Why a « cold » budget
Before the numbers, an idea. Understand why Ozorys protects your money the way one protects a treasure: cold, out of reach, under your sole control.
The illusion of the bank balance
The figure your bank shows is misleading: it ignores your upcoming bills, your rent, your subscriptions. It tells you what you have, never what you can truly spend.
The result: you spend thinking you have room, then the direct debit hits and you're overdrawn. Ozorys replaces this illusion with a single honest number, which you'll discover in the next module.
The « cold storage » principle
In the crypto world, the most precious assets are kept in « cold storage »: disconnected from the Internet, beyond the reach of hackers. Ozorys applies this exact principle to your budget.
Your financial data lives encrypted on your phone, never in clear text on a server. That's the difference between an exposed « hot budget » and a sheltered « cold budget ».
Zero-Knowledge & Offline-First
- Zero-Knowledge: Ozorys encrypts everything with your code (AES-256-GCM). No one — not even us — can read your ledger.
- Offline-First: the app works without Internet. You depend on no server to view your money.
- No bank: no aggregator, no access to your real accounts. You enter what you want to track, period.
Module quiz
Test your knowledge
Spot your illusion
Open your banking app and note the displayed balance. Then mentally list everything still to be debited this month (rent, subscriptions, bills). The gap between the two is exactly what Ozorys will make visible.