FInancial clarity, simplified

Vault

COMPANY

AI vibe coding

ROLE

Design engineer

Platform

Native iOS mobile

Duration

3 Weeks

overview

Vault AI transforms complex financial data into clear, actionable intelligence

Instead of overwhelming users with dashboards and spreadsheets, Vault focuses on clarity, simplicity, and decision-making.

context

Today’s financial landscape is fragmented.

Most financial tools prioritize data visibility:

transaction lists
charts
dashboards

But they fail to answer a simple question:

What should I do next?

define problem

Managing money today is fragmented and overwhelming. Most apps focus on data, not clarity.

Users are overloaded with financial data, yet lack:

clear interpretation
actionable guidance
confidence in decision-making

Financial tools are informational, not intelligent.

solution

A clean, glanceable dashboard with minimum onboarding

Vault simplifies financial onboarding through:

A clean, glanceable dashboard
Minimal, high-signal inputs
Lightweight insights that support planning

Feature: Home - Financial clarity at a glance

A lightweight dashboard that surfaces what matters most - net worth, spending, and progress - so users can quickly understand their financial position and take action with ease.

Feature: Accounts - All in one place

Users need a clear, reliable view of their financial landscape. This screen brings accounts, assets, and debt together to support quick understanding and confident decisions.

Feature: Insights - Understand your money

Users don’t just want data - they want to know what it means. Vault uses AI to surface spending patterns and highlight key trends, helping users quickly understand their financial behavior and take informed action.

security & payments

Biometric Security

Secure access using Face ID / Touch ID, ensuring private financial data remains protected while keeping the experience seamless.

AI-Powered Insights

A clean, intuitive interface that replaces spreadsheets with a calm, structured view of finances.

Subscription-Ready Paywall

Designed and implemented a scalable paywall system (via RevenueCat) to support future monetization.

insights

Users don’t need more data.
They need faster clarity with less effort.

Users check balances, but don’t understand their spending

Finance tools introduce cognitive overload
Planning is harder than tracking
High-friction onboarding (bank linking, setup) delays value

Market & Competitive Landscape

A lightweight financial planning layer focused on clarity, not completeness.

Vault sits between three categories:

Traditional finance tools

Mint
YNAB

Strength: comprehensive tracking
Weakness: heavy setup, complex, overwhelming

Neobanks

Revolut
Cash App

Strength: real-time transactions
Weakness: not focused on planning or insight

Modern finance apps

Copilot Money

Strength: better UX, data-rich
Weakness: still requires full data connection and ongoing complexity

Opportunity

How might we create a calm, glanceable financial experience?

that delivers meaningful insight without requiring heavy setup or full data integration?

Core Differentiator

Minimal Input Onboarding

Most finance apps start with:

bank connections
account linking
long setup flows

Vault takes a different approach:

Clarity in minutes, not after setup.

Instead of requiring full data:

Vault asks only a few key questions:

monthly income
top recurring expenses
current savings
financial goal

Monetization

Unlocking AI value at the moment of intent

Free tier:
Users receive 1 AI insight per day and 1 manual refresh

Conversion moment:
When users seek additional insight (refresh), we introduce the paywall

Trigger design:
Refresh beyond limit → paywall
Locked AI features → paywall

Principle:
I monetize curiosity, not access