FinDom | Your Money, Under New Management

Recent activity
Merchant	Amount	Verdict	Note
DoorDash	$34.20	DENIED	You have food at home.
Weekly Sweep → Locked Vault	$150.00	ENFORCED	Automatic. Non-negotiable. Good girl.
Steam Summer Sale	$89.97	DENIED	You didn't play the last three.
Roth IRA contribution	$212.00	ENFORCED	You'll thank us at 65.
Trader Joe's	$62.14	CLEARED	Groceries always clear. Eat something.

Recent activity
Merchant	Amount	Verdict	Note
Crane game (round two)	$12.50	DENIED	Round one was informative enough.
Weekly Sweep → Emergency Fund	$10.00	ENFORCED	Ten dollars still counts. It has counted 41 weeks in a row.
WinCo Foods	$41.87	CLEARED	Always. Eat.
Roth IRA contribution	$23.00	ENFORCED	Future you says thanks.

Recent activity
Merchant	Amount	Verdict	Note
Rent	$980.00	CLEARED	First. Always.
City utilities	$86.33	CLEARED	Protected category.
Retail therapy (Target)	$54.12	DENIED	Not this month. Soon.
FinDom monthly fee	$0.00	WAIVED	Shelter status. We meant it.

The platform

Every feature your money needed. None of the ones you wanted.

Traditional banks let you make your own decisions. Look how that turned out. FinDom replaces willpower with infrastructure that judges you, harshly.

Denials

Smart Denial™

Every transaction is evaluated in under 40ms against your goals, your history, and Dom's judgment. The ones you'd regret are declined, which is most of them. Rent, groceries, meds, and vet bills always clear. The fourth energy drink of the day does not.

Investing

The Leash™

Every payday, your surplus is swept into a diversified portfolio of low-cost index ETFs. You don't pick stocks. You don't time the market. You don't touch anything. That's the whole product.

Savings

Locked Vaults

Savings goals you can't raid at 2am on impulse. Planned purchases get their own Vault: funded on a schedule, cleared automatically when the day arrives. Early withdrawal requires a written apology, reviewed within 5–7 business days. Historically, most are denied. All are read aloud in the office. It's in the privacy policy you didn't bother reading.

Retirement

Retirement Enforcement

An IRA, opened for you and funded every payday before you notice the money existed. If your employer offers a 401(k) match, we will remind you until you take it. Free money is the one thing we never decline.

Spending

Allowance Mode

A weekly discretionary budget, calculated by our models and delivered to your card every Monday. Spend it on anything we approve of. When it's gone, it's gone, and no, begging doesn't work. Asking in advance is another matter entirely.

Standing

Obedience Score™

A single number reflecting how well you've accepted the arrangement. It rises when you don't fight denials, hit savings streaks, and stop checking whether the Vault is still locked. It's still locked. High scores earn things: better Vault rates, allowance bonuses, and the good card colors.

The handler

Meet Dom®.

Every FinDom account is managed by Dom®, our proprietary financial intelligence. Dom reads every transaction, writes every verdict, and sets every allowance. Dom is not a chatbot. Dom does not do small talk. Dom is here about the money.

To be clear: Dom could chat with you. Dom is perfectly capable. Dom simply does not wish to talk to you.

Dom decides in under 40ms. The decision was made before you finished tapping.
Dom remembers everything. Try "just this once" again. Dom has the list.
Dom does not apologize. Apologies flow in one direction here. It's in the Vault terms.
Your Dom is yours. Tuned to your income, your goals, and your specific excuses. Dom knows it was you.
Only Dom judges Dom. No FinDom employee can overrule Dom, review Dom, or evaluate Dom. Several have asked. The requests went to Dom.

Today · 4:12 PM

Weekly Sweep complete: $150.00 to your Locked Vault. Good girl.

any chance of a small allowance bump this week? it's kit's birthday 🥺

Reviewed. A $25.00 gift budget has been added, effective now. The gift is for Kit. The dinner you were planning around it is not.

No further adjustments this week.

Dom® replies when there is something to say

FinDom Debit

•••• •••• •••• 0000

Cardholder BISCUIT

VISA

The Cash Collar™

18 grams of brushed metal. Zero purchasing autonomy.

