Encrypted SQLite
on this computer
YOUR FINANCIAL FORTRESS
The financial operating system
on your machine
Desktop app. Encrypted SQLite. Works offline.
macOS and Linux today · Windows waitlist · Unlock each session
Your money shouldn't have to live on our servers.
Cloud apps are convenient. They are also someone else’s disk.
Keep the file here.
The database sits on your machine. You can run Moat with the wifi off.
What stays on your computer
Offline
Budgets and transactions work without a connection
Unlock
Touch ID or a password opens the app
Your call
Bank sync and cloud backup stay off until you turn them on
What leaves your computer?
Optional
Bank sync
Only if you connect an account. Plaid does the bank login. We never see that password.
Optional
Cloud backup
Only if you turn it on. Then the profile uploads to Moat.
You choose
Your AI assistant
Local MCP stays on this computer. Claude or ChatGPT still receive whatever you let them see.
Account
Account stuff
Sign-in, billing, recovery, and product analytics can contact Moat.
Your finances. Your machine. Connect to AI locally.
A Moat account starts the 30-day bank-sync trial.