How it works
From payday to plan, without the managing.
Oiko is a personal finance app built on USDC and USDT stablecoins on NEAR. You never need to know that to use it, but here is how it fits together.
1. Claim your name
Pick a name like steve. In under a minute Oiko creates steve.oiko.near (your identity, with your keys on your device) and your account, vault.steve.oiko.near, where your money lives. No seed phrase to write down.
2. Share your pay link
Anyone can pay /pay/steve. They choose where their money is now, for example USDT on TRON or USDC on Base, and get an address and exact amount. NEAR Intents converts it and delivers USDC or USDT to your account.
3. Your plan runs
When money arrives it is split by your plan into pots: Spend for now, Bills, Savings, Goals, and Locked pots that only open on their date. Payments are noticed even if nobody pressed a button: anyone can ask the account to sync, and it is safe to ask twice.
4. Pay, save, withdraw
Pay bills, move between pots, or withdraw from Spend to an exchange or another account. Every money action shows the amount, the source pot, where it goes and the fees in one sentence before you confirm.
5. Let your agent help
Connect the AI agent you already use through MCP or the REST API. It gets its own limited key: read only, suggest only, or act within caps and payees you choose. Disconnect revokes it at once.
What runs where
On NEAR: your name, your account and its rules (pots, plan, locks, caps, bills, ROSCA savings). In your browser: your keys. On Oiko’s servers: a relayer that pays transaction fees for you, the pay-link service and the agent gateway. None of them can move your money.
Read the Trust page for code fingerprints, contract accounts and risks.