Private-beta transparency

What TMonie can and cannot do today

Last updated: 30 July 2026

TMonie is an authenticated financial-planning beta. It is not yet a production financial platform.

Available now

• Email/password accounts and a self-reported financial profile.
• Deterministic safe-to-use and Financial DNA beta calculations.
• An interactive car-purchase comparison with visible assumptions.
• Consent history, data export and privacy-request workflows.
• Authenticated goal creation, editing, pausing, completion and deletion.

Illustrative experiences

Transactions, cash-flow forecasts, coach responses, opportunities, other simulator scenarios and connected-account data are demos. Goals are user-created records and can be linked to purchase plans. They are not live bank information or general AI advice.

Before wider release

We must complete provider integration, calculation validation, independent accessibility and security assessment, jurisdiction-specific legal review, production monitoring and representative user research.

Blockchain and payments

TMonie does not currently use blockchain, cryptoassets or smart contracts, and no blockchain integration is required for the private-beta decision experience. We will only evaluate decentralised technology for a specific user need after privacy, security, legal, cost and accessibility review. TMonie does not hold or move money.

Product boundary

TMonie does not hold or move money, issue credit, make decisions for you or currently provide regulated financial advice. Do not rely on beta output as your only basis for a consequential decision.