Personal financemeets personal intelligence.
Get paid from anywhere. Plan every bit, pay your bills, save for what matters. Let your own AI agent help, on limits you set.
One account that runs your money for you.
Oiko is a personal finance app. You get paid, Oiko sorts it, and the AI agent you trust can help, only inside the lines you draw.
Get paid by name
Claim your name and share one link. Clients, friends and family pay it from wherever their money is, and it lands in your account.
Your pay link
/pay/steve
USDT on TRONUSDC on BaseUSDT on BNBA plan for every payment
Bills, savings, goals and spending money. Every payment is split the moment it arrives, so payday sorts itself out.
If you get paid 100 USDT: 30 to Bills, 20 to Savings, 10 to Laptop, 40 to Spend.
An agent on a budget
Connect the AI agent you already use. It can read, suggest or pay, but only up to your caps and only to people you allow.
This week70 / 120 USDT3 allowed payees · expires 1 March
Most money apps make you do the managing. Oiko does it the moment you get paid.
Try it right here
See it work before you sign up.
Three small tools built from the real app. Nothing here touches real money.
Get paid by name
Pick a name. Share one link. Anyone can pay it from wherever their money is.
A friend pays with
- Waiting for your payment
- Received
- Delivering
- Done
Watch your plan run
Set your plan once. Every payment that comes in is split the moment it lands.
You get paid
If you get paid 200 USDT: 60.00 to Bills, 40.00 to Savings, 20.00 to Laptop, 80.00 to Spend.
Give an agent a budget
Your agent can pay, but only who you allow, only up to your cap. Disconnect any time.
0 of 100 USDT used this week
Most apps hold your money.
Oiko gives it a home only you can open.
- Who holds your money
- A typical money app: The company, in its own accounts
- Oiko: You. Your account has no keys anyone else can use
- Can the company freeze or move it
- A typical money app: Yes, whenever it decides to
- Oiko: No. Oiko has no admin key and the code cannot be changed
- Locked savings
- A typical money app: A setting someone can switch off
- Oiko: Enforced by code. Not you, not Oiko, nobody opens it early
- Letting an AI help
- A typical money app: Share your password, or nothing
- Oiko: A separate key with caps, payees and an expiry. Revoke in one tap
Made for the money in your actual life.
Freelancer invoices, paid from anywhere
Send a client an invoice link. They pay from wherever their money is, you see it marked Paid, and your accountant gets a clean CSV.
Monthly bills
Your Bills pot fills every payday. Pay on the due day yourself, or let your bill payer agent do it.
Saving for a laptop
A goal with a target and a date. Oiko shows when you will get there at your current pace.
A rainy-day fund
Locked until the date you choose. On a bad day, nobody can open it early, not even you.
ROSCA savings with friends
Rotating savings where the order and contributions are enforced by code, not by trust in one organiser.
Family sending by name
Your aunt pays steve, not a long account number. It arrives split by your plan.
Agents
Give an AI a budget, not your keys.
Oiko has no built-in AI. Bring the agent you already use and decide exactly what it may do. Your account enforces it.
1 · Consent
You say yes in plain words.
Before anything connects you see what it can read, what it can do, how much and until when. Oiko warns you that it cannot verify who runs the agent.
Let “Bill payer” help with your money?
Oiko cannot verify who runs this agent. Only connect agents you trust.
See your balances and billsPay your bills, up to 120 USDT a weekOnly to people on your listUntil 1 March, or until you disconnectIt can never take money out to itself or change these limits.
Allow with these limits2 · Limits
Caps it cannot cross.
Per payment, daily and weekly caps, and a list of who it may pay. Your account itself refuses anything outside them.
Agents
ActiveBill payer
Can pay bills · 3 payees
Per payment45 / 60 USDTToday45 / 60 USDTThis week70 / 120 USDTAllowed payees
Metro PowerLandlord · rentBrightline FibreDisconnect3 · Proposals
It asks before it acts.
Give it suggest-only access and every idea waits for your Approve, with the agent’s reason in quotes.
Waiting for you
Money coach suggestsMove 40 USDT from Spend to Laptop.
“You spent less than planned this week. This keeps the laptop on track for June.”
RejectApproveProposals never move money until you tap Approve.4 · Activity
Every action on the record.
See what it read, what it paid and what was refused. Disconnect revokes its key immediately.
Activity
−25.00Paid Metro Power
Bill payer · agent
+300.00From Sam
Your plan ran: 4 pots
40.00Moved to Laptop
You approved Money coach
0.00Refused: gadgets.shop
Not on the allowed list
−45.00Paid rent
Bill payer · agent
Developers
Let any agent manage money safely.
One MCP server and a small signed REST API. Every request is checked against the limits the person set, by their own account.
Run the MCP server
- MCP over stdio or streamable HTTP
- Every request signed with the agent’s own key (NEP-413)
- Caps, payees and expiry enforced by the person’s account
- Suggest-only mode: proposals wait for the person to approve
import { gatewayAuthHeader } from "@oiko/sdk";
const path = "/api/agent/overview";
const auth = gatewayAuthHeader(
agentKey,
"vault.steve.oiko.near",
"GET", path, "",
);
const res = await fetch(oikoHost + path, {
headers: { Authorization: auth },
});
// balances, pots, plan and bills,
// each with a plain-English _help
const overview = await res.json();More in Oiko.
Insights
Money in, money out, what you saved and your savings rate, month by month. Your agent can read it too.
Goals and locks
Name a goal, set a target, and lock it until a date if you want. A lock only the date can open.
Earn (variable rate)
Switch on Earn for a pot and it is lent out to earn a variable rate. You can switch it off any time the lending pool has room.
Rates change and can go to zero. Lending carries risk.
Nobody in the middle.
No company sits between you and your money. Here is what that means in practice.
An account only you control
Your money sits in your own account. Oiko cannot move it, freeze it or spend it.
Locks only the date can open
Locked pots are enforced by code with no upgrade switch. Nobody can open them early.
Agents inside your limits
Agents get their own key with caps, payees and an expiry. Disconnect revokes it at once.
Code you can check
Open source, with the account code fingerprint published on the Trust page.
Questions, answered plainly.
Is Oiko a crypto app?
Oiko is a personal finance app. Under the hood, your money is held as USDC and USDT stablecoins in an account on NEAR that only you control. Stablecoins track the US dollar but are not dollars or bank deposits, and they carry risks.
Is this a bank?
No. Oiko is not a bank and your balance is not insured. It is software that runs an account only you control, with rules you set.
Are these dollars?
No. USDC and USDT are stablecoins designed to track the US dollar. They are not dollars and are not bank deposits. They can lose their peg and issuers can freeze them.
Where does yield come from?
Only if you switch on Earn for a pot. That pot is lent on Rhea, a lending market, and borrowers pay interest. The rate is variable, shown as today’s rate, and can go to zero. Before lending, your account checks the pool is not too busy, so you can usually take money back out. That is a safeguard, not a guarantee.
Can Oiko freeze my money?
No. Oiko has no admin key to your account and its code cannot be upgraded. Locked pots open on their date and not before, for anyone, including you and us.
What if an issuer freezes funds?
Circle (USDC) and Tether (USDT) can freeze their own stablecoins at any address. Oiko cannot prevent or undo that. It is a real risk of holding stablecoins.
Do you hold local currency?
No. Oiko only holds USDC and USDT. There is no bank account and no local-currency balance.
What about regulation?
Oiko is not a licensed financial service and does not hold your money for you. Rules differ by country, so check what applies where you live before using it with real money. Nothing here is investment, legal or tax advice.