For couples

Shared money, separate privacy

Krateo's Gift mode keeps surprises hidden until the day they're meant to be found. Everything else stays as shared, or as private, as you both decide.

Two lines that run together, cross, then separate again
Together, and still yours

A feature built for surprises

Mark a purchase as a gift and it stays out of your partner's view of the shared ledger until the date you choose: a birthday, an anniversary, whenever it's meant to be found. Then it reveals itself, right on schedule.

Privacy that goes deeper than one setting

Gift mode

Some purchases are surprises. Mark one as a gift and it stays hidden from your partner until the date you choose, then it reveals itself, exactly when it's supposed to.

Per-transaction privacy

Not every purchase needs to be a joint decision. Keep individual spending private by default, and share what you want to share, transaction by transaction.

Shared goals, individual contributions

Set a joint goal together. Each partner's contribution can stay visible to both, or private to just the goal. You choose how much detail to share as you go.

Shared money, still your own

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