The wealth exists. It’s there — accounts, securities, real estate, liabilities. But it remains scattered, unreadable, endured. The instrument that brings clarity has always belonged to those who manage other people’s money. We return it to its rightful owner.
55 ratios. One global score. Liquidity, debt, savings, financial independence — every dimension of your situation, calculated, tracked, legible. The terminal absorbs complexity. It does not delegate it back to you.
World map and geopolitical monitoring. OFAC sanctions screening. Entity dossiers. Alerts.
GEO — your portfolio exposure mapped against geopolitical risk, on a single map.
The information that concerns you finds you. You don’t search for it.
Reach a target. Clear a debt. Change a pattern. Three intentions, one trajectory. The terminal sets the course and holds it — over 30 days, over 12 months, over whatever horizon you choose.
Create a household or join one. Shared goals. Invitations and roles. Full disconnection on deletion — providers, data, access.
HouseholdThe entry point, permanent, no card.
The terminal for two. No price change without 30 days’ notice.
The terminal at full power. For the first to arrive.
The intelligence tier. The complete instrument.
Ad Viternam is a personal financial terminal: a wealth dashboard that brings bank accounts, securities portfolios, crypto, real estate and debts into a single view, so you can track your net worth, budget and goals. It is published by Ad Viternam SAS (Paris, France) and available on iPhone and iPad (App Store), on Android (Google Play) and on the web at app.adviternam.com — one account, the same data everywhere.
No. On the Free plan, free and with no card required, Ad Viternam does one simple thing: it brings all your accounts together in one place (banks, brokerage, crypto, real estate, debts) so you can see at a glance what you own, what you owe, where your money goes and how your goals are progressing. No financial knowledge is needed. Depth comes with the paid plans: a shared household with Duo; the 55 ratios, forecasts, detailed portfolio analysis, markets and alerts with Early Pro; and the more technical geopolitical intelligence with the AVI plan.
Ad Viternam aggregates your accounts. Bank accounts connect through open banking (PSD2) via Enable Banking, a licensed account information service provider (AISP); brokerage accounts sync via SnapTrade. Access is strictly read-only: Ad Viternam never sees your banking credentials and cannot initiate any payment or order. Bank consent is renewed every 180 days, as PSD2 requires, and can be revoked at any time.
Yes. The net worth tracker consolidates assets and liabilities: current accounts, stock and ETF portfolios, crypto-assets, real estate and debts. Positions can be imported automatically or entered manually. CORE shows everything you own and everything you owe, PRT is your portfolio tracker and allocation, GEO shows your geographic exposure. Consolidation is multi-currency, in one reference currency.
Yes. FLW tracks your cash flow — money in, money out — while budgeting compares income and spending and measures your savings rate. For goals and forecasts, three intentions — reach a target, clear a debt, change a pattern — produce a projected trajectory over 30 days, over 12 months or over whatever horizon you choose.
55 financial ratios and one global score: liquidity, debt, savings, financial independence — every dimension of your situation, calculated, tracked and legible. BOOK keeps the journal of your investment decisions: every order qualified (open, add, trim, close), with realised P&L. Ratios, the global score and real portfolio performance as TWR (time-weighted return) are included from the Early Pro plan.
Ad Viternam Intelligence extends the analysis to the world that moves your numbers: world map and geopolitical monitoring, OFAC sanctions screening, entity dossiers and alerts, built on open sources (OSINT). GEO maps your portfolio’s geographic exposure against geopolitical risk. Ad Viternam Intelligence is reserved for the AVI plan.
Yes: the Enterprise offer (a treasury and financial-intelligence terminal built for teams) is a tailored implementation. Requests are made from the Plans section, Professionals tab; we then get back to you to define its scope.
The terminal is read-only: it observes and never moves a euro. Access is protected by a single session with device approval and two-factor authentication (TOTP or email one-time code). GDPR consents are granular and logged, your data is erased within 72 hours upon request, and it is hosted in Switzerland by Infomaniak (ISO 27001-certified infrastructure).
Free costs €0, permanently, with no card. Duo costs €6.99 per month (€69.99 per year) and links two users in a shared household. Early Pro costs €15.99 per month (€154.99 per year) and adds the 55 ratios and global score, forecasts, detailed portfolio analysis, Market & News (real-time quotes, fundamentals, watchlists) and notifications. AVI costs €59.99 per month (€599.99 per year) and adds Ad Viternam Intelligence (geopolitical monitoring, OFAC sanctions screening, Radar). The first 14 days are free on paid plans, with up to −19% on annual billing; subscriptions are secured via Stripe, the App Store and Google Play.
No. Ad Viternam is an information and analysis tool: it provides no investment advice, is licensed neither as a financial investment advisor (CIF) nor as an investment services provider, and no order can be placed through the platform. Financial decisions remain yours.
The terminal is live.
Resurgence is inevitable.