ciphany is a personal finance platform that aims to give you complete control over your money, while being radically transparent and offering best in class customer support.
coming soon
swarm
Pool Funds and Share Expenses with Others
Manage capital collectively, with both centralized and decentralized goverance options
egress
Intelligent Transaction Routing
Manage all of your accounts with a single card
ingress
Instant Cash Advances with Transparency
Recieve the cash flow you need when you need it (without being asked for a "tip")
conduit
Instant Transfers Between Your Accounts
Move your money quickly from one account to the next
scale
P2P Lending backed by an Internal Credit System
Lend your capital for solid returns or borrow when you're short
relay
Pay for Anything Over Time
Any purchase from your power bill to those shoes you don't need