Your bank and your budget are the same account.
Direct deposit in. A card to spend. Envelopes that hold the money. When the terminal asks, the envelope answers.
Deposits held at a partner bank, Member FDIC.
The whole idea, in one swipe.
The chart is too late.
A tracker on top of your bank adds up the damage after it's done. Rein answers the authorization itself. When the terminal asks whether the charge is good, the envelope is the answer, while the reader is still waiting.
Swipe once. Rein already knows which envelope.
You don't stand at the register picking Dining or Groceries. Vendor rules, merchant types, and locked cards send the charge to the right envelope. The everyday card spends the plan. A locked card can only spend at one store, from one envelope.
You set the rule. The card applies it.
Give each part of life its own envelope: groceries, dining, gas, whatever you want. Fund them, then decide, envelope by envelope, what the card should do when one runs dry. You set the rule once. The card applies it every time.
Money you set aside stays set aside.
What you don't spend stays in the envelope. You tell each one where leftover goes: carry it into next month, return it to Unassigned, or sweep it into a goal. Lock a goal and the card can't spend from it. Rein won't borrow from it to cover another envelope. Getting money back out takes a deliberate move.
It is the account.
Direct deposit lands here and spending leaves from here. Your envelopes are slices of one secured deposit, so they add up to the balance. Money you haven't assigned yet sits in Unassigned.
Spend controls, the card, banking, security.
Four surfaces. One plan, one secured deposit.
Protection, plainly stated.
Secured deposits at a partner bank, instant card freeze, virtual cards locked to a single merchant, and a push on every transaction that opens straight to the charge. A decline is your rule firing, never a lack of funds.
For people who already do this by hand. Spreadsheets. Budget apps. A plan that only works if you're perfect.
The account, on your phone.
Fund envelopes, recover a decline in one tap, mint a locked card at checkout. iOS and Android.
Beta invites roll out from the early-access list.
The honest questions.
Both: that's the whole point. Your paycheck is direct-deposited into an FDIC-insured deposit account at a partner bank, and the envelopes you budget into are that balance. Money in and money out both run through an envelope, so the plan and the money are the same thing.
Your phone gets a notification naming the envelope and the shortfall, with the envelopes that can cover it. One tap moves the money, then you re-tap the card. You decide up front which envelopes are even allowed to decline. A decline is your own rule firing, never a lack of funds in your account.
No. Vendor rules, merchant types, and locked cards send the charge to the right envelope. You swipe once. If an envelope is empty and set to decline, covering it is one tap.
A budget app tells you after the money is gone. Rein enforces the plan at the swipe: the budget lives on the card, so it can stop a purchase instead of logging it once it has already cleared.
Your balance is a deposit held at a partner bank. It isn't invested, lent out, or put at risk: it's the same money your debit card spends from. No overdraft traps, no surprise fees.
No. Rein is a deposit-backed debit card. Your deposit is the limit, so there's no revolving balance, no APR, and no statement to pay. Envelope rules run at authorization so the plan can stop a purchase before it clears.
We're in early access, onboarding a first group carefully. Join the list and you can try the interactive prototype today to feel exactly how it works.
Your bank and your budget are the same account.
Join early access, or open the demo and move a dollar between envelopes.