UK · EU · Switzerland · one ledger
Money with altitude.
Pounds, euros and francs with local details, a card that just works, and a ledger you can read line by line.
GBP · Faster Payments£0.0099‑23‑17 · 12345678
EUR · SEPA Instant€0.00LT12 3250 0000 1234 5678
CHF · SICCHF 0.00CH93 0076 2011 6238 5295 7
USD · on the way$0.00Quote 1.2704 · 30 s
4currencies with their own local account details
0.50 %exchange spread, shown before you tap
30 sa quote holds, then expires, executes once
0payments sent twice, by construction
The app
Four things. Each does what it says.
Total across 3 accounts, in GBP
£11 270.60
Today
Send
GBP99‑23‑17 · 12345678£8 210.15
EURLT12 3250 0000 1234 5678€3 100.00
CHFCH93 0076 2011 6238 5295 7CHF 410.00
ShellHolding £50.00 until the pump knowsHold
AigerimSent 14:02 · received 14:02−25.00
To Aigerim · 20‑40‑60 · 55667788
£25.00
Face ID to confirm. The ledger posts two lines; you can open both.
Send £25.00
Name checkConfirmation of PayeeMatch
LeavesFaster Paymentsnow
FeeDomestic GBP£0.00
Referencewhat she’ll seeDinner
Alato Card · virtual
•••• 4417
Freeze, limits and the full number live here, not on the plastic.
Freeze card
ShellHold · settles for what you pumped−50.00
CoopSettled 09:14−18.35
SBBSettled 08:02 · CHF 3.70−3.25
Summit · Ski week
£1 240 / £2 000
A pot is the same ledger, the same currency, a different line.
Add £50
Every FridayAuto‑move from GBP£80.00
Round‑upsCard spending, to the poundon
Reach byat this pace12 Jan
Exchange
The rate you see is the rate you get.
Mid‑market reference plus 0.50 %, written on the screen, held for 30 seconds. Drag the amount; nothing is hidden in the number.
£100.00
$126.40
Alato Card
Two finishes. Zero numbers on the face.
Basalt for people, Snow for business. The number, expiry and CVV live in the app, where you can freeze the card in one tap.
alato
AIGERIM T.•••• 4417[SCHEME]
The ledger
Every move, on the ledger.
Double‑entry, append‑only, balanced per currency at commit. Each card below is one real posting: two lines that sum to zero.