A bank statementthat finallyexplains itself.

Yes. Mint showed you charts and left you to interpret them — then shut down. UniFied AI explains what your numbers mean and tells you what to do next, through an AI coach grounded in your actual spending, not generic advice.

Yes. UniFied AI connects through Plaid — the same technology behind Venmo and Robinhood — so your bank credentials go to your bank, not to us: UniFied AI never stores your bank username or password. The connection is read-only, which means UniFied AI cannot move, hold, or transfer your money, and you can disconnect an account at any time.

Never. Your subscription is our primary revenue. We don't sell data, serve ads, or accept payment to recommend anything — if you ever choose a product we suggest, any referral fee is disclosed, and it never changes what we recommend.

Anything that connects through Plaid — thousands of US banks, credit unions, credit cards, and investment accounts. If your bank has an app or online portal, it's almost certainly supported.

Public launch is planned for Q4 2026, starting on iOS. Joining the waitlist gets you early access before the general public, plus your first month completely free — no credit card required.

Yes — that's UniFied AI's Card Wallet Optimizer. It looks at your actual spending and tells you the best card you already own for each purchase: groceries, gas, dining, subscriptions, travel. At launch it only recommends cards in your wallet — no applications, no sales pressure. If we ever recommend new cards later, recommendations will be ranked solely by your spending and best fit: no one can pay to be recommended, and any referral fee is disclosed and never affects the ranking.

No — and that's by design. UniFied AI connects to your existing bank, credit, and investment accounts through Plaid with read-only access. It can see balances and transactions so it can explain them, but it cannot move money, cannot make payments, cannot hold funds, and never stores your bank username or password. When it suggests a money move, you make it yourself in your own bank.

$7.99 per month, or $79.99 per year. Your subscription renews automatically at the end of each term, and you can cancel any time from Settings in no more steps than it took to sign up. Waitlist members get their first month free, and no credit card is required to join the waitlist. That's the business model: subscription-first, with no ads, no data sales, and no paid placements. You're the customer, not the product.

Mint shut down, leaving about 3.6 million active users (of 25 million registered) without their budgeting home. UniFied AI is built for what comes after tracking: an AI financial coach that doesn't just show you charts — it explains your money, catches problems before they cost you fees, and coaches you through decisions in plain language.

Your data is encrypted in transit and at rest, and it is only ever used to run your own experience inside UniFied AI — it is never sold, never shared for advertising, and never used to train anyone's models. You can export or delete your data from the app at any time, and disconnecting an account revokes UniFied AI's access to it immediately. Independent security testing is part of our launch plan.

Yes — connecting your accounts is what makes the answers real. UniFied AI works from your actual transactions rather than numbers you type in, which is how it can tell you why a month is tight or what is about to renew. The connection runs through Plaid in read-only mode, so UniFied AI can read balances and transactions to explain them but cannot move, hold, or transfer your money, and it never stores your bank username or password.

Most budgeting apps stop at tracking: they sort what already happened into categories and leave you to interpret the chart. UniFied AI is built for the step after that — it reads your real transactions and answers questions in plain English, like why this month feels tight, whether you can afford something, and what is about to renew. It also watches your projected balance and flags a problem before it turns into a fee. It is financial education and organization, not tax, legal, or investment advice.

UniFied AI launches on iOS first, in Q4 2026, with Android planned to follow. You can join the waitlist from any device, and we will email you when your platform opens. UniFied AI is available to US residents 18 and over.

UniFied AI is for people who want their money explained rather than just charted — anyone juggling a couple of accounts, a credit card or two, and the sense that they should have a clearer picture than they do. It is built for the generation that was never taught this, and especially for people who left Mint and never found a replacement that did more than track. It is available to US residents 18 and over.