Six applications. No answers.
Your bank in one app. Your broker in another. Your crypto in a third. Real estate in a spreadsheet, debts nowhere, and your net worth somewhere between the six, unreadable.
The wealth exists: accounts, securities, real estate, liabilities. But it remains scattered, unreadable, endured. Ad Viternam brings it into a single view. Yours.
What the terminal consolidates
- Current and savings accounts — open banking (PSD2) connection through Enable Banking, a licensed account information service provider (AISP); real balances and transactions. Ad Viternam never sees your banking credentials. Consent is renewed every 180 days and can be revoked at any time.
- Securities portfolios — brokerage accounts synchronised through SnapTrade, positions consolidated.
- Crypto-assets — tracked alongside the rest of the portfolio, synchronised or entered manually.
- Real estate — current value, rent received, associated mortgage.
- Debts — loans, outstanding principal, monthly payments, repayment schedule.
- Multi-currency — one reference currency, one global view.
Your wealth, at a glance
Net worth, assets, debts, this month’s budget, goals: everything you own and everything you owe fits on one screen. Nothing to calculate: the terminal absorbs complexity, it does not delegate it back to you.
Simple first
Included in every plan, including Free
Aggregation is the heart of the free plan. Permanent, no card, no limit on accounts, with bank data refreshed four times a day. You connect your accounts, you open the terminal, you see where you stand. The complete instrument (ratios, forecasts, markets, geopolitical intelligence) exists for those who want to go further; it is never a prerequisite. The clear view is the starting point, not the reward.
Read-only, by design
The terminal observes. It never moves a euro: no payment, no transfer, no order. Single session with device approval, two-factor authentication, erasure within 72 hours upon request.