# Liminal Finance — Become liminal, be limitless

> AI-powered financial app for saving, investing, and cross-border payments. (iPhone/iPad app by LIMINAL FINANCE LTD.)

- Source: https://appshunter.io/ios/app/liminal-finance/id6755439373 (this page in markdown: same URL + `.md`)
- Developer: [LIMINAL FINANCE LTD](https://appshunter.io/developer/1853910791)
- Category: Utilities
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 17+
- Requires: iOS 15.1 · 81 MB
- Languages: American English
- Released: 2026-03-09
- Data updated: 2026-08-15
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/liminal-finance/id6755439373/reviews.md

## What is Liminal Finance?

TALK TO YOUR MONEY

What should I do with my salary? Ask Nim.

Most financial apps track your money. Nim helps you decide what to do with it: how much to save, what to invest in, how to reach your goals. And when you're ready, Nim does it for you. It moves money, buys stocks, sends payments.

MAKE YOUR MONEY WORK HARDER

Earn 5-10% on USD savings with no lock-ins or minimum balances. Invest in US stocks from the same app.

MOVE MONEY WITHOUT BORDERS

Send money instantly to other Liminal users. Split tabs, share expenses, request repayments, set up recurring transfers. Send internationally with low fees, top up from your bank, and withdraw back anytime.

EVERYTHING IN ONE PLACE

- Nim, your AI money manager
- 5-10% interest on savings
- US stock investing
- Low-fee international transfers
- Shared tabs and split bills
- Recurring transfers and payment requests
- Self-custodial wallet security

BUILT FOR TRUST

Your funds sit in your own self-custodial Safe smart wallet, secured by keys managed with Privy. We never hold your money. Safe's independently audited contracts secure billions of dollars for individuals and institutions worldwide.

Every user verifies their identity through Persona, and banking and stablecoin services are provided by licensed, regulated partners.

Questions? team@liminal.cash

## Key features

- AI financial agent for money management
- Earn 5%+ yield on idle balance
- Invest in US stocks
- Cross-border money transfers
- Split group expenses
- Link bank accounts
- USDC-backed balance


## Frequently asked questions about Liminal Finance

### What is Liminal Finance?

Liminal Finance is a financial app that uses an AI agent named Nim to help users save, invest, send money, and analyze spending. It's designed for individuals who manage money across borders.

### How does Liminal Finance earn money?

Liminal Finance is currently free to download and use. The app does not contain advertisements or in-app purchases, and its primary monetization strategy is not detailed in the provided information.

### What are the security features of Liminal Finance?

Liminal Finance employs biometric login, encrypted storage, and KYC (Know Your Customer) procedures to secure user accounts. The app's balance is backed by USDC, held in audited smart contracts.

### Can I invest with Liminal Finance?

Yes, Liminal Finance allows users to buy and hold US stocks directly within the app, alongside their cash balances. This feature enables integrated investment management.

### How often is Liminal Finance updated?

The latest version of Liminal Finance is 1.3.6, released on May 15, 2026. This indicates a recent update, suggesting the app is actively maintained and developed.

### What devices support Liminal Finance?

Liminal Finance is available for iPhone and iPod devices. It is designed for iOS users who want to manage their finances on the go.

### What is the age rating for Liminal Finance?

Liminal Finance has an age rating of 17+, indicating it is intended for mature users due to the nature of financial management and investment features.

### How does Liminal Finance handle international payments?

Liminal Finance facilitates international payments by allowing transfers to anyone on the platform in seconds, without FX games. It also supports scheduled recurring transfers and PIX settlement for Brazil.

## Version history (last 5 releases)

### 2.2.0 — 2026-08-11

# Liminal v2.2.0 — Release Notes

The two things we teased last time are here. Investing and connected banks are live for everyone. Nim also gets a proper approval screen for anything that moves money, and we dropped our fee on bank withdrawals.

## What's New

- Investing is live. Buy and sell stocks and crypto without leaving Liminal. Search hundreds of US stocks, watch live prices and charts, and track it all from the Invest tab.
- Connected banks. Link a bank account and see its balance and transactions alongside your Liminal money. You can connect straight from the Payments tab.
- When you ask Nim to move money, you now approve it first on a redesigned screen: the amount up front, who it's going to, and a slide to confirm. Nothing moves until you slide.
- We dropped our fee on bank withdrawals to the US, UK, Europe, Mexico and Colombia.
- Nim can now see your notifications, so you can ask it about that alert you just got.
- The QR code on your profile is drawn in the Liminal style — rounded, with our mark in the middle — and scans just as reliably as before.

## Bug Fixes

- A tiny savings remainder could show as an extra cent you couldn't withdraw. Balances now round down and costs round up, so what you see is never more than you hold or less than you'll pay.
- A failed stock buy looked exactly like one that went through. It now shows as failed in your activity.
- Editing your phone number could staple the wrong country code onto it. The country picker no longer changes on its own.
- The big digits you type on the amount screen were clipped at the top and bottom on some phones.
- The animated balance could drop its last digit while counting up.
- On Android, a bar above the keyboard could land in the middle of the sign-up form and close the keyboard when you tapped a field. It's gone.
- Your avatar is now the same colour in the app and on the web.

## Coming Soon

- LIL rewards. Earn LIL as you use Liminal and redeem it for rewards.
- Richer Nim answers. Portfolios, stock details and charts drawn right in the chat.

### 2.1.3 — 2026-07-24

Liminal v2.1.3  - Release Notes

A correctness release. We went through the money maths, the sign-in session and every control that could latch itself dead, and fixed what we found.

