Most budgeting apps open with the same onboarding step: connect your bank account. For a certain group of people, that's where the process ends — not because they can't, but because they won't hand over those credentials to a third-party app.
moneasy is Niixo's attempt to design around that constraint.
The app has two entry points. First: point your camera at a receipt. Apple Vision Framework and Gemini 2.5 Flash handle the OCR — line items, amounts, categories. Second: say "moneasy 記録" to Siri. Apple Speech picks it up, the transaction logs.
No bank login. No OAuth flow. No third-party service in the data path.
There's no bank API. Transactions don't pull in automatically. If you need that, moneasy isn't the right fit — and it's better to say that plainly than have someone frustrated after paying.
CSV import is the alternative. For people who already manage finances in a spreadsheet, that manual step is probably already part of the routine.
CloudKit sync keeps everything private — no external server in the data path. The architecture fits the design intent.
It's built for people who track spending manually and want to lower the friction, not outsource the decision-making. The absence of bank sync is the feature for the intended user and a dealbreaker for everyone else. That's a fine trade-off, as long as it's stated up front.
¥450/month or ¥5,000/year, 30-day free trial.