Finance & money

Xardas Vault

A secure, read-only desktop dashboard for your online bank accounts — it shows everything and can move nothing.

Windows desktop app (.exe) US$40 · one-time

Xardas Vault is a native, local-first desktop app that gives you fast, private visibility into your business or personal bank accounts. Connect it to your bank's read-only API — Mercury first — with a token you supply, and it shows current and available balances, month-to-date inflows and outflows, a twelve-month cashflow chart, and up to twelve months of transactions, refreshing automatically every couple of minutes while it's open. Link more than one bank or account and view them all together or focus on a single account. It is a viewer by design: it cannot move money, initiate transfers, create or modify recipients, or change any banking setting, because the app has no code path that writes to your bank.

Security is the point. The app is locked behind a required password that encrypts your saved API token, with an optional authenticator-code check layered on top. Balances and transactions are never written to disk in plaintext — they stay in memory for the session and are cleared when you lock or close. There is no cloud, no telemetry, and no analytics; apart from a one-time activation on first launch, the only network calls are the read-only requests to your own bank. The app ships with blank credential fields — you bring your own read-only token, and compatibility depends on your bank offering suitable read-only API access.

What it does

  • Read-only by design: connects only through your own read-only banking API token (Mercury supported first, with an adapter architecture for other read-only banking APIs over time), and has no ability to move money, transfer funds, create recipients, or change any bank setting
  • Live dashboard you can focus on any one account or all of them at once: current and available balances, total balance, month-to-date inflows and outflows, a twelve-month cashflow chart, a spending-category summary, pending-versus-posted activity, and an optional local tax-reserve estimate
  • Link more than one bank or account simultaneously — Xardas Vault syncs them all and lets you view them together or one at a time
  • Automatic sync every two minutes while open (the interval is adjustable), with a 'last synced' time, a live countdown to the next sync, and a manual Sync-now — syncing stops while the app is locked and when it closes
  • Filter twelve months of history by date range, account, amount, merchant or description, status, and payment method (ACH, wire, card…); export the exact view to CSV, or print it and save a PDF statement — manual only, never emailed or uploaded — handy for tax prep and hardcopy records
  • A required app password encrypts your saved token (with an optional authenticator-app code and an inactivity auto-lock); balances and transactions live in memory only and are wiped on lock or close. Local-first and private — no cloud, telemetry, analytics, or account — and it ships with blank credentials
US$40 one-time payment · yours to keep forever · Windows desktop app (.exe)
  • 14-day refund if it doesn't work as described — Refund Policy
  • Instant download, delivered by email — re-download anytime from your receipt
  • No subscription and no account. After a one-time online activation on first launch — the app validates your license key through our store (Lemon Squeezy) — it runs on your own computer with no telemetry and no further license checks, and keeps working even if this website disappears.
  • The only ongoing network use is the bank sync you start yourself: Xardas Vault connects to your Mercury account to refresh balances. Nothing else is sent anywhere.
Works on
Windows 10 & 11 (64-bit)
Download
~71 MB · XardasVault-Setup-win64.exe
Installs
On computers you personally own or control (EULA)
Updates
Free fixes and improvements for the version you buy — notices by email, never by the app phoning home

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Safe to download & install

A genuine, local-first desktop app — no telemetry, no account. The installer is digitally signed: Windows shows XARDAS AI LLC as the verified publisher, and it installs to your user account with no admin password. Your download also lists a SHA-256 checksum so you can verify it's authentic and untampered. How to install & verify →

SHA-256 · XardasVault-Setup-win64.exedf487ecbcfebc96c306c02526c4505e224a0f465f2b81ef1a6154dfca14d2244

Mercury is a trademark of Mercury Technologies, Inc. Xardas Vault is an independent product and is not affiliated with, endorsed by, or sponsored by Mercury. Xardas Vault connects only through Mercury's own read-only API using a token you provide.