Cheaper routes. Faster movement. Your money stays yours.
Control your money movement without becoming your own back office.
MyVaultOS shows the cheapest practical route before you send, strips out the complexity of modern payment rails, and keeps approvals, receipts and security evidence in one private money workspace.
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Why MyVaultOS
Stop guessing which bank, app or wallet route is best.
MyVaultOS is for people and businesses who want lower cost, faster settlement, less admin and a cleaner proof trail without giving a bank or exchange control of the whole money movement.
Compare bank, provider and wallet routes before money moves, with fees, FX, timing and cash-out friction visible upfront.
Choose the route that fits the job: fastest, lowest cost, strongest proof, cash-out available or approval required.
MyVaultOS organises checks, files and proof. You keep control of wallets, providers, approvals and final execution.
Private records, approval trails and evidence packs sit in your workspace. MyVaultOS never asks for seed phrases, private keys or provider passwords.
Simple front door
One workspace for bank routes, provider routes and wallet routes.
Provider route examples
Use the best available rail without learning the rail.
Connected money stack
Connect the wallets and providers you actually use.
MyVaultOS is designed around many concurrent wallet and provider references, not a single account view. Users can connect available APIs, import records or attach proof while keeping final control with their own wallet, bank or provider.
Track personal wallets, business wallets, Wise, Airwallex, bank routes and card providers side by side in the same workspace.
Wise and Airwallex data can be pulled through approved API credentials, consent flows, balances, transfers and provider status updates.
Users can still attach statements, quotes, invoices, confirmations and receipts so the file remains complete.
MyVaultOS records references, approvals and evidence. It does not ask for private keys, recovery words or provider passwords.
Personal AI agents
Let your AI assistant help, without giving it the keys.
Connect a personal AI agent to your MyVaultOS workspace so it can prepare files, check context, draft support requests and ask for approvals. It gets scoped access, not your account login, and it cannot move money in the background.
Connect a personal agent to help read files, prepare drafts, open support tickets and request approvals inside your workspace.
Agents receive their own revocable credential with selected permissions. Your password, provider login, seed phrase and private keys are never shared.
Agents can prepare payment files, route checks and approval requests, but money movement, provider handoff, billing changes and commitments stay human-approved.
Agent reads, drafts, tickets and approval requests are tied back to the workspace so the record stays clean for teams, support and proof packs.
How it works
From contract or invoice to proof pack in one transaction file.
The workspace keeps the job understandable end to end: what is owed, who approves it, which route is used, where execution happens and what proof comes back.
Add wallet, bank and provider references with the access level the user approves.
Set the contract, supplier invoice, private loan schedule, bill or protected-payment condition.
View cost, timing, provider limits, approval requirements and proof quality before money moves.
Use the workspace approval card to confirm amount, recipient, route and release conditions.
The user wallet or selected provider executes the transfer. MyVaultOS does not custody funds.
Receipts, provider status, uploaded proof and exports land back in the transaction record.
Operating files
Built for complex contracts, payments and private loan servicing.
MyVaultOS gives each obligation a clear record: contract terms, payment schedule, approvals, route options, receipts, release evidence and exportable proof.
Route cost examples
See the hidden cost before you press send.
MyVaultOS puts the decision in one place: amount, corridor, typical cost, routed cost, saving, ETA/status and proof pack. These are worked examples using published benchmarks plus editable assumptions.
USD to PHP$1,000 family payment
- Typical cost
- $63.60
- MyVaultOS routed cost
- $8.26 to $12.65
- Potential saving
- $50.95 to $55.34
Proof keptQuote, recipient amount and receipt
World Bank 6.36% global remittance average vs Wise published USD-PHP direct debit / bank transfer example.
International business transfer$10,000 supplier payment
- Typical cost
- $245
- MyVaultOS routed cost
- $50 to $100
- Potential saving
- $145 to $195
Proof keptInvoice, approval and transfer reference
Illustrative bank path using $45 international USD wire plus 2.0% FX spread assumption; MyVaultOS route comparison shows a transparent modelled range at 0.5%-1.0%.
High-value cross-border$50,000 import payment
- Typical cost
- $1,545 to $2,545
- MyVaultOS routed cost
- $250 to $500
- Potential saving
- $1,045 to $2,295
Proof keptTrade file, release note and audit export
Illustrative bank path using $45 wire plus 3%-5% total FX/intermediary drag; MyVaultOS route comparison shows a modelled 0.5%-1.0% routed cost.
Sources: World Bank Remittance Prices Worldwide 6.36% global average; Wise USD to PHP public pricing example; Bank of America / published bank wire fee examples. Larger-transfer FX drag is an editable model assumption and varies by bank, provider, currency, compliance status and cash-out route.
Plans
Start with a private money workspace. Add business controls when needed.
Personal users need cheaper routes, faster movement and receipts. Business users add teams, approval rules, supplier files and operating evidence.
Individuals, freelancers and operators who want cheaper routes, faster options and clean proof without bank lock-in.
- Vault or cold-wallet reference dashboard
- Fiat Pocket view
- Protected payment files
- Receipts, notes and export packs
Small teams transacting internationally without wanting a bank at the centre of control.
- Multi-user workspace
- Signer approval records
- Supplier and payment files
- Approvals, invoices and proof packs
A private finance operating layer for owners who want route visibility, accounting, treasury and workflow together.
- Private business admin workspace
- AP/AR and cash-flow dashboard
- Vault and fiat route view
- Evidence archive
A higher-touch support layer for businesses that want finance admin reduced while keeping decisions and evidence under control.
- Finance support workspace
- Invoice intake and payment packets
- Supplier obligations and reminders
- Monthly operating pack
Help
Questions and support live outside checkout.
Software boundary at a glance
The product boundary is software, records, approvals and evidence.
This section is only the public summary. The full Terms and Privacy Policy are separate long-form documents written around software access, user-controlled wallets, provider routes, billing, evidence records, support and data handling.
MyVaultOS provides records, approvals, routing visibility, evidence, exports and agent workflows. Users control wallets, keys, payment providers and execution.
MyVaultOS does not receive, hold, pool, transfer, exchange, lend or invest customer funds. Live movement requires the user or the user-approved provider to execute.
Wallet providers, Coinbase, Wise, Airwallex, business-admin tools, hardware vendors and future payment providers operate under their own terms, compliance checks and availability.
Escrow-style flows are non-custodial protected payment contracts with user-approved release rules, not MyVaultOS holding money for either party.
Cold wallets are sold as security equipment. MyVaultOS does not store seed phrases, recover private keys, guarantee device security or control signer approvals.
Business users remain responsible for taxes, accounting treatment, counterparties, sanctions, KYC/KYB obligations and local law before using any rail.