01See
What’s happening, in plain terms. “Your spending is higher than usual this month.”
TaraSee where you stand.
See where you stand.
Decide what comes next.
Tara is the AI guide inside Vault22. She works from your own accounts and goals to
explain what’s happening and show you what’s possible, so every decision stays yours.
Built for your moneyA general chatbot only knows what
A general chatbot only knows what
you paste into it.
You could copy your bank statements into a general AI tool and hope for a useful
answer. Tara starts from your connected financial picture, keeps up as your accounts
update, and keeps your information inside Vault22.
What it knows
How current
Context
Your data
General AI chatbot
What it knowsWhatever you copy in
How currentA one-off snapshot
ContextStarts from scratch each time
Your dataShared with a general-purpose platform, under its terms
Tara
What it knowsYour connected accounts, budgets and goals
How currentUpdates as your accounts sync
ContextBuilds on the goals you've set
Your dataStays within Vault22, encrypted and regulated
From question to next stepClarity first. Then your options.
Clarity first. Then your options.
Then your call.
0102Understand
Why it matters to you. “At this rate you’ll have about R2,000 less at month end.”
03Choose
Your real options. “Trim flexible spending, save less this month, or leave it.”
04Move
One clear next step. “Want to see where cutting R1,000 hurts least?”
Ask in your own wordsWhatever’s on your mind about
Whatever’s on your mind about
money.
Spending
Where did my money go this month?
Which subscriptions am I not using?
Budget
Am I on track for this month?
Where can I free up R1,500?
Debt
Which debt is costing me the most?
What if I pay this card off first?
Goals
How long until I reach my deposit?
What would a sabbatical take?
Before you have to askKnow when something may
Know when something may
need your attention.
Tara keeps an eye on your budget and spending and flags what’s
worth a look: a category running over, a subscription you’ve
stopped using, or money you could move towards a goal. You
decide what changes, if anything.
Weigh it up togetherSee the trade-offs before
See the trade-offs before
you decide.
Bigger decisions deserve more than a yes or no. Tara lays out
what each option means for the rest of your money, then hands
the choice back to you.
A guide, not a lectureStraight answers, without the
Straight answers, without the
judgement.
Plain language
No jargon, no wall of numbers.
“You spent about 18% more on flexible expenses this month. Dining out is most of it.”
Options, not orders
Real choices, including leaving things as they are.
“You can afford this. The question is what you want it to take priority over.”
Honest when unsure
She’ll say when she can’t answer confidently.
“Based on what I can see so far, here’s a rough picture.”
Knows when to step back
No noise for the sake of it.
“Nothing here needs your attention right now.”
Secure by designYour financial life stays where it
Your financial life stays where it
belongs.
Tara works inside Vault22, so you never need to copy statements into another tool to
get a useful answer.
Encrypted end to end
Bank-grade 256-bit encryption, in transit and at rest.
No banking passwords stored
Secure connections to your bank, wherever they’re available.
Regulated
Vault22 is authorised and regulated by the DFSA.
Yours to delete
Delete your profile anytime, and your data goes with it.
Wherever you are in Vault22, Tara is
there.
Budget
Understand the month, payday to payday.
Explore budgetDebt
Compare your way forward.
Explore debtInvest
Concepts and fees, explained.
Explore investFamily Circle
Shared goals, shared view.
Explore familyTara questions, answered.
What Tara does, what she can see and how your data is handled.
Tara is the AI guide inside Vault22. She helps you understand your spending, budget, debt, investments and goals, and talks them through with you in plain language.
No. Tara gives general financial education, not specific investment advice.
No. Tara helps you understand your options. Every decision and every change is yours.
The accounts, budgets and goals you’ve connected or set up in Vault22.
No. Tara works inside Vault22’s secure, regulated environment, so you never need to paste your statements into a general-purpose AI tool.
Yes. Tara is available on every plan, including Free.
Ask your first questionStart a conversation about what comes
Start a conversation about what comes
next.
Connect your accounts and ask Tara anything about your money
General financial education, inside Vault22’s secure environment