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YoFi Knowledge Base · 26 Answers
[ TRANSPARENT SOVEREIGN KNOWLEDGE BASE ]
Frequently Asked Questions
Everything you need to know about YoFi’s sovereign architecture, on-device data custody, multi-asset net worth tracking, and lifetime licensing.
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Email: elagzeren@gmail.com →YoFi is a sovereign financial command center and net worth tracker. It unifies your liquid cash, multi-currency savings, cryptocurrency holdings, equities/stocks, and creator revenues (Stripe, RevenueCat, Gumroad) into a single real-time dashboard powered by an offline-first encrypted architecture running directly on your smartphone.
YoFi is crafted specifically for modern sovereign earners who make, spend, and invest money across multiple platforms: solopreneurs, indie hackers, SaaS founders, freelance developers, content creators, and multi-asset investors who want holistic net worth clarity without surrendering their data custody to third-party cloud servers.
YoFi is available natively for Android on Google Play, with iOS currently in progress. Because of its lightweight local-first architecture, it runs ultra-fast on all modern smartphones with zero background battery drain.
Less than 60 seconds. You can download the app and start logging multi-currency accounts or scanning receipts immediately. There are no mandatory account registrations, KYC verifications, or credit card requirements to use the Free Starter edition.
Traditional finance apps sync your raw banking transactions and net worth records to remote cloud servers where they are analyzed, mined, or monetized for targeted financial advertisements. YoFi operates on a strict zero-cloud sovereign model: your entire financial database resides in an encrypted SQLite database stored exclusively on your physical phone.
Yes. YoFi integrates with your device’s native hardware security enclave, allowing you to lock the app behind biometric authentication (Fingerprint / Face Unlock) or your system passcode.
YoFi includes an on-device sanitization engine that automatically masks and redacts sensitive PII (customer names, raw bank account numbers, API secret keys) before writing entries to your ledger, ensuring safe exports and audits.
Yes. YoFi features a 1-tap "Hide Balances" toggle that blurs or masks all sensitive total net worth figures, asset values, and individual transaction amounts so you can safely log expenses in coffee shops or open workspaces.
You can create accounts denominated in any world currency (USD, EUR, GBP, JPY, TRY, CAD, etc.). YoFi pulls live foreign exchange rates and automatically calculates your unified liquid portfolio and net worth in your chosen primary base currency.
YoFi tracks 500+ cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), major stablecoins (USDT, USDC), Layer 1s, Layer 2s, and custom contract addresses with live price updates and historical valuation charts.
Yes. YoFi Pro supports equities, mutual funds, and ETFs across US, European, and global international markets, calculating your real-time total net worth growth and asset allocation percentage.
Yes. With YoFi Pro, you can create custom tangible assets (real estate properties, vehicles, luxury timepieces, precious metals, equipment) with custom valuations and depreciation tracking.
YoFi supports direct webhook and API ingestion from Stripe, RevenueCat, Gumroad, Lemon Squeezy, and digital stores, aggregating your disparate digital earnings into one unified cash flow ledger.
When managing digital stores, network retries and sandbox test transactions can clutter your analytics. YoFi automatically drops test charges and deduplicates repeated webhook events so your revenue metrics remain pristine.
The Runway Simulator analyzes your historical monthly cash inflows against recurring business overhead to calculate exactly how many months of operational runway your cash reserves provide under various growth scenarios.
YoFi utilizes on-device edge neural models that parse images of physical receipts and PDF invoices in approximately 0.4 seconds. It automatically extracts merchant name, date, subtotal, tax breakdown, and total price without uploading images to any third-party cloud.
YoFi recognizes common business expense categories (cloud hosting, SaaS subscriptions, hardware equipment, travel) and automatically flags them as tax-deductible, allowing you to export clean accountant-ready reports at tax time.
Rather than simple static limits, Velocity Envelopes monitor your spending pace throughout the month. If your daily burn rate indicates you will exceed your monthly envelope limit before the month ends, YoFi proactively alerts you.
Subscription Guardian audits your recurring tools and services, identifies sneaky price hikes, warns you before upcoming renewals, and flags forgotten free trials before they convert into paid subscriptions.
The Lifetime License is a single one-time payment that unlocks YoFi Pro forever. You receive all current and future feature updates, unlimited on-device AI OCR scans, unlimited accounts, and priority support with zero recurring subscription fees.
Annual Pro includes a 14-day free trial, while Monthly Flex includes a 7-day free trial. You can test all Pro features risk-free. If you cancel before the trial concludes, you will not be billed a single cent.
Subscriptions are managed with 1 click directly inside your Google Play account (Google Play Store > Profile > Payments & Subscriptions). There are no cancellation fees, hoops, or dark patterns.
You will NEVER lose your existing data. All historical transactions, accounts, and categories previously logged remain stored locally and fully viewable. New entries will simply adhere to the Free Starter limits (up to 5 accounts, 2 envelopes).
Yes. YoFi is 100% functional offline. All transaction logging, budget calculations, and OCR parsing run on your phone’s local processor. Live market FX rates are cached locally for offline currency conversions.
Yes. Data custody is our core tenet. You can export complete, unencrypted or password-encrypted CSV and JSON ledgers at any time for use in Excel, Google Sheets, or custom accounting software.
YoFi allows you to generate a password-encrypted database vault file (`.yofi`) that you can save to Google Drive, your personal NAS, or send directly to your new device for 1-click restore.
Transparent Pricing
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Privacy Policy
Read our explicit commitment to 100% on-device local storage and zero cloud mining.
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Terms of Service
Review our license agreements, Google Play terms, and sovereign user rights.
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