# ArkFlow - Credit Card Wallet — Net worth, cards & due dates

> Digital wallet for credit cards, accounts, and net worth tracking. (iPhone/iPad app by 云飞 张.)

- Source: https://appshunter.io/ios/app/arkflow-credit-card-wallet/id6768145287 (this page in markdown: same URL + `.md`)
- Developer: [云飞 张](https://appshunter.io/developer/1896544332)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 26 MB
- Languages: German (Germany), Japanese, French (France), Chinese (Simplified, China), Chinese (Traditional, Taiwan), American English, Korean
- Released: 2026-06-13
- Data updated: 2026-08-27
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/arkflow-credit-card-wallet/id6768145287/reviews.md

## What is ArkFlow?

All your bank and credit cards, together in one beautiful digital wallet. Swipe real card faces—limits, expiry and due dates at a glance.
More than a wallet: every account is auto-totaled into a live net worth you read in a single screen.
Zero servers. Nothing uploaded. Your card data lives only on your device—encrypted and locked behind Face ID.

ArkFlow turns your bank cards, credit cards, accounts, and asset records into a smooth swipeable personal card wallet.

Add bank cards, credit cards, cash accounts, savings accounts, stock accounts, fund accounts, digital wallet accounts, liabilities, and receivables as visual cards. Swipe through them like flipping through a real wallet, review key details, and keep your financial life easier to understand.

ArkFlow is not a traditional expense tracker or a complicated finance dashboard. It is designed for people who do not want to record every transaction, but still want to understand their accounts, debts, assets, repayment dates, and real net worth.

What you can do with ArkFlow:

1. Build your personal asset card wallet
Organize cards, accounts, assets, liabilities, and receivables into one clear card-based view.

2. Swipe through account cards
Browse your financial cards with a smooth, tactile swiping experience. Card-based management feels lighter than spreadsheets or heavy dashboards.

3. Understand your real net worth
Manage cash, savings, credit cards, investments, digital accounts, debts, and receivables together, so you can see what you own, what you owe, and your real net position.

4. Manage credit cards and repayment reminders
Record statement dates, due dates, amount due, total debt, credit limits, fees, and notes. Reduce missed payments and confusion.

5. Import account information from screenshots
ArkFlow supports recognizing account names, account types, and amounts from selected screenshots to reduce manual entry.

6. View your asset structure
Use asset distribution, liability distribution, and account cards to understand where your money is held and where debts are concentrated.

7. Track financial freedom progress
Use freedom indicators and trend changes to make your financial state more visual and intuitive.

Who ArkFlow is for:

- People with multiple bank cards and credit cards
- People managing cash, savings, stocks, funds, digital wallets, and other accounts
- People who want to understand their real net worth
- People who want to reduce missed credit card repayments
- People who prefer a card-based way to organize personal finance information

Privacy:

ArkFlow manages your asset data with a local-first approach. Your financial information is controlled by you.

ArkFlow does not provide banking services, payment services, securities trading, investment advice, lending services, or financial advisory services. It is a tool for recording, organizing, and visualizing personal account and asset information.

ArkFlow is more like a private asset card wallet for your financial life.

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ArkFlow Pro Subscription Information

• ArkFlow Pro offers monthly subscription, yearly subscription, and one-time lifetime unlock options.


The prices above are for the China storefront only. Product names, durations, and prices in other regions are subject to the in-app purchase page and Apple’s purchase confirmation interface.

• Subscriptions are auto-renewable. If you do not cancel at least 24 hours before the end of the current subscription period, Apple will automatically renew and charge your Apple ID.
• Renewal charges will be made within 24 hours before the end of the current subscription period.
• You can manage or cancel your subscription anytime in Settings → Apple ID → Subscriptions.

