Status
Why is nothing marked Available?
Because Selfinancial is still being built. When a capability is operational for eligible customers in a supported market, its label will say so and not before.
Platform capabilities
All 17 capabilities,with an honest status on each one.
Every Selfinancial capability, what problem it solves, how it is intended to work, and exactly where it stands today.
How each capability is described
- The problem it solvesStated from the customer's position, not the product's.
- How it is intended to workWritten in the conditional where the capability is not yet built.
- Where it stands todayEarly access, coming soon, or long-term vision. No ambiguity.
The capability catalogue
Showing 17 of 17 capabilities.
Move money
- Early access
International transfers
- The problem
- Sending money between countries is slow to understand. The amount that arrives often differs from the amount sent, and the reason is rarely visible.
- How it works
- Choose a supported corridor, review the cost and the estimated amount that will arrive before confirming, then follow the transfer through each stage.
- The benefit
- You see what a transfer costs and where it is before you commit to it.
Available toIndividuals · Businesses
Learn more about international transfers - Early access
Digital wallet
- The problem
- Holding value between countries usually means opening an account in each one, with separate logins, statements, and rules.
- How it works
- A wallet holds supported balances, records deposits and withdrawals, converts between supported currencies, and keeps a full transaction history in one place.
- The benefit
- One balance you can read, move, and reconcile without switching applications.
Available toIndividuals · Businesses
Learn more about digital wallet - Early access
Digital dollars and stablecoins
- The problem
- Dollar-denominated digital balances are widely discussed and poorly explained. Who issues them and what backs them matters more than the technology.
- How it works
- Supported assets such as USDC are explained before they are offered, including the issuer, the backing, and the settlement rails involved.
- The benefit
- You understand what you are holding before you hold it.
Available toIndividuals · Businesses
Learn more about digital dollars and stablecoins
Understand your money
- Early access
Connected accounts
- The problem
- Financial information is split across banks, currencies, and countries, so no single view reflects your actual position.
- How it works
- Open Finance connections bring checking, savings, credit cards, loans, subscriptions, investment accounts, holdings, and transactions into one place, with your permission at every step.
- The benefit
- Your complete financial position, assembled from the accounts you already have.
Available toIndividuals · Businesses · Financial professionals
Learn more about connected accounts - Coming soon
Budgeting
- The problem
- Budgets built in one currency stop working the moment income or spending crosses a border.
- How it works
- Plan against categories that span accounts and currencies, then compare planned amounts to what actually happened.
- The benefit
- A plan that survives contact with a financial life spread across countries.
Available toIndividuals
- Coming soon
Transaction categorisation
- The problem
- Raw bank descriptions are unreadable, and they differ in every country and institution.
- How it works
- Transactions are grouped into consistent categories across institutions, and you can correct any categorisation you disagree with.
- The benefit
- Spending you can actually read, described the same way in every market.
Available toIndividuals · Businesses
- Coming soon
Subscription management
- The problem
- Recurring charges accumulate quietly, often billed in a currency you do not think in.
- How it works
- Recurring payments are identified across connected accounts and listed with their amount, frequency, and currency.
- The benefit
- Every recurring commitment in one list, including the ones you had forgotten.
Available toIndividuals · Businesses
- Coming soon
Debt visibility
- The problem
- Loans and credit balances held in different countries are rarely visible in the same place, which makes prioritising them guesswork.
- How it works
- Connected credit cards, loans, and payment obligations are consolidated with their balances, rates, and schedules where the institution provides them.
- The benefit
- One view of what you owe, so you can decide what to address first.
Available toIndividuals · Businesses
- Coming soon
Investment portfolio view
- The problem
- Holdings spread across brokers and countries cannot be assessed as one portfolio, so allocation and currency exposure stay hidden.
- How it works
- Connected investment accounts and holdings are consolidated into a single portfolio summary showing allocation, performance, and currency exposure.
- The benefit
- You can see your allocation as it actually is, not one brokerage at a time.
