Orbiq

Track wealth across borders. Manage multi-currency accounts, automate bank syncing, monitor remittance costs, and seamlessly share household ledger splits.

Master your money across international borders, multiple currencies, and diverse accounts with Orbiq.

Orbiq unifies your entire financial life into a single, elegant dashboard. Built specifically for global citizens, expats, immigrants, and cross-border professionals, Orbiq eliminates manual exchange-rate calculations and messy spreadsheets by treating multi-currency reality as a core feature, not an afterthought.

THE FOUR PILLARS OF ORBIQ:

1. THE MULTI-CURRENCY & FX ENGINE • Real Per-Transaction FX: Track CAD, USD, INR, GBP, EUR, and AUD using the exact historical exchange rate captured at the exact moment the transaction occurred—not a blurry monthly average guess. • Currency Lens: Instantly toggle your entire ledger view between your home currency, the original transaction currency, or any other supported currency in a single tap. • Net FX Exposure: See exactly how real-time exchange rate fluctuations help or hurt the capital you move across borders.

2. FRICTIONLESS DATA IMPORT (NO AGGREGATOR GATES) • Flexible Ingestion: Support for automated read-only bank sync for US and Canadian institutions, plus mortgage and loan amortization tracking. • Zero-Credential Manual Paths: Don't want to share passwords? Drag and drop bank PDF statements (password-unlocked locally on your device), snap a smartphone screenshot of a banking app screen, upload CSV/Excel files, or perform a 1-click historical migration from YNAB and Lunch Money.

3. CROSS-BORDER & TAX INTELLIGENCE • True Remittance Costs: Automatically detect and isolate cross-border transfers. Orbiq compares the rate you received against the real interbank mid-market rate on that date to show you the true cost of hidden fees and spreads. • Ask Orbiq AI Assistant: Ask your financial data questions in plain language ("How much did I send home last quarter?"). • Tax-Ready Helpers: Gain informational summaries for cross-border needs, such as T1135 foreign asset layouts, taxable income overviews, and realized FX gain logs.

4. COLLABORATIVE HOUSEHOLD ECOSYSTEM • Secure Sharing: Invite up to 3 household members to view your finances in a secure, read-only environment. You remain the absolute owner and sole editor of the ledger. • Granular Visibility: Control exactly what shared users see with per-member toggles for dashboards, trends, or investments. • Smart Bill Splitting: Split transactions by fixed amounts or percentages. Your personal budgets and trend lines adjust to count only YOUR share of the split, shielding your personal goals from large household expenses. • Running Balances & Chat: Track net balances across currencies, execute easy settle-ups, and utilize a light human interaction layer to nudge balances or react to household contributions.

ADDITIONAL INTUITIVE SUITES: • Subscription Watchdog: Automatically monitor recurring bills and get an immediate flag the moment a digital subscription quietly hikes its monthly price. • Investment Capital Tracking: Track exactly how fast you are deploying capital and visualize its institutional destinations via intuitive Sankey wealth flows. • Privacy First: PIPEDA-aligned architecture. Only anonymized, structure-level aggregates are passed to AI models under strict no-store policies. Sign-in is managed via secure Google or Apple protocols.

Stop pretending your life fits into a single currency. Download the Orbiq beta today and track smarter!

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