I’m working on YouBankLab, a beta experiment around a simple idea:

What if people didn’t keep their money in a bank, but in a personal financial cloud they fully own?

YouBankLab is a non-custodial financial environment where:

users hold their own funds and identity

payments are peer-to-peer

the system has no custody over money

What’s new (and what I’m testing) is a local, privacy-first AI layer that:

observes transaction patterns

detects behavioral changes or anomalies

provides context and insights

never moves money or makes decisions

AI here is not a bot or advisor — it’s more like a private financial “observer” that helps you understand what’s happening inside your own financial cloud.

This is an early beta and very much a learning project. I’m mostly interested in feedback on:

whether this framing makes sense

where it feels unclear or unrealistic

and if this solves a real problem for anyone here

Live beta: https://youbanklab.base44.app

Website: https://www.youbanklab.com

Happy to answer questions.

— Tomas