Every card you own.
One tap to rule them.
Create a demo account to walk the real platform end to end: KYC, funding cards, the live authorization engine, Switch, family wallets — the same code paths as the production spec, on simulated vendors.
In-memory demo backend — state resets when the server recycles. Nothing here is real money.
—Account
Ledger balances double-entry, per currency — spend vs. funding-card clearing
| Account | Currency | Balance |
|---|
Funding cards
The 3DS challenge at enrollment establishes the MIT mandate — without it the card is stored but can never be charged.
Bank accounts open-banking A2A rail (PSD2 PIS)
Funding legs cost cents instead of percent. Consents carry a 90-day SCA window; expired or revoked consents decline and the failover queue takes over.
Smart rules first match wins; the rest of the wallet is the failover queue
Disposable virtual cards
Merchant-locked cards bind to the first merchant that charges them and decline everyone else. Single-use cards terminate after one approval.
Card controls every change needs a step-up-verified session
Travel mode
One tap opens what travel needs: foreign spend, magstripe for swipe-only terminals, ATMs. Turning it off restores the secure magstripe-off default.
Blocked merchants
Issuer-side blocks — the subscription radar's "cancel" button. A blocked merchant declines at authorization, no matter which funding card.
Simulate a payment hits the real authorization engine
Decision
Transactions
Switch retroactively moves a payment to another funding source (refund → charge saga, window per plan). Settling runs cashback accrual.
| When | Merchant | Amount | Status | Funding |
|---|
Subscription radar
Recurring-charge detection over settled transactions (≥3 charges, ~monthly cadence, stable amount). Feed it by settling the same merchant across months — or block straight from here.
Family wallet
Members get their own Valuto that spends your funding sources — under your policy: monthly cap, category blocks, ATM switch. Seats come with paid plans (Plus 1 · Pro 3 · Metal 5).
| Member | Status | This month | Cap | Blocked | ATM |
|---|
"Add member" creates a KYC-approved demo user, invites and accepts in one go. Use the Spend tab's card selector to pay as a member.
Policy —
Plan
Cashback retailers
1% at the retailers you pick; accrues at settlement, never at authorization.
FX calculator mid-market + plan margin above your monthly allowance
Fraud-ops security flags never user-facing in production; shown here to demo the kill switch
The challenge-all kill switch forces 3DS on every online transaction platform-wide — the active-attack response. Hard-coded PSD2 SCA mandates sit below all of this and no flag can suppress them.