Features · all shipped, none roadmap
The multi-currency money manager — every feature shipped
Moniqo is the AI-powered, multi-currency money manager — every bank, every currency, every loan and card in one private view. No bank logins required.
Accounts & currencies
Track every bank account and card in one place — in any currency. Moniqo is currency-agnostic and automatically consolidates everything into your chosen base currency using live, cached exchange rates. Each card keeps its own outstanding and available balance.
Statement import
Import the PDF and CSV statements your bank already emails you — no aggregators, no stored credentials. Native parsers for major banks (more being added), password-protected PDFs supported, and scored duplicate detection so re-imports never double-count.
Auto-categorisation that learns
Imports are matched against a 5,500+ merchant catalogue (123 banks, 251 card products, 292 MCC codes). Correct a category once and Moniqo remembers it for next time — the matcher improves from your own signal.
Receipts on the go
Snap a receipt with your phone’s rear camera. On-device OCR extracts the amount, vendor and date. Receipt files live in private storage, accessed only through short-lived signed links.
Insights that look ahead
A debt-free projection (“all loans clear by …”), monthly burn, unused-subscription detection, and a salary + rent-cheque countdown — visible on the dashboard, every day.
Ask Moniqo — your AI assistant
Ask plain-English questions about your money — “how much did I spend on groceries?”, “which subscriptions should I review?”, “what was my biggest unusual transaction?” Answered from your own data, with PII redacted before the AI ever sees it. Free in every account, with a sensible monthly limit.
Anomaly detection & budgets
Spend well above your own 90-day pattern? You get an alert before it compounds. Plus split transactions, free-form tags, and per-category budgets with 80% / 100% warnings.
Privacy by architecture
No data aggregators. AI monthly insights receive only PII-redacted aggregates — a CI rule fails the build otherwise. Operator access to your data needs your OTP consent and is recorded in an append-only audit log.
Export & ownership
Every list has a CSV/JSON download, a full account export is one click away, and account deletion has a 30-day grace period. Your data is always yours to take.
Locales
English (en-AE, en-IN) and Arabic with full right-to-left layout. New regions and bank parsers being added continuously.
Read the privacy architecture at /security · see how it works.
On the roadmap · not yet live
Coming soon
Where Moniqo is heading. We only put things in the list above once they’re actually shipped — here’s what we’re building next.
Cash-flow forecasting
See likely shortfalls and upcoming squeezes before they happen, not just after.
Business & freelancer tools
Invoices, reimbursements and expense reports for people running a side business or a small team.
Field-level encryption
Sensitive fields encrypted at rest, so even direct database access reveals nothing in plaintext.
Native iOS & Android apps
Moniqo is web-first (and installable) today; dedicated app-store apps are on the way.
One private view of all your money.
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