Four pillars, one experience.
Open Banking, AI engine, planning, and conversational coach. None new alone — all new together. Here's how it works, in detail.
Every account, under a minute.
Open Banking via Salt Edge in the EU (Italy, Germany, France, Spain...) and bLink in Switzerland. The regulated PSD2 flow you already know from your banking app: link an account in under a minute, then everything syncs by itself — no CSV, no manual reconciliation.
- Manual entry always available, even without Open Banking
- Multi-bank: checking, savings, credit cards in one place
- Webhook-driven auto-sync — no manual import
- Multi-currency native: EUR, CHF, USD with daily ECB rates
The AI engine working in the background.
A system of specialized AI tools running silently: cross-language and cross-merchant categorization, recurring detection, anomaly flagging, insight generation. "Esselunga" becomes "Groceries" instantly. A new monthly charge gets flagged as a probable subscription. A spending spike is highlighted with context.
- Auto-categorization, even on brand-new merchants
- Detection of rent, utilities, subscriptions automatically
- Anomaly detection: spending spikes, double-charges, suspicious flows
- Proactive insights: the coach speaks first when the data demands it
From "I want" to "I can", with a real plan.
Define where you want to land — an emergency fund, a trip, a car — and Bibiis builds a plan from your real numbers. It accounts for fixed expenses, recurring obligations, other goals. Net worth gives you the full picture: assets, liabilities, trajectory, 12-month projections.
- Goals with AI-generated plans calibrated on real income
- Pace tracking: "€83 ahead / €120 behind"
- Full net worth: accounts + manual investments + real estate
- 12-month projections on total wealth
A coach you can actually talk to.
The conversational interface is intentionally simple; the intelligence underneath is not. Ask anything in plain language, from descriptive ("how much did I spend on dining?") to strategic ("can I afford a bigger apartment?"). Answers come with your full financial context: concrete numbers, realistic timeframes, actionable suggestions.
- 26 integrated AI tools: data queries, goal CRUD, simulations
- Multilingual: ask in any language, get answered in the same
- Persistent memory: preferences and rules injected into system prompt
- Answers include visualizations (charts, progress bars, stat cards)
How Bibiis keeps you engaged without nagging.
From onboarding to referral, every step is designed to deliver value in seconds. No annoying notifications. No useless "reminders".
Built on European standards.
GDPR, PSD2, FINMA — not buzzwords. The foundation every technical decision is made on.
Data in EU, encrypted everywhere
Supabase Frankfurt, Row-Level Security per user, encryption at rest and in transit. Data export and deletion on demand. Designated Data Protection Officer.
Open Banking via licensed providers
Salt Edge is an EBA-registered AISP under PSD2 supervision. bLink operates under SIX Group, supervised by FINMA. Bibiis never touches your banking credentials.
GDPR, DORA, MiFID II perimeter
GDPR built-in. DORA compliance activated Q4 2026 (January 2027 deadline). MiFID II: zero exposure — we don't offer regulated investment advice.
Swiss-Italian architecture
NVP Tech Srls (operating, Italy) → Bibiis CH SA (holding, in formation). Legal architecture designed for EU fundraising and CH/IT operations.
Ready to see where your money actually goes?
Start free right now, manually. When you're ready for automatic Open Banking, upgrade.