Opaya doesn't move money. It listens, notices, and asks one good question — when there's something worth saying.
The app opens with one advisor moment. Then, if you want it, net worth, monthly flow, observations, and market context sit below the fold.
Opaya matches your advisor's register to how you relate to money: calm, direct, market-fluent, family-aware, reflective, or data-first.
The facts stay grounded. The voice changes so guidance lands without becoming noise.
Market-fluent, anti-FOMO. Honest about the cost of impulse.
Warm and family-aware. Speaks in the register of a household.
Direct and accountable, but never punitive or shaming.
Reflective and values-led. One useful question at a time.
Vault is the Opaya high-yield savings account: a place users can open for cash that should earn more while staying close to the rest of their financial picture.
The app starts with concrete work: connect accounts, read the day, open Vault, and keep the details available without making them loud.
Add banks and brokerages in one place. Opaya reads balances, transactions, and rhythms — never moving money.
A greeting, one useful observation, a quiet market brief, and where things stand. No feed to chase.
Vault is the high-yield savings account Opaya users can open for cash they want held quietly.
The current product scaffold is organized around five calm surfaces, each with a clear job.
Your morning screen: one advisor note, a brief market reading, net worth, monthly flow, and quiet observations.
A high-yield savings account for what stays, with auto-sweep and card controls planned around the same calm posture.
Accounts, flow, recurring rhythms, and month view. The whole financial picture without a command center.
A conversation grounded in your actual context, with citations back to accounts or patterns when it matters.
Long-term goals as markers: what you have reached, what is current, and what is ahead.
partner ecosystem across finance, custody, payments, data, and AI
An advisor that grows quieter as it gets wiser. Read-only. Yours. Pause anytime. About five minutes to set up.