Stop mixing client invoices, taxes, and daily spending.

Business accounts, auto-split tax vaults, and invoicing have no monthly fee on Solo and no per-payout fees on any plan. Pro and Studio add a flat monthly subscription — there are no hidden interchange or ATM-style legacy banking fees.

When a client payment lands, we automatically move your chosen percentage (you pick from 10% to 30%) into a separate Tax Vault before the money ever hits Main Spend. You can pause the split or change the rate any time — it applies to every future payout and new invoice.

Yes. Balances are held in FBO accounts with our partner bank, an FDIC member, so eligible deposits are protected up to the standard limits. Your data stays encrypted with bank-grade 256-bit encryption in transit and at rest.

Absolutely. Create an invoice, send a branded payment link, and the money lands directly in your Anchor n Shield balance. Once a client pays, the tax split is executed instantly and you'll see the payout in your activity feed in real time.

Virtual cards are coming soon as part of our card program. Each card will get its own dedicated monthly spending cap per vendor, one-tap lock or activate, and instant transactions. 'Server is down' will never be an excuse to overspend.

Yes, any time. From Vaults, pick 10%, 15%, 20%, 25%, or 30%. New payouts and invoices use the new rate immediately, and existing Tax Vault balances are untouched.