Zero-Knowledge
Privacy starts with architecture: financial data is decrypted on your device and stored encrypted. Your keys unlock the meaning of your transactions.
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Dashboard in an authorised demo session: a readable view on the device.
Real screens from the public demo. These views illustrate the product; Free availability and quotas are summarised at the bottom of this page.
Security and data management
Even the Ratio team cannot read encrypted financial content from the database without your keys. Amounts, descriptions and categories are protected on your device before saving.
Follow a transaction from the document to your dashboard.
The transaction is readable here.
The browser processes the file and shows a preview in your session.
Before saving, I encrypt it.
Financial content becomes an AES-256-GCM encrypted block on your device.
I see an encrypted block.
The database saves encrypted content. Database access alone does not reveal what it says.
In my session, it is readable again.
An authorised device retrieves the block and decrypts it for search, charts and transactions.
The comic illustrates the path of encrypted transaction content. Accounts, transaction dates and other operational metadata have a separate treatment, explained below.
Reading a database row does not reconstruct the amount, description, merchant or category inside the encrypted block. The Ratio team also needs decryption keys to make that content readable: administrative database access does not replace them.
The financial key is not stored in plaintext in the database. Materials needed to restore it are protected in encrypted form; an authorised session uses them to work with data on the device.
Zero-Knowledge covers encrypted financial content, rather than every database field. Ratio handles account data such as email and subscription, workspace membership, transaction dates, identifiers and sync versions.
This metadata enables authentication, authorisation and history replication. It can reveal structural information, such as a transaction’s existence and date. Hash indexes support operation without storing descriptions in plaintext.
Use a strong password and keep your recovery code somewhere safe. The code is part of recovering key access: support cannot reconstruct encrypted content from the database alone.
An unlocked session contains readable data on the device. Machine and access security matter alongside encryption of stored history. Local AI devices are authorised separately and can be revoked.
Ratio synchronises the encrypted replica and builds readable views on your device. Free retains encrypted history without a time limit; search and statistics focus on the most recent 18 months.
An authorised MCP server can decrypt data locally for your model. With a local model, analysis stays in the environment you configure. If you choose an external AI provider, it also processes the data you send. Database encryption does not replace this choice.
In practice
Dashboard and transactions are readable in your authorised session. Server-side history stores financial data encrypted.
Statement reading and rule processing happen in the browser. An authorised session decrypts transactions to build searches, charts and financial views.
Amounts, descriptions and financial categories are part of encrypted content. The server also stores operational metadata needed for accounts, workspaces and synchronisation.
Your password and recovery code are part of your path to data access. Keep the recovery code somewhere safe: it matters for regaining access to encrypted history.
Encryption protects stored financial data. An unlocked session makes it readable on your device, where you can view and work with it.
Bank Connector and the MCP server are local programs authorised by you. For Local AI, a paired device receives access to keys through the pairing flow.
You can choose a local model. If you connect an external AI provider, data supplied to the model is also processed by that provider: your model choice determines where analysis happens.
Your next step
Unlock the session with your credentials.
Read decrypted data on your device.
Save financial data encrypted.
Ratio Free
Import your statements or link up to two accounts through your local Bank Connector, then see where your money goes.
Start for freeYour encrypted history stays stored without a time limit, while Free search and statistics focus on the latest 18 months.