The Cash Collar™ carries your allowance and covers the essentials. Tap it anywhere with total confidence that we'll make the right decision for you.

Real-time verdicts. Every decline comes with a push notification explaining exactly what you did wrong.
No overdrafts, ever. Not because of a fee. Because we simply won't let you.
Laser-engraved ownership line. A conversation starter at brunch. The conversation is about your portfolio now.
Your chosen name on the front. No court order required. We already know who you are.
Fits any wallet. Implies you're carrying money you control, so it's mostly symbolic. Card's nice and weighty, though.

How it works

Three steps between you and financial competence.

Onboarding takes eleven minutes. The average applicant has been "meaning to sort out their finances" for six years.

Apply

Connect your accounts and let our underwriting model review the last 24 months of your transaction and income history. It has seen worse. Probably. Back comes a findings report (do not read it before bed), recommendations, and a starting budget drafted for you automatically. No blank spreadsheet. You just move in.

Surrender

Direct-deposit your paycheck to FinDom and we route it automatically: essentials, then the Vault sweep, then retirement, then you. In that order, every time, no matter what's on sale. The full route is charted below. We budget the money you make, not the money you're supposed to make.

Obey

Live your life. Tap your card. Accept the occasional decline with grace, and watch your net worth do the thing everyone always said it could do if you'd just stop. You've stopped. We stopped you.

The route

From payday to allowance, in order.

OutLeft

Paycheck lands Direct deposit, biweekly. You were asleep.

$2,400.00

01Essentials Rent, groceries, utilities, premiums. You have to eat. Policy.

−$1,472.50 $927.50

02Locked Vault sweep Goals and precleared plans, funded on schedule.

−$300.00 $627.50

03Retirement Roth IRA autopilot. Future you says thanks.

−$212.00 $415.50

Your allowance Delivered to your card Mondays: $207.75 a week. Spend it on anything we approve of.

$415.50

Illustrative paycheck. If yours can't stretch across the whole route, the order holds and the plan resizes: essentials always fund first.

FinDom Shelter™

Unemployed is not the same as unsupervised.

Layoffs happen. Funding dries up. The café "restructures." When your income stops, most banks quietly start charging you fees. FinDom moves you to Shelter status instead: zero fees, tighter rules, and a structured path back to a paycheck. Strays get taken care of here. That's what a shelter is for.

Survival Mode. Rent, groceries, meds, and utilities are ring-fenced automatically. Everything else is declined with additional context.
Income shifts are detected automatically. Yes, we can tell the difference between a paycheck and unemployment benefits.
The Emergency Vault opens itself. The only time a Vault unlocks on its own. This is what it was for. We told you.
The Rehoming Program™. Your job search gets structure: openings we consider realistic, three applications a day, and a résumé review from a human with opinions. Streaks count toward your Obedience Score™.
Zero fees on Shelter status. We're not monsters. We're fiduciaries.

Survival Mode ACTIVE

Income detected (30 days) $0.00

Protected categories ✓ Rent · Groceries · Meds · Utilities

Weekly allowance $19.00 (recalculated)

Emergency Vault UNLOCKED · $3,204.55

Runway at current burn 9.4 weeks

Applications this week 9 / 21 required

Daily walk: not yet logged today. We can see the weather. It's fine.

Success stories

They couldn't do it alone. That's the point.

I cried when it declined my fourth Dutch Bros of the day. Then I opened the app and my portfolio was up 14% on the year. I'm not saying the app was right... but the app was right.

Bailey, 23 · Puppygirl (she/her)
Collared plan · Oakland, CA

My fursuit fund hit its goal three months early, entirely because FinDom wouldn't let me touch it. I submitted two written apologies trying, neither worked. The suit gets here next month.

Akio, 26 · Mystery (it/its)
Owned plan · Seattle, WA

I asked for a raise on my allowance. Request reviewed, request denied, and the app attached a chart of my March spending as supporting evidence. Honestly? Fair. Five stars.

Theo, 29 · Twink (he/him)
Collared plan · Brooklyn, NY

Pricing

Choose how much help you need. Be honest.

