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FNZ/VT-40X1 · PRIVATE FINANCE SYSTEM · SWITZERLAND
Orven

Orven

YOUR MONEY
HAS A STORY.
WRITE IT YOURSELF.

Not a budgeting app. A financial discipline system — with two AI advisors who know every franc you've spent and every goal you've set. Your data stays isolated. Forever.

0
CHF spent contactless per month per adult in Switzerland — most of it without conscious awareness.
Source: Swiss National Bank 2023 · moneyland.ch
[ Take back control ] See the problem →
Your data
Isolated. Never shared.
AI advisors
Two specialists, one plan.
Languages
DE · EN · RO
Platform
PWA — phone to TV
85%
of in-store payments are now contactless
Mastercard / Visa 2024
1'200
Avg. monthly contactless spend / adult
BIS Red Book 2023
52%
more likely to impulse-buy with card vs. cash
Forbes survey 2024 · n=2,000
47%
say they spend more with digital wallets
Cashless Effect · Univ. Adelaide 2024
// App Preview

YOUR MONEY.
Finally visible.

Four tools. One system. Total clarity.

SERIAL: FNZ/DB-01 DASHBOARD
ORVEN APR 2026
// MONTHLY SURPLUS
1'965 CHF
IN
8'200
OUT
4'108
SAVE
2'127
// HEALTH
50/30/20
68%
FIRE
34%
3a PILLAR
91%
01
Dashboard
Your complete financial picture in one morning glance.
SERIAL: FNZ/EX-02 EXPENSES
EXPENSES APR 2026
// CATEGORIES
🛒Groceries
642
🏠Housing
1'850
🚌Transport
264
🍜Dining
392
// RECENT
☕
Coffee — Starbucks
Today 08:14 · TAP
−8.90
🛒
Migros
Yesterday 18:32
−67.40
💼
Salary
01 Apr
+8'200
02
Expenses
Every franc tracked. Every category visible.
SERIAL: FNZ/AI-03 AI ADVISOR
FINANZ-VATER ● ONLINE
April 14 days in. CHF 1,840 spent — 68% of budget. Food over by CHF 94.
How much left for the weekend?
CHF 391 available. Keep weekend under CHF 180 for 40% savings rate.
Skip 3a this month?
Ask about your finances…
→
03
AI Advisor
Your personal advisor. Knows your numbers. Answers in your language.
SERIAL: FNZ/GL-04 GOALS & FIRE
GOALS APR 2026
// 🔥 FIRE TARGET
17 YEARS
Independence by 2041
// ACTIVE GOALS
🏦Emergency Fund78%
📈IBKR Portfolio45%
🏡House deposit18%
04
Goals & FIRE
Track every goal. Know exactly when you reach independence.
The problem

THE ERA OF
invisible money.

A generation ago you felt every franc leave your wallet. The paper, the coins, the empty pocket — they told you the truth in real time.

Today you tap a card. You double-click a watch. You scan a phone. The transaction is done before your brain has processed it. No friction. No moment of decision. Just a tap and it's gone.

+18%
People spend significantly more when paying digitally. The "cashless effect" eliminates the psychological pain of spending — there is no physical handover, so the brain registers no loss.
Journal of Retailing · Schomburgk et al. 2024 · University of Adelaide meta-analysis
1 in 2
Swiss adults cannot accurately recall what they spent last week — because the touchless tap leaves no memory trace comparable to handling cash.
Swiss Payment Monitor 2022 · ZHAW / University of St.Gallen
Today — without tracking
☕
Coffee + croissant
08:14 · Contactless
TAP - 8.90
🚌
Public transport
08:31 · Contactless
TAP - 4.40
🛒
Grocery — Supermarket
12:48 · Contactless
TAP - 34.20
🍜
Lunch · Takeaway
13:05 · Contactless
TAP - 16.50
📱
Streaming · 3 services
Auto-renewed · Silent
AUTO - 47.80
Today alone, without noticing: - 111.80 CHF
The solution

A PLAN THAT KEEPS
YOU in touch
WITH YOUR MONEY.

Orven is not another budgeting app. It is a financial discipline system — built for people who want to understand where every franc goes and build towards something real.

You set the plan. The AI keeps you honest. The data stays yours, isolated in your own Cloudflare D1 database — visible to nobody but you.

01

STRUCTURE YOUR reality

Income, fixed costs, debts, savings goals. The system builds your baseline — your real financial picture, not the one you imagine.

02

LOG EVERY tap

5 seconds. Amount, category, done. The friction of logging is the friction you lost at the payment terminal. It restores awareness.

03

ASK YOUR advisor

Your AI advisor knows your plan, your history, your goals. Ask anything. Get answers grounded in your actual numbers — not generic advice.

