Your Money.
Your Device.
Your Rules.
The first financial platform built on a mesh networking protocol and the Veydrin Financial Data Standard. Enterprise-grade intelligence — from daily budgets to estate planning — encrypted on your device and synced across every device you own.
No server. No cloud. No account. Open source. Free forever.
Every Screen. Your Numbers.
Everything They Charge For.
And Then Some.
Most finance apps give you a dashboard and a prayer. Nemorith gives you a vault, a stacking engine, a trust lifecycle manager, and the encryption to back it all up.
Financial Assistant. 100% Offline. No AI Required.
"How am I doing?" "What should I pay off first?" "Am I on track for retirement?"
Ask questions about your money in plain language. Get real answers from your real numbers. Not generic tips. Not a chatbot. A financial analysis engine that cross-references your income, spending, debts, investments, budget, insurance, goals, and credit health to give you deeper insight than most AI tools can.
Runs entirely on your device. Zero internet. Zero API keys. Zero data sent anywhere.
Want even more? Bring your own AI key (Claude, GPT, or Gemini) for conversational depth. But the built-in engine is the product. The AI is just the cherry on top.
AES-256-GCM Encryption
Documents, credentials, backups, and device sync are all encrypted with AES-256-GCM. PIN, biometric, and duress PIN with full panic wipe.
Personal. Household. Business.
Unlimited vaults on one device. Solo, Household, Trust, or Business - each with its own encrypted space, credentials, and members.
Five Financial Layers
Flow. Position. Debt. Wealth. Protection. A complete operating system for your financial life.
Trust Lifecycle
Full trust management from Revocable through Irrevocable, Succession, Legacy, and Continuance. Document vault. Estate planning built in.
Bank Sync & Import
70+ bank profiles. OFX, QFX, CSV, MT940, CAMT.053. SimpleFIN daily auto-sync. Credit report CSV import. Drag-and-drop.
Your Device. Your Data.
No accounts. No servers. No analytics. Sync between your own devices with AES-256-GCM encrypted peer-to-peer transport.
Market Data
Live portfolio pricing via Nemorith API. 1,013-ticker directory. Dividend tracking. Property valuation. Tax strategies from your real numbers.
Receipt Scanner
On-device OCR auto-detects amount, merchant, and date. One tap creates a transaction. No cloud processing.
Monte Carlo & Stress Testing
1,000 retirement simulations with probability fan charts. Stress-test against 2008, dot-com, COVID, and more.
Tax Intelligence
Roth conversion optimizer. Social Security strategies. Tax bracket visualizer. Tax-loss harvesting. All from your actual numbers.
What-If Sandbox
Change any variable - income, expenses, returns, inflation - and watch the ripple across your entire financial picture.
Credit Health
Credit utilization tracking with 30%/50% targets. Credit report CSV import. Due dates, available credit, utilization scoring.
Built-In Help Center
20+ searchable how-to articles. Accessibility guides. All on-device, no network needed.
Free. Period.
No subscription. No premium tier. No ads. No data harvesting. AGPL-3.0 licensed. This should exist for everyone.
The First Financial Platform Built on
a Mesh Protocol
Every other financial app syncs through someone else's server. Nemorith is the first to use a decentralized mesh protocol — the Veydrin Community Network — to sync your financial data directly between your own devices. No intermediary. No cloud. No trust required.
Six Transport Tiers
Bluetooth. LAN discovery. HTTPS relay. TCP peer-to-peer. QR code exchange. Your data finds a way, even without internet.
Ed25519 + AES-256-GCM
Every packet cryptographically signed. Every sync payload encrypted end-to-end. The relay server sees ciphertext. Your financial data is yours alone.
6-Digit Pairing. Done.
Show a code on one device. Type it on the other. Encrypted sync starts immediately. No account creation. No email. No QR gymnastics. Just works.
Home Hub Mode
Plug in an old Android phone. It becomes a 24/7 household sync node that keeps every family member's devices up to date. Zero monthly cost.
Community Mesh
Join a local area. Share financial insights, community bulletins, and emergency alerts with your neighborhood — all without a central platform.
Open Protocol
VCN is a published, open standard. Any developer can build a compatible app. Any institution can adopt it. No permission needed. No licensing fees.
Give Your Clients Something
Nobody Else Can
Nemorith was built for people. But the people you serve deserve the same tools. Credit unions, community banks, advisors, and brokerages can white-label the entire platform — your brand, your clients, enterprise-grade financial intelligence that runs on their device and syncs without your infrastructure.
The relationship is yours. The trust is yours. The software just makes sure you can deliver something extraordinary — Monte Carlo simulations, trust lifecycle tracking, mesh-synced multi-device access, AES-256 encryption — without building it from scratch or paying per seat.
They Charge You Monthly.
We Charge You Nothing.
Enterprise-grade sync architecture on hardware you already own. Monte Carlo retirement simulation. Roth conversion optimizer. What-If scenario sandbox. Historical stress testing. Debt stacking engine. Trust lifecycle management. AI financial assistant. Receipt scanner. 64-currency support. AES-256-GCM encryption on everything.
Free. Open source. Yours forever. Welcome to the new standard.
Verified by Real Users.
Owned by No One.
App stores control your ratings. They can remove them, weight them, hide them. Nemorith uses the Veydrin Rating Standard — a completely new approach where every rating is cryptographically signed by the user who submitted it, relayed through a stateless server that holds nothing, and committed to a public git repository anyone can inspect.
Built With Purpose
Justin Chase Ford
Nemorith exists because financial tools should respect the people who use them. No one should have to pay a subscription to see their own money clearly. No one's financial data should be harvested for profit. This is software built to serve, not to extract. Every feature you see, from budgets to trust governance, is free, encrypted, and yours.
Ninth Star Foundation
Nemorith and Finaxius™ are both Ninth Star Foundation projects. Where Finaxius teaches financial literacy using your real numbers, Nemorith gives you the tools to act on it. Both free. Both open source. Both built because this should exist for everyone.