factor-by-factor coaching tells you what moves your score — before the bureaus do.
78%
Sapphire — 60,000 pts
$3,120 of $4,000 · on pace ✓
Net worth · 12 months▲ $23,400
Points and net worth, climbing
Bonus trackers, milestones and a live net-worth curve — progress you can feel.

Powerful features, designed for clarity

A complete toolkit for staying ahead of your money — every panel built for speed.

Cards & Spending
All six cards in one place — balances, utilization and category burn at a glance.
Payments radar
Every due date, autopay gap and statement — schedule in one tap, pay $0 interest.
Rewards optimizer
Sign-up bonus pace, spend milestones and card-linked offers — never leave points behind.
Universal search
One search across every transaction on every card, filtered instantly.
Credit score coach
Your score, its 12-month trend, and exactly which factors move it.
Net worth
Assets vs debt with a live projection — see your debt-free date.
Insurance watch
Premiums, coverage and renewal dates — with re-shop nudges when prices creep.
Safe to spend
What's actually left this month after bills and goals — one honest number.

AI that reads your money, so you don’t have to

WiseFinance watches utilization, renewal pricing, bonus pace and payment gaps — and surfaces the handful of moves that actually matter each week.

SCORE COACHING
▲
Utilization dropped to 8%
You paid Sapphire before statement close — keep it under 10% and your score keeps climbing.
RENEWAL WATCH
●
Auto premium rose 8% at renewal
Comparable quotes suggest ~$14/mo in savings — worth a re-shop before Jul 31.
REWARD PACE
▲
$880 to go in 41 days
You're on pace for the 60,000-point Sapphire bonus. We'll flag it if your pace slips.

Security isn’t a feature.
It’s the foundation.

This is your financial life — so WiseFinance is built like it. Invite-only access, two-factor on every account, and encryption everywhere your data rests or moves.

Invite-only access
Every account is vouched for. No drive-by signups.
2FA on every account
TOTP authenticator required — with one-time backup codes.
Encrypted at rest
AES-256-GCM for secrets; passwords hashed with bcrypt.
Your data is yours
Strict per-user isolation on every query and mutation.
Hardened headers
Strict CSP, HSTS and frame-blocking on every response.
Rate-limited everything
Login, signup and MFA attempts are throttled per IP.
Cloudflare edge
Served through Cloudflare's network — TLS everywhere.
No third-party trackers
No analytics scripts, no ad pixels. Just your dashboard.

Have an invite code? You’re in.

Create your account, set up two-factor in under a minute, and see your whole financial picture tonight.

Get started →