VAULT is calibrated AI for your own balance sheet. Plaid-aggregated net worth, cash-flow calibration, AI-narrated weekly and monthly digests, anomaly alerts that fire when something is off — not when something is loud. Built on the NEXUS AI substrate; inherits Aequara's anti-conflict revenue and Brier-tracking discipline.
Plaid-aggregated balance sheet across accounts, calibrated against actual realized cash flow. Not the "estimated $X / month" that consumer apps invent — the real thing, decomposed by category, reconciled against bank reality, with confidence bands on the projections.
Weekly and monthly digests narrated by NEXUS. Not "you spent $42 on coffee" — actual fiduciary commentary on what the numbers mean for your trajectory. Calibrated tone: alarming when alarm is warranted, quiet when nothing's wrong, never decorative.
Alerts that fire when something is off, not when something is loud. Calibrated against your baseline; suppressed during expected variance; escalated when patterns suggest fraud, account drift, or category-shift signal. The alarm has a Brier score; the score is published.
Mint optimized for ad placements. Personal Capital optimized for advisory upsell. Copilot optimizes for engagement. VAULT optimizes for the calibrated truth of where your money is, where it's going, and what's anomalous about it. Built on the same NEXUS substrate as NPX-100. Inherits the same anti-issuer-pay firewall (no recommended-product affiliate revenue). Inherits the same Brier-tracking discipline (digest predictions get scored). Inherits the same fiduciary stack — at the architecture layer, not as features.
Plaid aggregation feeds NEXUS. AXISTRUTH provides the projection math. NEXUS narrates the digests. LUMEN surfaces the dashboards. VAULT is the user-facing composition. Five Aequara products in one trench coat — and a single anti-issuer-pay revenue model holds the whole stack.