Maximize yourcredit cards
Onalys Wallet auto-routes your purchases to your highest-reward card every time you pay. Never think about which card to use again
Example payment match
Finding the strongest grocery card
How It Works
No clutter. No confusion. Just everything you need to master your daily spending in one secure place.
Link your cards
Bring your personal and business cards together in one secure app
Pick your coach
Choose your coaching style and savings goals. We’ll manage the rest
Pay normally
Pay as you always do. Onalys automatically selects the best card every time.
What Wallet helps with.
Simple tools for routing eligible payments, managing credit usage, coaching spending, growing savings, switching subscriptions, and keeping personal and business cards clear.
Auto-route eligible payments
Onalys checks the merchant, category, card rules, and credit usage before choosing a card.
Personal spending coach
Choose calm, direct, strict, or soft-roast coaches, turn it on or off, pause it anytime, and control the merchants or categories it applies to.
Control credit usage
Avoid pushing one card too close to its limit when another card is better.
Grow rules
Create round-up, save, invest, or goal rules so better habits happen in the background.
Separate personal and business cards
Stop wondering whether a purchase belongs on your personal card or business card.
Switch subscriptions
Move supported subscriptions to the better card when you turn the feature on.
Wallet stays focused on daily card choice and money habits. Deeper company and records workflows belong in other Onalys products.
Why Onalys is different.
Old finance apps just track your money after it’s already gone. We built a wallet that makes the right choice for you before you pay.
Real scenarios Onalys handles.
From checkout to spending coaching to save and invest rules, Onalys automates the work around your money movement.
Everyday checkout
Without Onalys
You guess which card to use, use debit by habit, or miss rewards on groceries, dining, gas, travel, and online orders.
With Onalys
Onalys chooses an eligible card at checkout and checks credit usage before execution.
Subscriptions
Without Onalys
Subscriptions keep charging whatever card you added years ago.
With Onalys
Onalys can suggest and run supported subscription switches when you enable the feature.
Spending coach
Without Onalys
Budgets are easy to ignore, impulse stores feel invisible, and saving only happens after you remember to do it manually.
With Onalys
Onalys applies your merchant and category rules, uses the coach tone you choose, and lets you pause strict mode anytime.
Credit usage
Without Onalys
One card gets overused while another card would have kept utilization lower.
With Onalys
Onalys checks credit usage before choosing a card so one account is not pushed too far.
Personal vs business cards
Without Onalys
You keep second-guessing whether a purchase belongs on a personal card or a business card.
With Onalys
Onalys uses your rules to keep card choice clear before you pay.
Save and invest rules
Without Onalys
Saving depends on whatever is left over, so small opportunities disappear into everyday spending.
With Onalys
Onalys can apply round-up, save, or invest rules when you enable them.
Example annual value from better everyday decisions
Built around the tools you already use.
Connect supported card and finance accounts, use phone checkout when enabled, and switch supported subscriptions without turning Wallet into an admin tool.
Bring your own phone
Use phone-first checkout flows when enabled.
Banks, cards, and fintech
Use the cards and finance apps you already have.
Specific card, subscription, and checkout capabilities depend on available APIs, permissions, data quality, consent, and enabled provider connections.
Questions people ask first.
Clear answers for cards, checkout, subscriptions, coaching, rules, and privacy.
Onalys Wallet is an app for the cards you already use. Add your cards, set your rules, and Onalys helps choose the eligible card when you pay.
Corporate Status — Confirmed
Federal Incorporation · Corporations Canada
Business Number (CRA)
Federal corporation registered with Corporations Canada
Cap Table
Managed on Mantle — 100% founder-owned, pre-seed
Intellectual Property
Codebase audited — GPL-free, zero leaked keys, clean IP
Onalys is federally incorporated under the Canada Business Corporations Act (CBCA). The Business Number has been issued by the CRA, the cap table is professionally managed on Mantle, and the codebase has passed a full IP audit — ready for the Apple Developer Organization account and seed investors.
Get access or talk to us.
Request access for launch, ask about business use, or send us the payment workflow you want Onalys to handle.