What's New

- Send money to another Liminal user without verifying your identity first. Verification is still needed to deposit or withdraw.
- Forms now say which field is wrong and why, instead of just greying out Continue.
- More feedback across the app: tab-bar taps, sheet transitions and screen changes all respond properly.

Bug Fixes

- Amounts no longer lose a penny to rounding. This touched balances, Max buttons and the insufficient-balance checks.
- Scheduled payments can be set to "every 2 weeks".
- Identity verification no longer rejects you on your 18th birthday.
- Slide to confirm now springs back when a payment is rejected or you cancel Face ID, instead of freezing at the far end.
- A fresh install could reach a welcome screen that ignored every tap.
- Onboarding could get stuck on the finishing spinner.
- Opening and closing a sheet quickly no longer leaves the button behind it dead.
- Payments made with no connection now fail straight away, rather than quietly going out minutes later.
- A currency conversion that timed out can no longer go through.
- Fixed sign-outs and an expired session now asks you to sign in again.
- Confirm is now blocked when your balance cannot cover the transfer.
- Removed minimum-fee wording for fees we never charged.
- Deposit and withdraw are reachable again after tapping "Try again" on the terms screen.
- Notifications keep loading older items after a failed page.
- The keyboard now dismisses reliably, including on number pads.
- The amount stays centred as you type.
- Pix in Brazil now opens faster to the right.
- Animations follow your device's reduced-motion setting.

## Coming Very Soon

- Investing. Buy and track stocks and crypto without leaving Liminal.
- Connected banks. Link an account and see its balance and transactions alongside Liminal.

### 2.1.2 — 2026-07-24

Liminal v2.1.2  - Release Notes

A correctness release. We went through the money maths, the sign-in session and every control that could latch itself dead, and fixed what we found.

What's New

- Send money to another Liminal user without verifying your identity first. Verification is still needed to deposit or withdraw.
- Forms now say which field is wrong and why, instead of just greying out Continue.
- More feedback across the app: tab-bar taps, sheet transitions and screen changes all respond properly.

Bug Fixes

- Amounts no longer lose a penny to rounding. This touched balances, Max buttons and the insufficient-balance checks.
- Scheduled payments can be set to "every 2 weeks".
- Identity verification no longer rejects you on your 18th birthday.
- Slide to confirm now springs back when a payment is rejected or you cancel Face ID, instead of freezing at the far end.
- A fresh install could reach a welcome screen that ignored every tap.
- Onboarding could get stuck on the finishing spinner.
- Opening and closing a sheet quickly no longer leaves the button behind it dead.
- Payments made with no connection now fail straight away, rather than quietly going out minutes later.
- A currency conversion that timed out can no longer go through.
- Fixed sign-outs and an expired session now asks you to sign in again.
- Confirm is now blocked when your balance cannot cover the transfer.
- Removed minimum-fee wording for fees we never charged.
- Deposit and withdraw are reachable again after tapping "Try again" on the terms screen.
- Notifications keep loading older items after a failed page.
- The keyboard now dismisses reliably, including on number pads.
- The amount stays centred as you type.
- Pix in Brazil now opens faster to the right.
- Animations follow your device's reduced-motion setting.

## Coming Very Soon

- Investing. Buy and track stocks and crypto without leaving Liminal.
- Connected banks. Link an account and see its balance and transactions alongside Liminal.

### 2.1.1 — 2026-07-20

# Liminal v2.1.1 — Release Notes

A performance and polish release. The app is smaller and starts faster, lists and charts move more smoothly, and Nim chat is easier to talk to.


What's New

- Nim keeps the input editable while it's replying, so you can line up your next question.
- Nim opens with starter suggestions, and marks replies you haven't seen yet.
- Tell Nim why an answer missed, with one-tap reasons on "Was this helpful?".
- Onboarding now animates as you move between steps.


Bug Fixes

- Depositing into Liminal is free. We removed fee wording for charges we never applied — the provider's exchange rate still includes a spread.
- The app is smaller and starts faster.
- Balances, charts, transaction lists and Nim chat all scroll and animate more smoothly.
- Transaction rows no longer show the same label twice.
- Tap or drag to dismiss the keyboard on money-entry screens.
- Loading states are consistent across the app.
- Text now follows your device's text-size setting.
- Find Friends can ask for full contact access when you've only shared some contacts.
- Going back now lands on the right screen.
- Identity verification no longer fails for some new users.
- Fixed a crash on screens showing certain text.


Coming Soon

- Investing. Buy and track stocks and crypto without leaving Liminal.

### 2.1.0 — 2026-07-01

# Liminal v2.1.0 — Release Notes

This release builds on the Nim launch with home-screen and lock-screen widgets, account statements for everyone, and a wave of polish and fixes.

## What's New

- Nim widgets for your home screen, plus quick Nim actions on the lock screen.
- Download your account statement as a PDF — now available to everyone.
- Tap a result inside a Nim answer to jump straight to that screen.
- Paste images directly into Nim chat.
- Rate Nim's answers with "Was this helpful?".

## Bug Fixes

- Account statements now show the holder's address, with clearer styling.
- Error messages are friendlier and no longer expose technical details.
- Button labels are properly centred on iOS.
- Added a subtle haptic when you slide to confirm.
- KYC dropdowns now select the first option automatically where it makes sense.
- Business recipients now require a name, so transfers don't fail later.
- Data loads faster and stays fresher across the app.

## Coming Soon

- Investing. Buy and track stocks without leaving Liminal.

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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 2026-08-15.*