Centiv - Own Your Money

Centiv is your AI-powered money agent — a personal finance app that helps you understand where your money is actually going, kill the subscriptions you forgot about, and build financial wellness without the lectures.

Connect your bank securely through Plaid, and Centiv's six AI agents go to work for you:

— Coach: your AI financial advisor. Ask anything in plain English: "Where did most of my money go this month?", "Can I afford this trip?", "What changed about my spending?"

— Sentry: spots subscriptions, free trials about to charge, and unusual transactions before they hit you.

— Sage: surfaces patterns, projections, and what your spending says about where you're headed financially.

— Ace: interprets your ¢Score (Centiv's financial wellness score) and tells you exactly what would lift it.

— Warden: handles debt and high-interest drains. Calm, never scary.

— Clerk: keeps the books straight in the background.

Built around the principle: Live your life. Centiv supports your choices and adds context — never grades them.

Centiv Premium ($10.99/month or $99.99/year) unlocks unlimited connected accounts, the full ¢Score breakdown, Household Mode, investment tracking, daily insights, and long-press voice control with Coach.

Free Forever (Centiv Freemium): Connect 1 bank account, all 6 AI agents, weekly Money Persona, ¢Score, and the "What If" simulator. No credit card required.

Bank-grade security: We use Plaid for read-only bank connections. Centiv never sees your banking password. Data is encrypted at rest (AES-256) and in transit (TLS 1.2+). We do not sell your data, and we do not use your financial data for advertising.

Privacy: https://centiv.app/privacy
Terms: https://centiv.app/terms
Support: support@centiv.app