How can we help you?

  • At launch, we support the syncing of your accounts to financial institutions across Australia and New Zealand, through our integration with basiq.io.

  • In the coming months, we will be releasing a more detailed international rollout schedule.

    Until then, here is a high level overview:

    2025Q1 - AU/NZ

    2025Q2- UK

    2025Q3 - North America 

    2025Q2 - United Kingdom / Europe

    2026Q1 - Asia

    2026Q1 - South America

    2026Q2 - Middle East / Africa

  • Early access will be available from May 2024, with official launch following soon thereafter

  • No, the GLOSS Vault is not a bank, nor a credit provider, nor are we affiliated with any financial institutions. We are completely independent, and are here simply to help you organise your finances.

  • Your money stays where it is. With your bank, broker, credit union etc - right where you left it.

    Just like a trusted personal assistant, you don't give your money to the GLOSS Vault to manage. It just keeps track of it for you, wherever it is.

  • Yes. Your information is as safe in the GLOSS Vault as any other personal finance app in the world. And almost certainly much much more.

    This is because we use industry best practices of AES 256-bit encryption: the same as what people call “military grade” or “banking grade” encryption.
    What makes the GLOSS Vault even more secure is our additional use of zero-knowledge architecture. This gives us unrivalled security because even our team building and supporting the application can not to see your information.
    When we say you have privacy, we mean you have total, 100% privacy.

  • Imagine you have collected your financial data (accounts, transactions, and balances) into one big spreadsheet or text document. This spreadsheet sits on your device (your phone or computer), so that only you can see it.
    The problem with this is that you don’t have the convenience of accessing your data on other devices, and you could lose all of it if you lose your phone/computer!
    However if you encrypt that spreadsheet with a password that only you know, you can keep an updated copy of that data on a server. So if you log in elsewhere, you could retrieve it and still access your data. This is fundamentally what the GLOSS Vault does. It:

    • gathers the data for you into a big spreadsheet

    • provides a thoughtfully designed interface for that data (so you don’t have to actually deal with a big spreadsheet)

    • encrypts all of that data with your private password

    • securely stores that encrypted data on the server for safe keeping and convenience

    • And finally, does all of this automatically whenever you make changes, so it’s always up to date

    The elegance of this design is that at no step in this process does anyone but you need to know what is in that spreadsheet - hence zero knowledge.

  • The GLOSS Vault Savings Path Calculator compares 95 savings products across 29 Australian banks to show you how well they reward you by keeping your money with them.

    We keep their conditions up to date by checking them daily, and updating the information on any changes. All you need to do is check in every now and then to make sure you're getting a good deal - we'll do the research.

    Download the app now to see if your bank is the best one out there.

  • Employers have a lot to gain by helping their employees with personal finance. Here are a few reasons why it’s beneficial:

    1. Improved Productivity: When employees are stressed about their personal finances, their productivity can suffer. By providing financial wellness programs or resources, employers can help reduce this stress, leading to more focused and productive employees.

    2. Increased Employee Loyalty: Offering support with personal finance can show that your employees are valued and cared for. This can increase their loyalty to the company, reducing turnover rates and saving costs associated with hiring and training new employees.

    3. Better Financial Decisions: Employees who are financially literate are more likely to make better financial decisions, which can lead to fewer financial emergencies and less need for payday advances or loans adding to personal stress and distraction.

    4. Enhanced Job Satisfaction: Employees who feel supported in their personal lives are generally more satisfied with their jobs. This can lead to a more positive work environment and higher overall morale.

    5. Improved Health and Well-being: Financial stress can have a significant impact on both physical and mental health. By helping employees manage their personal finances, employers can contribute to their overall well-being, which can lead to fewer sick days and lower healthcare costs.

    6. Positive Corporate Image: Companies that take a proactive approach to employee well-being, including financial wellness, often enjoy a better reputation. This can help attract top talent and improve the company’s standing in the community.

    In short, helping employees with personal finance is a win-win situation for both the employer and the employees. It fosters a supportive and thriving work environment, which ultimately benefits the entire organisation.

  • No, the GLOSS Vault does not offer financial advice. The app is here to help you understand your assets as intuitively as possible, and let you interact a play with possible outcomes as you experiment with different choices.

    While we may allow accredited financial advisors to provide their services to you in the future, these will be services that are completely optional, and will be your choice to opt in to at your own time and inclination.

  • Yes, the GLOSS Vault is a legitimate personal finance app built by Ironfly Technologies, which has been making software for wealth managers and hedge funds for more than a decade in Australia and Hong Kong.

    The app is available on the Google Play store and Apple Store, as well as desktop browsers.

  • It's easy to get started! Simply click the sign up button or download our app to register. It takes less than 20 seconds.

  • Term deposit scenario comparison tools as well as other debt/credit/loan-like structures are expected in Q3 2024

  • The GLOSS Vault is an app that organizes your personal finances. At launch, it is available through your web browser, with Apple iOS and Android apps following shortly.