Early access 2026Backup for your moneyUS / Canada47 slots remaining
001 —
Index

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default.

The first money app that builds and grows the emergency fund you've never had. Automatically.

Artopay finds your overspending, designs a plan to cut it, and runs that plan for you — returning $300–$600 to your account every month. Around $10,000 in two years.

A / Reserve
~$10K
Average emergency fund built within 24 months.
B / Setup
3MIN
From download to first plan running.
C / Network
36K+
Fee-free ATMs across the US and Canada.
D / Cost
$0
Hidden fees. Incentives aligned by design.
36,000+ fee-free ATMsSOC 2 Type IIISO 27001Read-only access$0 hidden feesUS / CanadaBlackRock · Vanguard~$10K in 24 months
002 — Modules

A system, not a feature list.

Six modules on one runtime. Enable what you need, disable the rest. Your identity stays separate from your data.

M.01

MoneyNet

Every bank, card and account in one view. No app-hopping, no mental arithmetic.

M.02

Budget

Next month mapped today — rent to ramen, every payment planned in advance.

M.03

SmartCard

Planned payments execute automatically, under your supervision.

M.04

Tracker

Plan against actuals across all accounts, every day. Signal, not noise.

M.05

Credit

Reports filed automatically as you follow the plan. Zero manual effort.

M.06
Soon

Invest

Diversified funds from BlackRock and Vanguard. Savings into long-term wealth.

003 — Method

Three minutes. Then automatic.

Artopay connects to the accounts you already hold. Read-only access, revocable at any time.

  1. 01

    Download

    App Store or Google Play. One tap to begin.

    ~10 sec
  2. 02

    Verify

    Government ID and a selfie. Confirmed and protected.

    ~60 sec
  3. 03

    Connect

    Link accounts. Read-only. SOC 2 / ISO 27001.

    ~90 sec
  4. 04

    Relax

    Artopay runs the plan and reports back. Money stays yours.

    Ongoing
004 — Pricing

Pays for itself. Measurably.

An extra $300–$600 retained monthly. Plans cost less than a streaming subscription.

Essential
For getting started
Free
No card required
  • Smart Card & account
  • Wallet & transfers
  • 36,000+ fee-free ATMs
  • Personal financial advisor
Join Essential
Soon
Ultra
Waitlist open
$35 CAD/mo
  • Everything in Advanced
  • High-Interest Super-Account (coming soon)
  • Smart Investments engine (coming soon)
  • Long-term wealth builder (coming soon)
Join Ultra waitlist