KRW · XOF · USD · BTC — one private ledger
One calm home for your money, across every border.
Dinero brings Korean banking, Côte d'Ivoire mobile money, global investing, budgets, goals, and recurring payments into one private financial picture.
$ 128,450
+ 2.4% · 30d
- KRW46%
- XOF24%
- USD22%
- BTC8%
- Shinhan BankKRW₩ 58.2M
- WaveXOF₣ 14.9M
- IBKRUSD$ 27,480
- Currencies, one ledger
- 4+
- Balances derived, not typed
- 100%
- Trades the AI can make
- 0
Everything your money touches, in one place
Built for a life lived across borders — not a spreadsheet in sight.
Accounts that match real life
Shinhan, KB, Hana, Djamo, Wave, Orange Money, IBKR, Daba Finance, Matha Securities — institutions, accounts, and currency pockets for how you actually bank.
Real multi-currency accounting
Every amount keeps its native currency. A visible USD-pivot FX table converts for the full picture, with live rates, manual overrides, and history.
Budgets & recurring payments
Category rings, spending pace, safe-to-spend guidance, and recurring bill reminders that stay out of your way until they matter.
Investments, decomposed
Holdings, cost basis, realized and unrealized P&L, and an explicit split between market performance and currency movement.
Capture in seconds, by text
A deterministic Telegram bot logs a transaction from a message like “12.9k food” — no AI in the loop, just a fast, predictable parser.
An assistant that only explains
A private, OpenAI-backed assistant reads the same calculations you see on screen. It can propose an action; it can never move money on its own.
Try a conversion
Every amount keeps its own currency
Illustrative rates for a feel of the product — sign in for live, provider-backed conversions.
How it works
Three steps to one clear picture
- 01
Connect what you already use
Add your Korean banks, Ivorian mobile money, and brokerages — or import a CSV. Manual entry works from minute one, no integration required.
- 02
Capture in seconds
Log spending by texting the Telegram bot or tapping once in the app. Every amount keeps its own currency; nothing is silently converted away.
- 03
Understand the whole picture
One net-worth number across every currency, budgets that stay honest, and an assistant that explains — but never moves — your money.
Four rules Dinero never breaks
- Trust the ledger
- Balances are derived from transactions, never manually maintained totals.
- Keep currencies honest
- Transfers, conversions, and investment movements never become spending.
- Explain every number
- A contribution is never presented as investment performance.
- Stay in control
- The assistant reads and explains. It does not execute financial actions.
Ready to see your whole financial picture?
Private by default, yours alone.