We built a budgeting app that skips the bank login — here's the trade-off

Niixo launched moneasy, a budgeting app that avoids bank login by using Apple Vision Framework and Gemini 2.5 Flash for receipt OCR and Siri for voice entry. Transactions are stored via CloudKit sync without external servers, targeting users who prefer manual tracking. The app costs ¥450/month or ¥5,000/year with a 30-day free trial.

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.