Building in private — early access soon
Your bank holds the money.
You hold the authority.
Load.money is a programmable authority layer for connected accounts. Define rules, require approvals, delegate narrowly, and audit everything — without giving up custody.
The prototype runs entirely in your browser — no account required.
The control plane for your money
Policy
Write rules in plain English. Simulate before you activate. Versioned, deterministic, explainable.
Approvals
Sensitive actions pause for review. Step-up where it matters. Decisions recorded forever.
Delegation
Grant narrow, expiring authority to a person or — eventually — an agent. Revoke in one tap.
Audit
Every change, attempt, and decision is recorded in a tamper-evident log you can verify.
How it works
01
Connect
Link the accounts you already use. Read-only. Load.money never moves your money.
02
Define
Build policies in plain English. Reserve income, cap subscriptions, restrict categories. Simulate every rule before activating it.
03
Authorize
Approvals when something matters. Alerts when it changes. Delegation when you want help. Audit when you want certainty.
What Load.money is — and isn't
We don't hold your money. We don't store balances. We aren't a bank, a wallet, or a blockchain. We are the layer between your intent and your accounts: identity, authorization, policy, approvals, delegation, and audit.
Is
- Authorization layer
- Policy engine
- Approval system
- Delegated authority
- Tamper-evident audit
Is not
- A bank
- A wallet
- A custodian
- A blockchain
- A money transmitter
Rules you can read out loud
Every policy renders to plain English. Every policy is versioned. Every decision is explainable.
- →If freelance income arrives, reserve 25%.
- →If a recurring charge exceeds $49 per month, require approval.
- →Allow my assistant to approve invoice payments up to $300.
- →Alert me when travel spend exceeds the monthly cap.
Early access
We're inviting a small group of founders, operators, and creators first. Tell us where to reach you.
We'll only email you about Load.money. No newsletters, no resale.
Load.money is a software layer, not a bank. Funds remain with your connected providers. Certain features depend on provider support.