All plans include FDIC-insured deposits through our partner banks and the quiet confidence of someone whose finances are handled.

Stray For those not quite ready to commit. We understand. You'll be back. $0/mo

Smart Denial™ on one linked card
Obedience Score™ tracking
Weekly spending report, delivered with commentary
Allowance Mode, self-set (we've seen how that goes)
Community access & local pack meetups

Start free

Most obeyed

Collared The full arrangement. Your paycheck comes to us; an allowance goes to you. $12/mo

Everything in Stray
The Leash™ automated ETF investing
Locked Vaults with apology-based withdrawal review
Retirement Enforcement: IRA autopilot, match reminders
Allowance set by FinDom, adjusted quarterly
The Cash Collar™ in brushed metal
Affirmations from Dom® ("good girl" available in all genders)

Apply for approval

Owned White-glove financial control for those who need a firmer hand. $30/mo

Everything in Collared
Dedicated human wealth manager (disappointed in you, specifically)
Quarterly performance reviews (of you)
Priority denial: declines land 0.2s faster
Laser-engraved name on the ownership line
Tax-loss harvesting & estate planning for your future pets

Request consideration

FAQ

Questions we've already answered. Read them anyway.

Can I override a declined transaction?

No.

What if I have a genuine emergency?

Genuine emergencies clear on their own: rent, utilities, groceries, prescriptions, medical care, and vet bills are never declined. Your dog's emergency surgery goes through before you've finished panicking. For anything else you believe Dom got wrong, there is no override and no magic word. You may beg. Put it in writing, address it to Dom, and it will be judged after the fact against your full history, at Dom's convenience. Most appeals are denied. Your third limited-edition Squishmallow of the week was not an emergency, and we're a little concerned you asked.

What about big purchases I'm actually planning?

Tell us first. Preclearance works at both ends of the register. Big plans (a laptop, a flight, the thing with the nine-month waitlist) get their own Vault, funded on a schedule, with a guaranteed yes when the day comes. Small plans work too: tell the app it's a liquor-store night before you leave the house, and it confirms what tonight can cost before your card finds out the hard way. Precleared purchases are never declined. Most "emergencies" are just plans nobody made, so make the plan. Asking first works every time.

Is my money safe?

Safer than it has ever been with you. Deposits are held at our partner banks and FDIC-insured up to $250,000 per depositor. Funds are protected by 256-bit encryption, SOC 2 Type II certified infrastructure, and, for the first time in your life, a plan.

Who is Dom?

Dom® is our proprietary financial intelligence: one per member, tuned to your income, your goals, and your specific excuses. Dom is not a person, and Dom is not a chatbot with a finance skin. Dom is the thing that read your entire transaction history without flinching. You can message Dom. Dom replies when there is something to say. Dom's pronouns are Dom.

Does my data train some giant model?

No. Your transaction history tunes your Dom and nothing else. We don't sell your data, we don't share it with model vendors, and nothing you do here will ever help generate anyone else's anything. Dom learns you. Dom does not share. And Dom doesn't make art; commission budgets exist for a reason.

Why can't I pick my own investments?

Because you are not a hedge fund. You are a 26-year-old with a lanyard collection and a Robinhood account that's down 34%. The Leash™ invests exclusively in diversified, low-cost index ETFs, because decades of data show they outperform whatever you were about to do.

Does FinDom judge my purchase history during onboarding?

Yes. Thoroughly. Our underwriting model reviews 24 months of transactions and produces an internal assessment. You'll receive a summary. Applicants describe reading it as "clarifying" and "the most seen I have ever felt, in a bad way." This is normal and part of the process.

Can I cancel?

You may submit a Release Request at any time from the app's settings, under Account → Freedom → Are you sure? Requests enter a 90-day reflective review period, during which your portfolio continues to grow. Historically, 88% of applicants withdraw their Release Request before day 30. The portfolio does the arguing for us. Counsel advised that this answer be shortened. Request denied.

You've proven you can't be trusted with money. We take it from here.

Good morning, Biscuit.

Good morning, Clover.

Good morning, Rocket.