Most budgeting apps open with the same onboarding step: connect your bank account. For a certain group of people, that's where the process ends — not because they can't, but because they won't hand over those credentials to a third-party app.
moneasy is Niixo's attempt to design around that constraint.
Two ways in
The app has two entry points. First: point your camera at a receipt. Apple Vision Framework and Gemini 2.5 Flash handle the OCR — line items, amounts, categories. Second: say "moneasy 記録" to Siri. Apple Speech picks it up, the transaction logs.
No bank login. No OAuth flow. No third-party service in the data path.
