Banks lock you in. Apps fragment your data. Every switch costs you time, money, and history. COREFINOS is the layer that stays — connecting, protecting, and working for you across every financial service you use.
Connected to 2,500+ European banks via PSD2 Open Banking
You can change your bank. You can’t change a habit.
The Problem
- Your financial data is scattered across banking apps, card providers, and crypto exchanges
- Every bank switch means starting from scratch — losing history, integrations, and workflow
- No single app gives you a complete picture of your finances
- You spend more time managing money tools than managing money
The COREFINOS Solution
- One operating system that sits above your banks — portable, persistent, yours
- Switch banks freely. Your data, automations, and insights stay with you
- Banking, cards, crypto, and analytics unified in a single platform
- We advise, consult, operate, and protect — so you focus on living
What your financial OS does for you
We Advise
AI-powered insights, financial health scoring, anomaly detection, and personalised recommendations that help you make better decisions.
We Consult
Multi-currency analytics, spending pattern analysis, budget optimisation, and recurring payment detection across all your accounts.
We Operate
Payment automation, virtual card issuance, bank connections, and crypto wallet management — all from one platform.
We Protect
MFA/TOTP authentication, PII encryption at rest, PISP model (we never touch your money), and EU-only data residency.
Core Capabilities
Banking, cards, crypto, and intelligence — one unified operating system.
Open Banking
See every account in one place. 2,500+ European banks connected via PSD2 — your credentials never touch our servers.
Virtual Cards
Issue cards in seconds with custom limits and controls. Four providers with automatic failover for 99.9% uptime.
Crypto Wallet
Hold, spend, and convert crypto to fiat. Link your wallet to a virtual card or send directly to your bank account.
AI Insights
Know where your money goes before you ask. Automated categorisation, health scoring, and anomaly alerts.
Multi-Currency
30+ currencies with daily ECB rates. Analytics and budgets that work across every currency you use.
Payment Automation
Set rules, schedule transfers, and automate your financial workflows. Never miss a bill again.
Bank-Grade Security
MFA/TOTP, AES-256 encryption, EU-only data residency, and we never hold your money.
Four solutions, one platform
Free for everyone. Upgrade when you need more.
How it works
Get started in under two minutes.
Connect
Link your bank accounts and crypto wallets securely via PSD2 Open Banking. Your credentials stay with your bank.
Understand
AI categorises transactions, scores your financial health, and detects patterns across all your assets.
Act
Automate payments, issue virtual cards, set savings goals, and convert crypto to fiat — all from one place.
What people say
“I used to log into four different banking apps every morning. Now I open COREFINOS once and see everything — balances, upcoming payments, trends. It genuinely changed how I think about money.”
Marcus T.
Freelance Designer, Berlin
“We issue virtual cards for every project and team member. The spending controls save us hours of expense reconciliation every month.”
Sofia R.
Operations Manager, Amsterdam
“Switching banks used to mean re-doing everything. With COREFINOS, I reconnected in 30 seconds and all my history was still there.”
Ana M.
Small Business Owner, Lisbon
“As a developer, I appreciate the API-first approach. 90+ endpoints, proper event system, and provider abstraction — it’s built the way I’d build it.”
Thomas K.
Full-Stack Developer, Munich
Life before and after COREFINOS
Stop managing. Start operating.
Your financial life deserves an operating system, not another app. Join the closed beta waitlist.