backupyour money.before they do.
MANAPAYOUT is a money operations console. Every dollar tracked. Every plan auditable. Banks profit when you borrow — you profit when you keep. ~$10,000 saved by year two, zero lifestyle change.
three steps.
zero magic.
From signup to first dollar saved, the journey is short. No financial advisor calls, no spreadsheets, no behavior-change workshops.
connect accounts
Link banks, cards and investments via read-only OAuth (Plaid in the US, Flinks in Canada). MANAPAYOUT sees balances and transactions — never credentials, never moves money.
analyze patterns
We scan 90 days of transactions. Surface overspending, recurring waste, forgotten subscriptions. Build a personalized plan around your actual habits — not someone else's idea of a budget.
run on autopilot
The Smart Card executes the plan. You supervise from the dashboard. Hundreds back in your pocket every month, $10K emergency fund inside two years — without lifestyle changes.
load everything.
run nothing.
Six processes. One kernel. Toggle them on and off like daemons — MANAPAYOUT only runs what you authorize. Identity stays separated from transaction data at the storage layer.
price. plan.
done.
Three tiers. One subscription. No interchange kickbacks, no data resale, no in-app upsells — the cost line is the only line. Cancel from the terminal, refund pro-rated.
Read-only ledger across linked institutions. Audit log of every dollar in and out. Smartcard, account, wallet, fee-free transfers, 36,000+ ATMs.
~ start with reconAdds the runtime: automated budgets, scheduled payments, daily reconciliation, score builder. The full money kernel on autopilot. One invoice. No monthly nickel-and-diming.
~ select opsAdds capital ops: high-yield super-account, automated index investing, the compound engine. Cash and capital under one console.
~ join capital waitlistquestions.
answered.
The things people actually ask before joining a money app. If yours isn't here, email us — we'll answer fast.