Privacy Policy: https://arklab.top/privacy.html
Terms of Use (EULA): https://arklab.top/index.html

## Key features

- Digital card wallet
- Net worth tracking
- Credit card management
- Repayment reminders
- Screenshot import
- Asset structure view

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 年度会员早鸟 | $9.99 | per year |
| 月度会员早鸟 | $1.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Pro永久会员早鸟 | $14.99 | one-time |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/arkflow-credit-card-wallet/id6768145287/reviews.md

### 5/5 — 集卡兼记账党的福利

*2026-07-22*

想法很好的一款软件，希望越来越好。

### 5/5 — 实现对卡面的自定义浏览

*2026-07-16*

可以展示出多张卡面的漂亮图案，包括真实录入和自定义卡面，对于多卡用户来说真实太友好了。还可以实现沉浸式浏览卡面。👍👍👍

### 5/5 — 一键自动更新信息也太方便了

*2026-06-14*

完全数据存储本地的资产管理软件，比云闪付更干净、自由度更高，可以补充全部资产和负债信息。更新起来超方便，设一个快捷键，一键更新所有，希望后续可以探索下流水怎么快速记录和导入，更全面。

**Developer response:** 你也太有眼光了，还有审美，什么神仙用户！！！

## Frequently asked questions about ArkFlow

### What is ArkFlow?

ArkFlow is a personal asset card wallet designed to organize your bank cards, credit cards, accounts, and asset records. It provides a visual, swipeable interface to view key financial details and track your net worth.

### How does ArkFlow handle my financial data?

ArkFlow uses a local-first approach, meaning your card data lives only on your device, encrypted and locked behind Face ID. Nothing is uploaded to servers, ensuring your financial information is controlled by you.

### Can ArkFlow import account information?

Yes, ArkFlow supports recognizing account names, types, and amounts from selected screenshots to reduce manual data entry. This feature helps in quickly building your personal asset card wallet.

### Does ArkFlow help with credit card payments?

ArkFlow allows you to record statement dates, due dates, amounts due, total debt, and credit limits for your credit cards. This helps in managing repayments and reducing missed payments.

### What are the subscription plans for ArkFlow?

ArkFlow offers a monthly membership for $1.99 and an annual membership for $9.99, both with early bird pricing. These plans likely unlock additional features or remove limitations.

### Is ArkFlow suitable for detailed expense tracking?

ArkFlow is not designed as a traditional expense tracker. It focuses on organizing accounts, debts, assets, repayment dates, and net worth rather than recording every transaction.

### What devices does ArkFlow support?

Currently, ArkFlow is available on iPhone. It is designed to provide a smooth, tactile swiping experience on supported mobile devices.

### How often is ArkFlow updated?

The latest version of ArkFlow is 1.4.0, and it was last updated on June 30, 2026. This indicates a relatively recent update, suggesting ongoing development and maintenance.

## Version history (last 5 releases)

### 1.7.5 — 2026-08-19

All your bank and credit cards, together in one beautiful digital wallet. Swipe real card faces—limits, expiry and due dates at a glance.

### 1.7.4 — 2026-08-09

All your bank and credit cards, together in one beautiful digital wallet. Swipe real card faces—limits, expiry and due dates at a glance.
More than a wallet: every account is auto-totaled into a live net worth you read in a single screen.
Zero servers. Nothing uploaded. Your card data lives only on your device—encrypted and locked behind Face ID.

### 1.7.3 — 2026-07-30

More than a wallet: every account is auto-totaled into a live net worth you read in a single screen.
Zero servers. Nothing uploaded. Your card data lives only on your device—encrypted and locked behind Face ID.

### 1.7.2 — 2026-07-26

Added bank card and card face scanning: Automatically scan and recognize bank card details, with local saving and synchronization support.

New Card Face Library: Support selecting from your saved card faces.

Quick Position Editing: Easily modify holdings quantity on the fly.

Performance Improvements & Bug Fixes.

### 1.7.1 — 2026-07-22

All your bank and credit cards, together in one beautiful digital wallet. Swipe real card faces—limits, expiry and due dates at a glance.
More than a wallet: every account is auto-totaled into a live net worth you read in a single screen.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*