EnglishIt started with a question about a debt.
Zelvo is a financial companion. It does the reading and the sorting, and hands the picture back with dates on it.
Nothing on the phone answered it.
“Which month does this end?”
The apps could total last month and sort it. None would carry the balance forward and name the month it clears, so the forecast got built first.
Mar 2028
- Months to clear19
- Interest paid$387
- Credit cardJun 2027
- Car loanMar 2028
- Borrowed from a friendSep 2027
Every goal and every debt now comes back with a month on it.
The app you stopped opening.
You open the banking app, read the balance for a second, and put the phone down. The budgeting app you tried wanted two hundred rows sorted.
The ostrich effectPeople check their accounts less often when they expect bad news.
So getting your money in became a dropped statement, not an evening of typing.
Anything you can do here, your companion can do for you.
Say it the way you would say it to a friend. Same change, same checks, whichever way you asked.
It proposes, you approve, and every receipt carries Undo.
Where Zelvo already reaches
- 24
- months of balance drawn ahead
- 11
- bank statement layouts known
- 7
- currencies in one total
- 3
- languages: English, Polish, Ukrainian
- 5
- networks your wallets are watched on
- 12
- platforms idle money can sit on
Rates move and capital is at risk. Zelvo names each risk and leaves the choosing to you.
Who Zelvo is for
You know the balance. What you want is a date.
Nobody picks one. These are chapters of one life, not six different people.
What we will not do
- Sell you to anyone. No ads, no sponsored places in your budget. Subscriptions are the business.
- Choose your investments for you. Zelvo shows what a platform pays, read live, and names its risk. Rates change, capital is at risk, Zelvo takes no cut.
- Hold your money. No deposits, no key Zelvo can use. Your own wallet signs.
- Grade you. No streaks, no badges, no score for the month you had.
Where Zelvo is today
Private beta, by invitation, on the web and on iPhone. Every budget exports as a file you keep, and deleting your account deletes everything.