Understand every dollar with a calm AI copilot
Connect your accounts once, ask real questions, and get direct answers about spending, trends, and opportunities to save.
You're tracking $340 — 22% below your 3-month average.
Bank-grade encryption
Data is encrypted in transit and at rest with production-grade controls.
Read-only access
No money movement permissions and no stored banking credentials in the client.
User-controlled data
Clear account and data controls with transparent privacy boundaries.
Everything you need for daily financial clarity
Built for speed and trust, with one coherent interface across every workflow.
Ask, in plain English
Real questions, direct answers — about spend, trends, bills, and what changed.
Signal over noise
Every account, unified. Quiet alerts that surface only what moved the needle.
Acts on your behalf
Concrete next steps to cut waste and grow savings — no dashboards to hunt through.
From connected data to clear decisions
A deliberate three-step flow that reduces noise and highlights what matters now.
Connect accounts
Securely connect institutions once to create your unified finance context.
Ask naturally
Use plain language prompts to inspect spending, trends, bills, and balances.
Act with confidence
Follow prioritized recommendations and track impact over time.
Built for trust from day one
Bacos is designed so sensitive auth, token, and session flows stay on the server while users get a fast, clear experience in the browser.
Read-only data connections by default
Tokenized access with strict session controls
Server-side auth and protected pricing access
Clear audit trail of account connectivity status
Finance playbooks you can put to work
Clear, in-depth guides on budgeting, investing, and planning to help you make confident decisions with your money.
Secure Bank Account Linking Without Unnecessary Risk
Connecting accounts should increase clarity without increasing risk. Use this framework to evaluate security controls before linking.
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