Fourth Meridian brings your accounts, spending, debt and investments into one connected picture—with AI conversations grounded in your own financial data.
Net worth, assets and liabilities in one place, with the history behind them. Pick a period—the last 90 days, the year so far, the last twelve months—and every change and chart on the page follows it.
Product UI · demo data
Fourth Meridian · Philosophy
Financial information should become something you can use.
Fourth Meridian is AI-powered financial understanding, built to help people and families see their money in context and think through decisions with the whole picture in view. The decisions stay theirs.
The name is inspired by the Fourth Meridian—the Spleen Meridian—in Traditional Chinese Medicine. The Spleen transforms nourishment into usable energy and distributes it throughout the body.
Likewise, Fourth Meridian transforms fragmented financial data into one understanding you can reason from—and refreshes it as your accounts update.
01Fragmented data
↓
02Understanding
↓
03Your decision
Understand more. Decide for yourself.
How Fourth Meridian works
One view of the full shape of your financial life.
Not another budgeting app. Fourth Meridian connects the parts of your finances that usually live apart—bank, card, loan and investment accounts through Plaid, self-custody crypto wallets you add by public address (watch-only: nothing can be moved), and real assets like a home that you value yourself—and keeps their context together, refreshed on a regular cadence.
Product UI · demo data
Cash Flow
See money move, day by day.
Cash in and cash out across your bank accounts, a calendar that shades each day by what moved, and spending by category. In Spending, a card purchase counts once—when you buy it—never again when you pay the card.
Product UI · demo data
The Daily Brief
A clearer reading of where you stand—and what changed.
Connected accounts, holdings, debts and transactions become one financial context. Each day the Brief reads it for you and says, in plain language, what moved and what may deserve attention. The figures are computed by Fourth Meridian; the words describe them.
Example · Daily Brief
Liquidity is higher for a reason.
Near-term obligations account for most of the change. Your longer-horizon position remains consistent.
Cash flowObligationsInvestments
Spaces
Organize money around meaning.
Spaces reflect the real structures in your life. Each brings the right people, accounts, history, and decisions into focus—without losing the whole.
01
Personal
Your complete financial position, organized around the life you live. Everyone starts here.
02
Family
A shared Space for the accounts, decisions and plans you hold together, with the people you choose.
03
Custom
A Space you shape yourself — its own accounts, its own view, still part of the whole.
Conversations
Answers grounded in your financial reality.
Not generic answers. Conversations in Fourth Meridian work from your own numbers—what you own, owe, earn and spend—and show the figures behind each answer. They explain and model; you decide. Fourth Meridian never moves money or acts on your accounts.
Understand the full picture, on any date
Explain what changed, and why
Model what-ifs: spending, income, contributions, debt payoff, a goal by a date
Say plainly what it does not know
Product UI · demo data
An example conversation over the demo household. In the app, answers are written by the AI from your own figures, and wording varies.
About Fourth Meridian
Built for a longer horizon.
Fourth Meridian exists because financial lives are complex, connected, and always changing—while the tools built to understand them remain fragmented.
We are building it to grow with a person or a family over years, not sessions: one record of where you stand that stays honest as your accounts, goals and circumstances change.
The direction is a private, contextual layer for financial understanding—designed to make complexity useful. Today that means connected accounts, a Daily Brief, Conversations and Spaces, in a closed beta.
Fourth Meridian
See your financial life as one connected picture.
Fourth Meridian is in closed beta. Request access and we will review it by hand.
