Question 1

Is Free actually enough, or is it crippled to push upgrades?

Accepted Answer

Enough for most people. Context-aware judgment, multi-currency conversion, plain-English logging, Impulse Markup radar, and CSV export are free forever. You only need Pro if you want unlimited AI compute, higher-dimensional reports, or more tracking slots.

Question 2

How many currencies are supported? Is the FX real-time?

Accepted Answer

Yes, it's real-time. Pick your ledger currency from 150+ options, and log spending in 160+ currencies — Cipher auto-detects each one and converts to your base currency at real-time market rates, refreshed automatically, no manual input. No bank linking. Every foreign transaction keeps both the original and converted amount, formatted correctly per currency (no fake decimals on ¥ or ₫). If a rate ever fails to load, the entry is flagged as pending instead of being mis-logged.

Question 3

Can Matrix Ledger stop me from buying something?

Accepted Answer

No — and we won't try to block your card. Speak a purchase (or a planned one) into the app, read Cipher's verdict in the pending preview, and discard before saving if you talk yourself out of it. That's accountability feedback — combining local prices and spend context for a verdict.

Question 4

Is my data safe? Where is it stored?

Accepted Answer

Your data lives in your account. We store your profile, settings, and the bills you create. Voice or text you submit is used only to extract amount, category, and a spending verdict — nothing else. Export to CSV anytime. Data sovereignty stays with you, full stop.

Question 5

Can I cancel or refund if Pro isn't for me?

Accepted Answer

Yes. Subscriptions are processed securely by Creem as Merchant of Record — we never touch your full card number. Cancel anytime; cancellation stops the next cycle but Pro stays active until the current paid period ends. First-time Pro payments are eligible for a 14-day refund window through support; approved refunds return via Creem's official process.

Question 6

Does Matrix Ledger give investing or financial advice?

Accepted Answer

No. It's a spending log with a sharp verdict, not a financial advisor. It calls out impulse markups. Asset allocation and investment calls are yours.

Question 7

Why no bank sync / Plaid integration?

Accepted Answer

Because a meaningless pie chart at month-end doesn't change behavior. Matrix Ledger is instant feedback when you speak a spend — one sharp verdict, appeal if you disagree, discard if you change your mind. Expense tracking is a fight against consumerism, not a data-piping exercise.

Question 8

Why expenses only, no income?

Accepted Answer

Focus. This is a spending feedback and defense system, not a full-blown finance app. We put all compute into catching impulse spending and hidden auto-charges — defend your outflow first, with less sensitive financial data exposed.

Go beyond tracking.Start spending with clarity.