Kapio connects to your accounts to read them — never to touch them. Here's exactly how your data stays safe, and what Kapio does with it.
Bank-grade encryption
Your data is encrypted in transit and at rest, every step of the way.
Read-only access
Kapio reads your accounts to advise — it can never move a single cent.
Powered by Open Banking
Your bank data is retrieved securely through regulated, accredited providers.
You're in control
Disconnect any time. It's your data — always your call, never locked in.
Reads your cash flow
Live money in, out and kept — explained in plain English, in a breath.
Tracks your credit
Your score and the exact moves that lift it, watched quietly for you.
Watches your debt
Spots refinances and better rates before you'd even think to look.
Matches your finance
Lined up against our lender panel. No forms, no chasing, no lender jargon.