The problem
Your money is scattered. A business checking account, a couple of cards, a savings account, maybe a brokerage, and each one lives behind its own login. To know where you actually stand, you open six tabs and do the math in your head, and you do it maybe once a month if you are honest.
Fraud lives in exactly that gap. An unfamiliar charge on the card you check least often sits there for weeks, because you were never looking at all of it at once. Mint shutting down in 2024 took away the one place a lot of people had it stitched together, and card fraud losses keep climbing into the tens of billions a year. The category is wide open, and nobody wants to log into everything just to feel safe.
How it works
You link your accounts once (a normal, consented connection, the kind you already trust for other tools), and Anya, the finance acolyte, does the rest in a single pass:
- connects the provider you point it at, then syncs every linked account,
- lists every account and pulls current balances,
- pulls transactions over your chosen window and reconciles them into one clean ledger,
- rolls the whole thing up into a portfolio summary (what you have, everywhere, right now),
- and then runs a fraud watch across the entire stack, flagging suspicious amounts, unusual locations, and charges that do not fit your pattern.
It is one workflow, not seven chores. And it is read and analyze only, by construction. No step in it can move your money (the only outward action is the account link you yourself approve), so you can let it run every morning without worrying about what it might do.
What you get
- a single reconciled view of every account, refreshed on a schedule you set,
- a portfolio roll-up so you know your true position without opening a spreadsheet,
- a fraud watch that scans the whole stack at once, not one statement in isolation,
- alerts tuned to your own sensitivity, so you hear about the charge while it still matters.
Who it is for
Founders and operators whose money is spread across business and personal accounts, and households that already link their accounts and want an always-on fraud watch on top of aggregation. It is a good fit if you want one honest picture and an early warning.
It is not for you if you need the tool to pay bills or move money (this one cannot, on purpose), or if you already run a full enterprise treasury system.
Pricing
Prices below are starting hypotheses, not promises, and they will move as we learn.
- Free / dogfood: up to two accounts, weekly, fraud watch included. This is the tier AYA runs on itself.
- Personal, 12 USD per month: all your accounts, a daily fraud watch, reconciled ledger, and portfolio roll-up.
- Operator, 39 USD per month: everything in Personal, plus multi-entity roll-up (business and personal), a higher-sensitivity scan, and a scheduled aggregated statement.
Proof (we run it on ourselves)
We dogfood this. AYA the company runs the exact same workflow (AYA-6WFL-ANYA-STACK-AGGREGATOR-FRAUD-WATCH-v1) on its own operating and card accounts, and every run leaves a verification receipt behind. The aggregated view and fraud scan we would show you are the same ones we watch on ourselves, which is the only version of this claim we are willing to make.
Honest note
This is built as composition, not new code (it wires together finance capabilities Anya already has, which is exactly how we want it), and it is structurally complete and quality-scored. It is not yet proven end to end on live accounts. The underlying account adapters and the fraud-detection handler still need real credentials and a booted system to run against, and we still need to verify the fraud handler is wired at runtime (a check, not a rebuild). So today this is a real, scored deliverable with a live-proof gap that is about credentials and wiring, not about missing functionality. We would rather tell you that plainly than show you a number we have not earned.
*This page is a specification. The capability it describes is not built yet, and nothing here is a claim that it runs today.*