The Next Chapter for GLOSS Vault
When we first launched GLOSS Vault, the goal was simple: help your finances improve without the extra effort.
Since then, a growing group of early users have connected their accounts and started using the app. Some of you have even supported the project through premium subscriptions. That early support helped us learn what works, what doesn’t and what people actually want from a modern money tool.
Today, we're introducing the next evolution of GLOSS Vault. And this time, we've flipped the model entirely.
A Simpler Approach to Money Management
GLOSS Vault has always been built around the idea that improving your finances shouldn’t become a second job.
Most financial tools assume you’re going to track every expense, analyse every detail and spend more time on money. But for many people, that’s exactly the problem. Money management quickly turns into a project that demands constant effort and discipline.
The Vault was designed to take the opposite approach. Connect your accounts and the system automatically organises your transactions, shows clear spending breakdowns and highlights simple ways to improve your finances.
With this latest version of the app, we’ve expanded that foundation further by adding support for superannuation, Opal and crypto, giving you a more complete picture of your finances in one place.
The goal remains the same: the app does the financial housekeeping while you do literally anything else.
Introducing Vault Credits
At its core, managing your money is about getting more out of it. So we built a system that starts doing that from day one.
The biggest upgrade in this new version of GLOSS Vault flips the script: credits and rewards.
Until now, our bank automation features have operated on a subscription model. With the introduction of Vault Credits, that model begins to change. During early access, members receive credits upfront that cover the cost of subscription features from the start.
From there, there are three ways to keep earning:
Watch ads – opt in to watching ads inside the app. A simple exchange that keeps your subscription covered.
Take a Vault offer – access cashback deals, flash offers, or switch to a better provider through us. You get a share of what we earn. (Coming soon.)
Publish your data – choose to share your financial data directly with advertisers for the biggest credit reward. Unlike most platforms that do this anyway without telling you, this is entirely optional and 100% in your control – and we can never see your data. (Coming soon.)
Any surplus credits accumulate toward gift cards and cash redemptions.
The system starts paying you back from day one. And the more you engage, the more it compounds in your favour. Basically, GLOSS Vault doesn’t just organise finances – it starts creating an unfair advantage for its users.
Built with Institutional Experience for Australians
Before creating GLOSS Vault, our team spent more than a decade building financial systems for hedge funds and institutional investors – software designed to manage billions.
That experience shaped how we built the Vault. The goal wasn’t to turn everyday users into financial analysts, but to bring the same clarity and structure to individuals through a system that works quietly in the background.
That experience shaped how we built the Vault. The best institutions don't rely on knowing everything or being constantly on top of it — they build systems so good that they don't have to think about it. Their money works whether they're watching or not. We wanted to build that for everyone else.
The product is designed specifically for the Australian financial ecosystem and operates under Australia’s Consumer Data Right (CDR) framework, so your bank authentication happens directly with your institution – and you remain in control of your data.
What This Means for Existing Users
If you’re already using GLOSS Vault, thank you. Your feedback and support helped shape this next version of the product.
Early premium subscribers will receive credits as the rewards system rolls out, along with an additional year of premium access to show our appreciation for your support. This will be applied automatically. As rewards expand, these credits can be used toward redemptions.
Early Access
We’re now opening the next phase of GLOSS Vault to a broader group of early Australian users.
If you’ve been curious about getting a clearer view of your finances – without turning money management into a project – now is the perfect time to try it.
Early access credits mean it won’t cost you anything to get started.
Connect your accounts, let the system do the maths homework and watch your finances start moving forward while you get on with your life.
