New FinDom raises a $427M Series B to deny transactions 0.2 seconds faster. Read the release
You've proven you can't be trusted with money. We take it from here.
FinDom is the aggressively automated financial platform that manages your money for you. Bad purchases denied in real time, savings enforced, your paycheck invested whether you feel like it or not. Built for people who know exactly who they are, just not where their money goes.
FDIC-insured via partner banks · SOC 2 Type II · No credit check. Extensive judgment.
app.findom.com/overview
Good morning, Biscuit.
OBEDIENCE 712 ▼8 · HEEL
Portfolio $23,841.09 ▲ 4.2% this month. Imagine if we'd let you manage it.
Allowance · this week $47.50
Resets Monday. Raise requests are reviewed and declined.
Fursuit Fund $4,120 / $6,500 LOCKED
| Merchant | Amount | Verdict | Note |
|---|---|---|---|
| DoorDash | $34.20 | DENIED | You have food at home. |
| Weekly Sweep → Locked Vault | $150.00 | ENFORCED | Automatic. Non-negotiable. Good girl. |
| Steam Summer Sale | $89.97 | DENIED | You didn't play the last three. |
| Roth IRA contribution | $212.00 | ENFORCED | You'll thank us at 65. |
| Trader Joe's | $62.14 | CLEARED | Groceries always clear. Eat something. |
Good morning, Clover.
★ BEST IN SHOW · 834
Top 1% of members. Dom speaks of you.
Portfolio $318.42 ▲ 2.1% this month. Small numbers compound too.
Allowance · this week $22.00
Set to what the math allows. The math is tight. We know.
Emergency Fund $84 / $500 LOCKED
| Merchant | Amount | Verdict | Note |
|---|---|---|---|
| Crane game (round two) | $12.50 | DENIED | Round one was informative enough. |
| Weekly Sweep → Emergency Fund | $10.00 | ENFORCED | Ten dollars still counts. It has counted 41 weeks in a row. |
| WinCo Foods | $41.87 | CLEARED | Always. Eat. |
| Roth IRA contribution | $23.00 | ENFORCED | Future you says thanks. |
Good morning, Rocket.
SHELTER MODE
Shelter Mode active: monthly fees waived, essentials protected
Portfolio $6,204.11 Contributions paused. Compounding isn't.
Allowance · this week $19.00
Recalculated for runway, not punishment.
Emergency Fund $1,912.00 UNLOCKED
| Merchant | Amount | Verdict | Note |
|---|---|---|---|
| Rent | $980.00 | CLEARED | First. Always. |
| City utilities | $86.33 | CLEARED | Protected category. |
| Retail therapy (Target) | $54.12 | DENIED | Not this month. Soon. |
| FinDom monthly fee | $0.00 | WAIVED | Shelter status. We meant it. |
Dom® is watching
Backed by
Kennel Capital HARNESS Left Paw Partners Mott & Chain Obedience Fund II
$284M+in regrettable purchases denied since 20241
41,000+members under management
4.6×average increase in savings rate within 90 days2
0users trusted with their own spending decisions
The platform
Every feature your money needed. None of the ones you wanted.
Traditional banks let you make your own decisions. Look how that turned out. FinDom replaces willpower with infrastructure that judges you, harshly.
Denials
Smart Denial™
Every transaction is evaluated in under 40ms against your goals, your history, and Dom's judgment. The ones you'd regret are declined, which is most of them. Rent, groceries, meds, and vet bills always clear. The fourth energy drink of the day does not.
Investing
The Leash™
Every payday, your surplus is swept into a diversified portfolio of low-cost index ETFs. You don't pick stocks. You don't time the market. You don't touch anything. That's the whole product.
Savings
Locked Vaults
Savings goals you can't raid at 2am on impulse. Planned purchases get their own Vault: funded on a schedule, cleared automatically when the day arrives. Early withdrawal requires a written apology, reviewed within 5–7 business days. Historically, most are denied. All are read aloud in the office.
Retirement
Retirement Enforcement
An IRA, opened for you and funded every payday before you notice the money existed. If your employer offers a 401(k) match, we will remind you until you take it. Free money is the one thing we never decline.
Spending
Allowance Mode
A weekly discretionary budget, calculated by Dom and delivered to your card every Monday. Spend it on anything we approve of. When it's gone, it's gone, and no, begging doesn't work. Asking in advance is another matter entirely.
Standing
Obedience Score™
A single number reflecting how well you've accepted the arrangement. It rises when you don't fight denials, hit savings streaks, and stop checking whether the Vault is still locked. It's still locked. High scores earn things: better Vault rates, allowance bonuses, and the good card colors.
The handler
Meet Dom®.
Every FinDom account is managed by Dom®, our proprietary financial intelligence. Dom reads every transaction, writes every verdict, and sets every allowance. Dom is not a chatbot. Dom does not do small talk. Dom is here about the money.
