Your budget, enforced at the swipe.
A budget app tells you what you already spent. Rein answers the terminal: your envelope balances arethe card's spending power, so a charge that would break the plan gets stopped before the money moves.
Decline, then recover in one tap.
When a merchant runs your card, the network asks Rein whether to approve it. Rein reads the envelope and answers inside that authorization— and if it can't answer in time, it declines rather than guessing. On an empty hard-stop envelope, the decline arrives on your phone naming the shortfall and 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.
Dining is $8.40 short. Cover it from Fun and try again?
Firm where it matters. Flexible where it doesn't.
Not every envelope deserves the same rule, so each one carries its own. Detour pulls the shortfall from a backup envelope you name, and declines if that one is empty too. Speed bump — the default — lets the charge through and marks the envelope overspent so you square it up. Online gate declines online, where a decline is private and costs you ten seconds, but lets a charge through at a register and flags it instead. Hard stopdeclines the moment it's empty, anywhere.
You don't pick an envelope at checkout.
Vendor rules, merchant types, and locked cards send the charge to the right envelope. You swipe once. You can recode afterward, and cap the ones that tend to creep.
Point a merchant at an envelope once and every future charge routes there automatically.
Move a charge to the right envelope after the fact, or split one across several. Rein remembers the ratio for next time at that merchant.
Cap a card at what a subscription costs today, and the charge declines when the price goes up or a trial converts at full freight.
A charge resolves to an envelope by card binding, merchant rule, or merchant category. Anything unrecognized lands in Everything Else.
Every posted charge pushes with its envelope, and the notification opens straight to the charge so you can recode it.
Leftovers carry, sweep, or return as you told each envelope to. An envelope you overspent comes out of next month's Unassigned.
You set the rule. The card applies it.
Join early access, or open the demo and feel the decline-and-recover loop yourself.