Available toIndividuals · Businesses · Financial professionals
Guidance
- Coming soon
Financial-professional collaboration
- The problem
- Advisers usually work from screenshots, spreadsheets, and recollection, without a complete view of a client's global finances.
- How it works
- You invite a professional and choose exactly what they can see. They can review, comment, and prepare guidance. You can revoke access at any time.
- The benefit
- Your professional works from the same information you do, with your permission.
Available toIndividuals · Businesses · Financial professionals
Learn more about financial-professional collaboration - Coming soon
AI-assisted financial guidance
- The problem
- Financial data is easy to collect and hard to interpret, especially across currencies and jurisdictions.
- How it works
- AI explains transactions and patterns, summarises accounts, and helps prepare questions for a professional. It shows its reasoning and its assumptions.
- The benefit
- Help understanding your information. It is not a substitute for regulated professional advice.
Available toIndividuals · Businesses · Financial professionals
- Long-term vision
Professional marketplace
- The problem
- Qualified professionals and the people who need them struggle to find each other across borders.
- How it works
- Professionals publish a profile and service offering, accept client requests, and manage ongoing relationships and payments through the platform.
- The benefit
- A route to clients whose financial context you can actually see.
Available toFinancial professionals
Learn more about professional marketplace
Business
- Coming soon
Business treasury
- The problem
- Companies operating in more than one country lack a consolidated view of cash, currency exposure, and obligations.
- How it works
- Multi-currency balances, supported stablecoin balances, cross-border transfers, and cash-flow monitoring are consolidated for authorised company users.
- The benefit
- Treasury visibility that matches how the business actually operates.
Available toBusinesses
Learn more about business treasury
Global portability
- Long-term vision
Global Financial Passport
- The problem
- Financial records created in one country are frequently unreadable to institutions in another.
- How it works
- Verified identity, connected institutions, income, assets, liabilities, and history are organised into a permissioned profile you control and choose to share.
- The benefit
- Your financial position, organised so it can be presented outside the country that created it.
Available toIndividuals · Businesses
Learn more about global financial passport - Long-term vision
Global credit profile
- The problem
- Local credit history does not travel. Strong income and assets in one country can count for nothing in another.
- How it works
- Permissioned income consistency, cash-flow stability, existing debt, liquid and investment assets, and account history are organised into a profile you can choose to share with participating institutions.
- The benefit
- A fuller financial story to present. Every lending decision remains with the institution.
Available toIndividuals · Businesses
Learn more about global credit profile
Investing
- Long-term vision
Brokerage and investment access
- The problem
- Investment opportunities outside your home country are difficult to discover, evaluate, and access.
- How it works
- Planning, guidance, product discovery, and execution are intended to connect in one journey, subject to eligibility, product registration, and custody arrangements.
- The benefit
- A path from understanding your finances to acting on them.
Available toIndividuals · Businesses
Learn more about brokerage and investment access - Long-term vision
Tokenised assets
- The problem
- Settlement is slow, ownership records are opaque, and many assets cannot be accessed in fractions.
- How it works
- Approved tokenised representations of eligible assets would sit alongside traditional holdings in the same portfolio view.
- The benefit
- Potentially faster settlement and greater portability. Tokenisation does not remove investment risk, legal restrictions, or custody requirements.
Available toIndividuals · Businesses
Learn more about tokenised assets
Supported markets
Availability differsfrom country to country.
A capability being built does not mean it opens everywhere at once. Product availability, supported institutions, and regulatory permissions are confirmed separately for each of our eight target markets before launch.
Answers, not slogans
Questions people ask before they trust a financial product.
Scope
Is this the complete list?
It is the complete set of capabilities we are currently describing publicly. If something is not on this page, we are not claiming it.
Filtering
Do the filters need JavaScript?
No. Every capability is present in the page before any script runs. The filters simply narrow a list that is already there.
Tell us which capabilitiesyou need first.
Joining the waitlist helps us prioritise. Say what matters to you and where you are.