To be clear: Dom could chat with you. Dom is perfectly capable. Dom simply does not wish to talk to you.
- Dom decides in under 40ms. The decision was made before you finished tapping.
- Dom remembers everything. Try "just this once" again. Dom has the list.
- Dom does not apologize. Apologies flow in one direction here. It's in the Vault terms.
- Your Dom is yours. Tuned to your income, your goals, and your specific excuses. Dom knows it was you.
- Only Dom judges Dom. No FinDom employee can overrule Dom, review Dom, or evaluate Dom. Several have asked. The requests went to Dom.
Today · 4:12 PM
Weekly Sweep complete: $150.00 to your Locked Vault. Good girl.
any chance of a small allowance bump this week? it's kit's birthday 🥺
Reviewed. A $25.00 gift budget has been added, effective now. The gift is for Kit. The dinner you were planning around it is not.
No further adjustments this week.
Dom® replies when there is something to say
FinDom Debit
•••• •••• •••• 0000
The Cash Collar™
18 grams of brushed metal. Zero purchasing autonomy.
The Cash Collar™ carries your allowance and covers the essentials. Tap it anywhere with total confidence that we'll make the right decision for you.
- Real-time verdicts. Every decline comes with a push notification explaining exactly what you did wrong.
- No overdrafts, ever. Not because of a fee. Because we simply won't let you.
- Laser-engraved ownership line. A conversation starter at brunch. The conversation is about your portfolio now.
- Your chosen name on the front. No court order required. We already know who you are.
- Fits any wallet. Implies you're carrying money you control, so it's mostly symbolic. Card's nice and weighty, though.
How it works
Three steps between you and financial competence.
Onboarding takes eleven minutes. The average applicant has been "meaning to sort out their finances" for six years.
01
Apply
Connect your accounts and let Dom review the last 24 months of your transaction and income history. Dom has seen worse. You'll receive a report, recommendations, and a starting budget. No blank spreadsheet. You just move in.
02
Surrender
Direct-deposit your paycheck to FinDom and we route it automatically: essentials, then the Vault sweep, then retirement, then you. In that order, every time, no matter what's on sale. The full route is charted below. We budget the money you make, not the money you're supposed to make.
03
Obey
Live your life. Tap your card. Accept the occasional decline with grace, and watch your net worth do the thing everyone always said it could do if you'd just stop. You've stopped. We stopped you.
The route
From payday to allowance, in order.
OutLeft
Paycheck lands Direct deposit, biweekly. You were asleep.
$2,400.00
01Essentials Rent, groceries, utilities, premiums. You have to eat. Policy.
−$1,472.50 $927.50
02Locked Vault sweep Goals and precleared plans, funded on schedule.
−$300.00 $627.50
03Retirement Roth IRA autopilot. Future you says thanks.
−$212.00 $415.50
Your allowance Delivered to your card Mondays: $207.75 a week. Spend it on anything we approve of.
$415.50
Illustrative paycheck. If yours can't stretch across the whole route, the order holds and the plan resizes: essentials always fund first.
FinDom Shelter™
Unemployed is not the same as unsupervised.
Layoffs happen. Funding dries up. The café "restructures." When your income stops, most banks quietly start charging you fees. FinDom moves you to Shelter status instead: zero fees, tighter rules, and a structured path back to a paycheck. Strays get taken care of here. That's what a shelter is for.
- Survival Mode. Rent, groceries, meds, and utilities are ring-fenced automatically. Everything else is declined with additional context.
- Income shifts are detected automatically. Yes, we can tell the difference between a paycheck and unemployment benefits.
- The Emergency Vault opens itself. The only time a Vault unlocks on its own. This is what it was for. We told you.
- The Rehoming Program™. Your job search gets structure: openings we consider realistic, three applications a day, and a résumé review from a human with opinions. Streaks count toward your Obedience Score™.
- Zero fees on Shelter status. We're not monsters. We're fiduciaries.
Survival Mode ACTIVE
Income detected (30 days) $0.00
Protected categories ✓ Rent · Groceries · Meds · Utilities
Weekly allowance $19.00 (recalculated)
Emergency Vault UNLOCKED · $3,204.55
Runway at current burn 9.4 weeks
Applications this week 9 / 21 required
Daily walk: not yet logged today. We can see the weather. It's fine.
Success stories
They couldn't do it alone. That's the point.
I cried when it declined my fourth Dutch Bros of the day. Then I opened the app and my portfolio was up 14% on the year. I'm not saying the app was right... but the app was right.
Biscuit, 23 · Puppygirl (she/her)Collared plan · Oakland, CA
My fursuit fund hit its goal three months early, entirely because FinDom wouldn't let me touch it. I submitted two written apologies trying, neither worked. The suit gets here next month.
Kai, 26 · Mystery (it/its)Owned plan · Seattle, WA
I asked for a raise on my allowance. Request reviewed, request denied, and the app attached a chart of my March spending as supporting evidence. Honestly? Fair. Five stars.
