Bank-embedded financial intelligence
Not another budgeting app. Not a cash advance. A planning layer inside your bank that turns transaction data, bills, debt, and income timing into one clear number: what's safe to use right now.
Balance. Transactions. What you already spent. A rearview mirror when you need a windshield.
Treat the symptom. Lend you money you haven't earned yet, then charge fees to get it faster.
Require you to categorize every purchase. Most people quit within 90 days. The problem isn't discipline.
People don't need more data. They need one answer: "Is this purchase safe?"
We read your transaction patterns, recurring deposits, and spending velocity to understand your cash flow rhythm.
Rent, utilities, subscriptions, insurance. We identify what's committed before you can and subtract it from your runway.
Minimum payments, due dates, interest accrual. These aren't optional, so they come off the top.
Payroll data, direct deposit patterns, optionally hours already worked. We forecast your next paycheck and count the days.
We round down on income estimates and round up on expenses. If we say it's safe, it's safe. No optimistic projections that leave you short.
Every number shows its math. "$347 safe to spend" breaks down into: $1,240 balance, minus $580 in upcoming bills, minus $313 in debt payments, plus a $0 buffer. No black boxes.
This isn't another app to download. RunwayPay lives inside the banking app people already use, with the data already there. No account linking. No onboarding friction.
We don't offer advances, earn fees on overdrafts, or profit when people run out of money. Our incentive is the same as yours: make the right call before it's too late.
Every overdraft fee, every unnecessary cash advance, every late payment that tanks a credit score starts with the same problem: someone didn't know what was safe. We're building the intelligence layer that makes that obvious, embedded right where the money lives.