Be your own bank, without becoming your own back office
MyVaultOS gives you bank-level control without bank friction.
Compare routes, structure complex payments, approve each step and keep a complete evidence file, using modern payment and blockchain rails without exposing yourself to the complexity underneath.
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Why MyVaultOS
More than another payment app: control the whole money movement.
MyVaultOS is for people and businesses responsible for moving money who need to know the true cost, choose the right route, protect complex payments and prove what happened.
Compare routes before funds move, then choose the best available path for speed, cost, proof and reliability.
Structure milestones, progressive payments, contract files, escrow-style protections, approvals and evidence in one place.
MyVaultOS organises the movement, checks and proof while you keep control of providers, payment relationships, records and final decisions.
Use modern rails for speed, programmability and proof without handling gas, chains, seed phrases or transaction hashes yourself.
Provider route examples
Use the best available rail without learning the rail.
Route cost examples
Show the customer what the route may save before they move money.
MyVaultOS should make the comparison visible 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 target shows transparent route 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 target shows 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 simple, then add business controls when needed.
Personal users need low-cost movement and receipts. Business users add teams, approvals, supplier files and accounting exports.
Individuals, freelancers and operators who want a private money-control workspace.
- 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 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 private agentic OS for businesses that want finance admin reduced, not outsourced blindly.
- Finance support workspace
- Invoice intake and payment packets
- Supplier obligations and reminders
- Monthly operating pack
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.