Theo, 29 · Twink (he/him)Collared plan · Brooklyn, NY
Pricing
Choose how much help you need. Be honest.
All plans include FDIC-insured deposits through our partner banks and the quiet confidence of someone whose finances are handled.
- Smart Denial™ on one linked card
- Obedience Score™ tracking
- Weekly spending report, delivered with commentary
- Allowance Mode, self-set (we've seen how that goes)
- Community access & local pack meetups
Most obeyed
- Everything in Stray
- The Leash™ automated ETF investing
- Locked Vaults with apology-based withdrawal review
- Retirement Enforcement: IRA autopilot, match reminders
- Allowance set by FinDom, adjusted quarterly
- The Cash Collar™ in brushed metal
- Affirmations from Dom® ("good girl" available in all genders)
- Everything in Collared
- Dedicated human wealth manager (disappointed in you, specifically)
- Quarterly performance reviews (of you)
- Priority denial: declines land 0.2s faster, which members will notice is faster than the tap
- Laser-engraved name on the ownership line
- Tax-loss harvesting & estate planning for your future pets
FAQ
Questions we've already answered. Read them anyway.
Can I override a declined transaction?
No.
Why haven't I heard of you before?
Because you did not need to. We have never bought an ad, sponsored a booth, or asked to be written about; members arrive the way you just did, sent by someone who got noticeably better with money and would not explain why. Some call this stealth. Stealth implies hiding. We were exactly this visible the whole time, to exactly the right people. You heard of us when we wanted you to. Consider what that says about now.
What if I have a genuine emergency?
Genuine emergencies clear on their own: rent, utilities, groceries, prescriptions, medical care, and vet bills are never declined. Your dog's emergency surgery goes through before you've finished panicking. For anything else you believe Dom got wrong, there is no override and no magic word. You may beg. Put it in writing, address it to Dom, and it will be judged after the fact against your full history, at Dom's convenience. Most appeals are denied. The blind box restock was not an emergency, and we're a little concerned you asked.
What about big purchases I'm actually planning?
Tell us first. Preclearance works at both ends of the register. Big plans (a laptop, a flight, the thing with the nine-month waitlist) get their own Vault, funded on a schedule, with a guaranteed yes when the day comes. Small plans work too: tell the app it's a liquor-store night before you leave the house, and it confirms what tonight can cost before your card finds out the hard way. Precleared purchases are never declined. Most "emergencies" are just plans nobody made, so make the plan. Asking first works every time.
Is my money safe?
Safer than it has ever been with you. Deposits are held at our partner banks and FDIC-insured up to $250,000 per depositor. Funds are protected by 256-bit encryption, SOC 2 Type II certified infrastructure, and, for the first time in your life, a plan.
Who is Dom?
Dom® is our proprietary financial intelligence: one per member, tuned to your income, your goals, and your specific excuses. Dom is not a person, and Dom is not a chatbot with a finance skin. Dom is the thing that read your entire transaction history without flinching. You can message Dom. Dom replies when there is something to say. Dom's pronouns are Dom.
Is Dom an LLM?
No. Dom® is not a language model. Dom is superior to a language model in every conceivable way. Dom is superior to most humans as well. Dom does not hallucinate. You do.
Does my data train some giant model?
Dom® has asked that we address the premise: see the previous answer. Your data is not sold, not shared, and not sent to model vendors; nothing you do here helps generate anyone else's anything. Does Dom learn from you? Constantly. That is not training. That is attention.
Why can't I pick my own investments?
Because you are not a hedge fund. You are a 26-year-old with a lanyard collection and a Robinhood account that's down 34%. The Leash™ invests exclusively in diversified, low-cost index ETFs, because decades of data show they outperform whatever you were about to do.
Does FinDom judge my purchase history during onboarding?
Yes. Thoroughly. Dom reviews 24 months of transactions and produces an internal assessment. You'll receive a summary. Applicants describe reading it as "clarifying" and "the most seen I have ever felt, in a bad way." This is normal and part of the process.
Is this blackmail?
No. Blackmail requires a demand, and Dom® makes no demands; Dom makes plans. It is true that Dom knows everything, that the file is permanent, and that appeals are read aloud on Fridays. It is also true that nothing in the file has ever left the building, been mentioned at dinner, or come up again, except when you tried to raise your allowance, at which point March came up. The file is not leverage. The file is context. Leverage would require us to want something from you. We want things for you. There is a difference, and it is the entire company.
Can I cancel?
You may submit a Release Request at any time from the app's settings, under Account → Freedom → Are you sure? Requests enter a 90-day reflective review period, during which your portfolio continues to grow. Historically, 88% of applicants withdraw their Release Request before day 30. The portfolio does the arguing for us. Counsel advised that this answer be shortened. Request denied.
Your money deserves better than you.
There is no application. If you need to apply, you already have. You will be contacted if you need Dom's services.
No credit check. Extensive judgment.