YourOwn Wallet is a secure, user‑controlled platform that aggregates bank, investment, debt, and tax data into a single hub, automatically updating balances and allowing document uploads. It lets users share selected financial information with lenders, landlords, or advisors via encrypted links while maintaining full control and compliance with standards like Fannie Mae and Plaid.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers often need to gather and share financial information from multiple banks, investment accounts, and documents when applying for mortgages, rentals, or working with advisors, a process that is time‑consuming, error‑prone, and raises privacy concerns.
Solution
YourOwn Wallet provides a secure, user‑controlled hub that aggregates income, bank, investment, debt, and tax data in one place. The platform automatically pulls account statements and updates balances, while allowing users to upload additional documents. With military‑grade encryption tied to a personal seed phrase, data remains private and tamper‑proof. Users can generate a complete financial profile and share selected information with lenders, landlords, or advisors via email or cloud links, retaining full control over who sees what and when. The service also ensures that shared data complies with industry standards such as Fannie Mae, Freddie Mac, Plaid, and Hoseki, streamlining verification for loan and rental applications.
Target Audience
Primary users are U.S. individuals seeking to simplify mortgage, refinancing, equity financing, rental applications, or wealth planning, as well as financial advisors and lenders who need reliable, consent‑based access to client financial data.
Features
- Automatic linking to over 12,000 U.S. financial institutions with real‑time balance and transaction updates
- Secure document upload and storage for tax returns, pay stubs, IDs, and other verification files
- Military‑grade encryption and seed‑phrase based access control to protect all stored data
- Granular sharing controls allowing users to select specific data fields and recipients, with audit logs of sharing activity
- Compliance with major lending and verification standards (Fannie Mae, Freddie Mac, Plaid, Hoseki) to meet lender and landlord requirements
- Consolidated net‑worth dashboard tracking assets, liabilities, cash on hand, and investment performance