HOLDR vs Ascend

HOLDR - your pocket vault for the cards, logins, IDs and notes you carry every day. One passcode. One Face ID tap. Everything you need, encrypted on your iPhone. No accounts. No cloud. No tracking. Stop juggling plastic, sticky notes and forgotten passwords. Holdr puts every card in your wallet, every login you re-use, every document you're afraid to lose, and every secret you scribble - into one private home on your phone. WALLET — CARDS THAT LIVE IN YOUR PHONE - Scan a credit or debit card with the camera - number, expiry and CVV captured on-device - Bank accounts with IBAN, SWIFT/BIC and routing numbers - Loyalty cards in 12 barcode formats: QR, Code128, Code39, EAN-13, EAN-8, UPC-E, PDF417, Aztec, Data Matrix, Codabar, ITF-14 - Show the barcode at full brightness - scans at any checkout - Gift cards, membership cards, transit passes, club cards — anything with a code - Wallet-style stacked deck, 10 colour palettes, custom card art - Pin favourites, add custom fields, set expiry reminders LOGINS, 2FA & DEVELOPER KEYS - Password vault with website, username, notes and custom fields - Built-in generator: length, character classes, ambiguous-character avoidance, live strength meter - TOTP / 2FA codes - scan an otpauth QR or paste a secret, watch live 6–8 digit codes refresh (SHA-1/256/512) - API credential storage for tokens, SSH keys, database URLs - Software licence keys with seat counts, vendor, purchase and expiry dates - iOS AutoFill — one tap to fill logins in Safari and any app, gated by Face ID IDs & DOCUMENTS - Passport, national ID, driver's licence, residence permit and custom document types - Capture from camera or import from Photos - Holder name, nationality, dates, document number, gender - fully indexed - Emergency medical card: blood type, allergies, conditions, medications, organ-donor status, emergency contacts, insurance - Encrypted file vault for any PDF, scan or image, organised in nested folders with custom icons - Auto-thumbnails, fast preview, favourites NOTES & CHECKLISTS - Plain notes or interactive checklists with reorder and check-off - Hidden field type for recovery codes, seed phrases and one-off secrets - Colour palettes, favourites, custom fields on every note PRIVACY-FIRST SECURITY - 6-digit passcode + Face ID / Touch ID / Optic ID - AES-GCM encryption for every file at rest - Master key sealed in iOS Keychain, complete file protection - Decoy passcode - a second, fully separate vault with its own data; perfect for travel, borders or pressure - 100% offline. No account to create. No server to breach. Your data never leaves your iPhone. WIDGETS & LOCK SCREEN - Bank-card widget - small, medium, lock screen and circular sizes; show last 4 or full number - Loyalty-barcode widget - small, medium, large and lock screen; full-brightness scan view on tap - Choose exactly which card each widget shows REMINDERS - Local notifications 30, 7 and 1 day before any card or document expires - Off by default, scheduled on-device, never sent to a server WHY HOLDR - Real wallet — not a sync service - No subscription to read your own data - No web vault to hack - Just your iPhone, your face, and your stuff PRIVACY Holdr stores every byte locally with hardware-backed encryption. We run no servers, see no data, run no analytics. Your vault is yours alone. Privacy Policy: https://docs.google.com/document/d/1cVQrx8v79Ml0P7QyRlvUmRC3l4oupBZNWcFYJl6g-O8/edit?usp=sharing Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Mail: apolinaria0306@gmail.com Support: https://docs.google.com/forms/d/1MZ0PDBEU4nXPi2uDoVXGmTtaqcM17yGpTmImvy0Ei6M/edit

Track net worth across brokerages, manual accounts, your home, and self-custodied crypto — read-only, in one number. Ask an AI that can see your actual holdings. Track manual bank and retirement balances, real estate, and self-custodied crypto for free. Pro adds automatic read-only brokerage sync. Manually entered balances need to be updated by you. Ascend shows how your net worth has grown and what is driving it. ONE CLEAR PICTURE OF YOUR NET WORTH • Your accounts in one place — investments, cash, 401(k)/IRA, home value, and on-chain crypto • Your net worth over time, not just a snapshot • Allocation and holdings across your accounts, combined SEE HOW YOU'RE REALLY DOING • A basic retirement projection built on your real numbers, available for free • Pro: your returns measured against the S&P 500 • Pro: weekly rundown of what moved and why AN AI COPILOT THAT KNOWS YOUR PORTFOLIO • Ask plain-English questions about your money and get answers grounded in your actual holdings • Free includes 15 Ask Ascend messages each month • Pro adds unlimited AI chat with a stronger model • Pro stock research is capped at 30 generations per month; upcoming events and research teasers are available for free PRIVATE AND READ-ONLY, BY DESIGN • Ascend is read-only — it can never move money, trade, or make transfers • It never sees your brokerage password; read-only linking is handled by SnapTrade • Your linked credentials are encrypted at rest with a key separate from the database • Request account deletion from Settings — Ascend immediately locks the account, then revokes supported connections and erases user-scoped app data. If a provider is temporarily unavailable, deletion stays pending for automatic retry. An active App Store subscription does not block deletion, but Apple billing must be managed separately. Ascend is a personal-finance tracker, not a financial advisor, and does not provide investment advice. Membership: Free includes manual accounts, crypto wallets, net-worth history, basic planning, and 15 Ask Ascend messages per month. Pro adds automatic brokerage sync, unlimited AI chat with a stronger model, weekly reports, returns-vs-market, and advanced planning. Monthly and annual Pro subscriptions unlock the same features and renew automatically. Payment is charged to your Apple ID; it renews automatically unless canceled at least 24 hours before the period ends, and you can manage or cancel in your App Store settings. Prices shown in-app. Terms: https://app.ascendwealth.app/terms.html Privacy: https://app.ascendwealth.app/privacy.html