What's inside

EVERYTHING YOU NEED.
Nothing you don't.

Every feature serves the same purpose: give you a clearer picture of your money. Nothing is added for show.

01
Executive Dashboard
Income, spending, surplus, savings rate and debt exposure in one view. A 5-second morning check.
Core
02
Expense Tracking
Variable, fixed and recurring. Categories, search, filters. Log in 5 seconds. Export anytime.
Core
03
Financial Plan Builder
Emergency fund, investment allocation, FIRE calculator. Build the plan, track progress, adjust as income grows.
Core
04
Debt Intelligence
Track every loan. Avalanche vs Snowball simulation. Real APR calculation. See what debt actually costs.
Live
05
Orven Coach — AI Coach
Daily guidance. Knows your numbers, remembers goals, answers in your language. Always available.
Live
06
Orven Audit — Debt Analyst
Clinical contract analysis, hidden cost detection, repayment strategy. For when the numbers matter most.
Live
07
Analytics & Reports
6-month trends, category breakdown, weekly AI analysis. CSV and PDF export.
Live
08
Knowledge Hub
Curated financial education — articles, guides, frameworks. Clean, ad-free material for people who take money seriously.
Coming
AI Advisory Layer

TWO ADVISORS.
BUILT AROUND
your numbers.

Most apps give you charts. Orven gives you a conversation. Your advisors have access to your complete picture and respond in your language.

Orven Coach
Daily coaching. Helps you spend with intention, protect savings and make better decisions. Warm, strategic, always contextual.
Orven Audit
Debt specialist. Clinical and precise. Analyses contracts, calculates true cost, compares repayment strategies.
Orven Coach Online
April is 14 days in. You've spent CHF 1,840 — 68% of your variable budget. Food is over by CHF 94. Want to adjust or compensate elsewhere?
How much can I spend on the weekend without breaking my plan?
Remaining budget: CHF 871. Fixed costs still due: CHF 480. Available: CHF 391. Keep weekend spending under CHF 180 to stay above 40% savings rate.
What if I skip the 3a contribution this month?
Saves CHF 588 now. Costs the tax deduction + 30 years of compound growth. At 5% return, that contribution becomes ~CHF 2,540. I wouldn't skip it.
Ask about your finances...
The roadmap

A PLATFORM THAT
GROWS TOWARD
financial knowledge.

Orven starts with awareness and control — knowing where every franc goes. From there it evolves into a full knowledge platform: clean, ad-free financial education for people who want to understand money at a deeper level.

No ads. No data sold. No algorithmic distraction. Just the tools and knowledge to build a real financial plan.

I
Live now

Awareness & Control

Expense tracking, dashboard, debt management, AI advisors. Foundation: know where every franc goes.

II
In development

Planning & Growth

FIRE calculator, investment tracking, 3a pillar optimisation, portfolio view. Build the plan, watch it compound.

III
On the horizon

Knowledge Hub

Curated articles, guides, frameworks. The financial education layer — clean, ad-free, built for people who take money seriously.

IN DEVELOPMENT

The Orven app is still in development and will launch soon. For more information, contact our team at info@finanzvater.com

Pricing

SIMPLE.
Transparent.

No ads. No data sold. No hidden costs. Two plans — one for discipline, one for full intelligence.

F_01 · CONTROL
Control
EARLY ADOPTER · GRATUIT
4.99
CHF / month
0 CHF
Early Adopter offer — free until official launch
Manual tracking. Full visibility. Zero noise.
  • [ ✓ ] Dashboard & analytics
  • [ ✓ ] Manual expense logging
  • [ ✓ ] Debt tracker & goals
  • [ ✓ ] FIRE calculator
  • [ ✓ ] Full manual — PDF guides
  • [ ✓ ] Multi-currency support
  • [ — ] AI advisor (Orven Coach)
  • [ — ] Debt contract analysis
  • [ — ] Weekly AI analysis
[ Start tracking ]
F_02 · FULL STACK
Intelligence
9.99
CHF / month
Everything in Control + full AI advisory layer.
  • [ ✓ ] Everything in Control
  • [ ✓ ] Orven Coach AI coach
  • [ ✓ ] Orven Audit debt analyst
  • [ ✓ ] Weekly AI spending analysis
  • [ ✓ ] Contract & hidden cost detection
  • [ ✓ ] AI-powered FIRE projections
  • [ ✓ ] Priority support
  • [ ✓ ] Early access to Knowledge Hub
  • [ ✓ ] PDF & CSV export
[ Get full intelligence ]
Most popular · Cancel anytime
All plans: isolated private database · No ads · No data sold · DE · EN · RO
//Start today
STOP PAYING
IN THE dark.
[ Open Orven ]
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