About Orbiq — personal finance for a cross-border life
A heartfelt note from the Orbiq team.
Your wealth trajectory is a reflection of the relationship you have with your money. For a long time, we focused only on the big picture - monthly income and expenses - while frequently feeling guilt over even the most sensible purchases. This was a loop we knew we had to break to build a genuinely better relationship with our finances.
We remember our parents meticulously tracking every penny in a physical diary. But in today’s complex world, that simplicity is gone. Managing multiple bank accounts, credit cards, and investments across different platforms - and often different countries - makes even a standard spreadsheet feel like a manual, monotonous, and unsustainable chore.
My wife and I would literally plan café trips just to find the motivation to update our financial spreadsheets. We often ended up just enjoying the croissants and coffee instead - fun trips, but not very productive!
Why we built Orbiq
We personally tested at least four of the leading paid applications, but none of them provided the comprehensive "single pane of glass" we needed. We built Orbiq because we wanted more than just a list of transactions; we needed:
- Drillable Dashboards that actually reveal insights.
- Proactive Alerts for upcoming payments.
- Credit Score Boosting via intelligent prepayment reminders.
- Integrated Goals for both investments and budgets.
- AI-Powered Tools that turn boring tasks into an engaging experience.
Operating across borders, we realized that most applications completely ignore the "Expat Gap." We built Orbiq for those who live a global life, providing a platform that effortlessly consolidates international transactions and offers a one-click currency toggle - removing the mental exhaustion of manual conversions.
Built for a cross-border life
If you earn in one currency, pay rent or send money home in another, and hold savings in a third, Orbiq is built for exactly that. Here's what that looks like in practice:
- One honest ledger across 15 currencies — CAD, USD, INR, GBP, EUR, AUD, NZD, BRL, SGD, HKD, CHF, SEK, NOK, DKK and PLN — with a one-click Currency Lens to see everything in your home currency.
- Real per-transaction FX captured at import, so conversions reflect the rate on the day money actually moved — not a blurred month-end average.
- Cross-border transfer & remittance detection, so the money you send home stops showing up as a mystery expense and starts being counted as what it is.
- Import from anywhere — screenshot, PDF, CSV / Excel and OFX / QFX — including Indian bank formats, with no bank-aggregator login required.
- Capital-flow and wealth visualization that shows where your money actually went across accounts and countries.
- Privacy-first, and built in Canada — encrypted at rest, PIPEDA-aligned, with your financial data kept firmly under your control.
We believe in you. The problem isn't your commitment; it's the process itself, which simply doesn't work for most people. That's why we poured our hearts into building Orbiq.
Who builds this
Orbiq is built by Sumeet Chaurasia, operating as FINARO CAPITAL SERVICES INC. in Toronto, Ontario. He is also the named Privacy Officer — the same person is accountable for the code and for what happens to your data, and both are on the record rather than behind a support alias.
Orbiq did not appear last month, and you should not have to take that on trust:
- The changelog — every release, dated, running back through the work that preceded the Orbiq name.
- The governance record — the processing record, data classification policy, AI impact assessment and vendor reviews, published in full with their version numbers and effective dates.
- Status — live availability, checked from infrastructure separate from the app, with past incidents kept visible.
- Your data is yours — the full export format, and a sample export you can download without an account.