Private, read-only clarity for Indian money
Bills, EMIs, UPI and refunds, in one simple control room, with proof you can check.
Orbeva India starts with Account Aggregator consent and posted transactions. It turns noisy UPI, NACH, EMI, card-bill, SIP-transfer and refund rows into a plain monthly picture.
Read-only Account Aggregator consent No money movement UPI/NACH/EMI parser
NET WORTH · ALL ACCOUNTS read-only
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NEXT MOVEBook ₹1L LTCG, tax-free₹12,480 saved
Illustrative — animated example, not real performance or advice.
Read-only consent Stop sharing anytime No bank password No selling or lending
You approve what to share through an Account Aggregator flow. Orbeva reads only approved data and never moves money.
What the India beta understands
Everyday money rails, not a copied US dashboard.
UPI merchant and peer spendNACH recurring pullsEMI loan burdenCard bills separate from spendSIP transfers not day-to-day spendRefunds posted reversals
How sharing works
Account Aggregator consent, in 3 steps.
Your bank
where the data starts
AA consent
you approve the scope
Orbeva
read-only summaries
No bank password comes to Orbeva. You can stop sharing, and Orbeva cannot debit, transfer, lend, underwrite, or trade.
BillShield preview
Know what is already spoken for.
Slide income, mandates and EMIs to see why the paid India feature focuses on recurring pulls before fancy charts.
₹32,000left after reserve
45%committed burden
Illustrative only. Real values come from consented posted transactions and are shown with source rows.
Buffer check
How long can the next pulls wait?
75 days covered
A simple coverage estimate for upcoming debits. No automatic transfer or payment is made.
Pricing
Small-ticket beta, priced for India.
The India beta starts with free provider onboarding. The paid Control Room is planned around a low monthly price once Razorpay live billing and provider paperwork are complete.
Built for trust
A US startup posture, localized for India.
Consent first
The product starts from a user-approved Account Aggregator flow. Scope, purpose, and revocation stay visible.
Read-only by design
Orbeva turns posted rows into summaries. It does not debit accounts, sell products, lend, underwrite, or place trades.
Proof before confidence
Mandates, EMIs, bills, SIP transfers and refunds link back to the transaction evidence instead of hiding behind a score.
Provider path in progress
Sandbox and production access depend on the AA/TSP and eligible FIU-partner structure. The product copy stays honest while onboarding completes.
For you if
- You miss EMIs, mandates, refunds or card-bill timing in normal bank apps
- Your family wants simpler language than a finance spreadsheet
- You want a read-only monthly control room before recommendations
Not for you if
- You want an app to move money for you
- You want loans, underwriting, insurance sales, or trading
- You are looking for tax filing or regulated advice
The honest answers
Questions you should be asking.
What is Account Aggregator?
A consent-based way to share financial information from participating institutions. Orbeva uses it for read-only personal finance summaries.
Can Orbeva move my money?
No. The India product is read-only. It can organize transactions and show reminders, but it cannot debit, transfer, lend, underwrite, or trade.
Is production access live?
Provider onboarding is still in progress. Sandbox work can move faster; production AA access requires an eligible FIU-partner path.
What will people pay for?
The paid surface is the Control Room: upcoming mandates, EMI burden, card-bill separation, SIP-transfer separation, refunds, and family-friendly alerts.