For people whose money doesn't arrive on a schedule

One account and one card
for your personal and business money.

Keep $300 to $600 more each month. Zlatian sorts every transaction, finds deductions, and forecasts business cash flow and personal spending. Then it builds a plan and keeps you on it, day by day.

Get Early Access

Free to start. No monthly fee.

The Zlatian app on an angled phone showing a $29,444 total balance, recent business and personal transactions, and a 30-day cash-flow forecast peaking at $12,680, with the Zlatian Visa debit card in front.

One account, one card

One account and one card for your everyday money.

BEFORE the juggling act

PERSONAL

$2,140

BUSINESS

$5,880

UNSORTED · WHICH IS WHICH?

? Transfer: personal → business −$500

? Client payment +$1,250

? Supplies / groceries? −$141

⚠ Tax time?

Zlatian

AFTER sorted automatically

zlatian DEBIT

•••• •••• •••• 4729 VISA

Business

Client Payment +$1,250

Office Supply −$87.43

Personal

Corner Bistro −$32.18

Groceries −$54.20

The old way

Transferring from personal to cover a business shortfall. Scrambling to separate it all again at tax time.

With Zlatian

Run everything through a single account and card. Every transaction sorted automatically as it happens, so it's all in one place, kept straight for you.

Built for the way you earn.

If your income doesn't come from a regular paycheck, Zlatian was built for you.

Gig workers

Freelancers & creators

A side-hustler on a laptop at the kitchen table

Side-hustlers

Small business owners

A consultant in conversation at a laptop in an evening office

Consultants

A contractor measuring and marking a board on a work site

Contractors

MoneyBrain™

The brain behind your money.

MoneyBrain is the intelligence behind your account and card. It plans and tracks your money, flags a tight week before it hits, sets aside what you'll owe at tax time, and shows upcoming payments a month ahead. Zlatian shows you what's next, and how to handle it the best way.

Everything in one place.

All your banks, accounts, cards, balances, and transactions in one app. Your whole financial life, business and personal, easy to see and manage. That's the foundation everything else is built on.

A unified dashboard linking bank, credit, business, savings, investment and loan accounts into one total balance.

Forecast what's coming.

Using everything it sees, MoneyBrain builds a forward forecast of your business cash flow and your personal spending, upcoming bills, tax set-asides, and where your balances are headed, so you see what's coming before it arrives.

A 90-day cash flow forecast with a tight week flagged ahead and a heads-up alert.

Daily checkups that keep you ahead.

Every day, MoneyBrain checks each transaction against your forecast to make sure everything's on track. It shows you the days ahead and gives you a heads-up in advance, cash-flow shortages, unexpected spending, tax obligations and deductions, so you meet what's coming prepared, not surprised.

A daily insight card flagging where spending can be recovered this month and routing $1,840 toward your tax set-aside.

Meet MoneyBrain

It tells you before you'd think to ask.

Zlatian watches your money around the clock and reaches out before things happen, a tight week ahead, taxes to set aside, a deduction you'd have missed. Everything it knows comes to you in plain language. And anything you want to know, just ask.

9:04 ●●● ●

MoneyBrain

● Always watching

🔔HEADS UP · UNPROMPTED

Heads up, next week looks tight, a client payment is running late and rent's due Friday. You've got an office utility payment of $378.22 due this week; you could move it to the 26th to stay comfortably on plan. (I've already set aside $90 for taxes from yesterday's deposit.)

9:02 AM

Can I afford $400 for new gear this week?

9:03 AM

Not this week, but if you wait until the 18th, yes, and you'll still stay on plan. Want me to remind you then?

9:03 AM

Yes, please.

9:04 AM

The plan, not just a balance

Keep more of what you earn.

Most people don't know how much they'll have left. Zlatian forecasts your income and spending down to each day and each transaction, builds a plan, and helps you follow it with daily check-ins, so you stay ahead through the slow weeks instead of guessing.

YOUR PLAN · NEXT 6 WEEKS

Income Expense Planned balance

TODAY'S PLAN Wed, Jun 17

Everyday spending $40

Set aside for tax $35

Toward cushion $15

Bills covered Done

On track

TODAY'S CARD LIMIT

Set to $40 — keeps you on plan.

TODAY'S CHECK-IN

You're on plan — $40 left for today.

Cushion, this month +$185 ↑

More confidence. Fewer surprises. And a cushion that grows as you follow the plan.

Serious about your money. Serious about your privacy.

Your money is protected, your data is yours, and we built it that way from day one.

Your money

Held with regulated financial partners and protected with strong encryption and industry-standard safeguards.

Your account

Continuous monitoring, fraud protection, and strict access controls help keep your account safe from unauthorized activity.

Your data

We never sell your data or use it for advertising. You stay in control of what's shared.

A money platform built to protect you, not to profit from you.

Stop guessing about your money.

See your complete picture, know what's coming, and keep more of what you earn.

The Zlatian Visa debit card glowing with a soft lime light.

Get Early Access

Free to start. No monthly fee.

Pricing

No monthly fee. Money management that's worth it.

Banks charge $70 to $150 a month just to hold a business account. Zlatian has no monthly fee, you pay only for what you use, and it adds up to far less.

Essential

No monthly fee

Your account and Visa card
Personal and business, auto-sorted
Transfers, payments, 36,000+ ATMs
The MoneyBrain assistant

No monthly fee. A generous free allowance, then low per-transaction pricing, always less than a bank.

Sign me up

Good questions. Straight answers.

Zlatian is launching soon in Canada. Sign up now to be first in line and get early access.

No. Zlatian is a money management app. Your banking services and your funds are provided and held by our regulated bank partner; Zlatian is the smart layer on top that helps you manage and grow your money.

Every transaction is automatically tagged personal or business the moment it happens. One account to use, two clean sets of records underneath, for spending, taxes, and reports.

Fix it with one tap, and MoneyBrain learns from it. The more you use Zlatian, the sharper it gets.

No. Zlatian works whether you're a sole proprietor, a gig worker with a day job, a freelancer, or a registered business.

Your funds are held with regulated financial partners and protected with strong encryption and industry-standard safeguards. We never sell your data or use it for advertising.

No monthly fee. Start with a generous free allowance, then low per-transaction pricing that's always less than a bank. Upgrade to Pro for full money management and automatic taxes, or Ultra (coming soon) to grow what you keep.

Yes. Invite other people who work for themselves, and you'll both be rewarded when they join.

One account and one cardfor your personal and business money.