One private picture of your money
Four old pensions, an ISA, the mortgage. One number. Yours.
Tessera gathers every account into one private picture in minutes — what you're worth, what the fees cost, when you can stop working. Then ask Claude, ChatGPT or a human adviser, with your data still in your hands.
FCA-authorised feeds
Open Banking connections. Read-only, always.
Zero-knowledge
Encrypted on your device. We hold ciphertext only.
UK data residency
Built for UK money — pensions, ISAs, GDPR.
Yours to export
Every record, any time. Never sold on.
Your money lives in ten places. The picture lives in none of them.
Pensions from old jobs. An ISA here, savings there, the mortgage somewhere else. What are you worth? What are the fees costing you? Are you on track? Answering takes an evening with a spreadsheet — so mostly, nobody answers.
providers holding pieces of your financial life right now
UK adults underserved by financial advice and guidance (FCA)
a year for traditional advice — if an adviser will take you at all
lost yearly to forgotten pots, high fees and idle cash
See what your money is doing, not just where it sits.
When can I stop working? What are the fees costing me? Where is cash sitting idle? Tessera answers from your real, complete picture — not a questionnaire.
You're overpaying
For a default fund you never chose, at triple the fee of your cheapest pot. Once you see the spread, the fix is obvious.
Losing to inflation
Sitting uninvested, quietly costing you £3,100 over five years. The most common leak — and the easiest to fix once you see it.
Use it or lose it
Of tax-free ISA allowance still unused — and it vanishes on 6 April, whether you used it or not.
Your data, any AI
Ask the assistant you already use — about your actual money.
A secure connector puts your complete picture in front of Claude, ChatGPT, or whichever AI you already trust. Read-only, scoped to what you grant, revoked in one click.
When it's serious
Some decisions deserve a human. Invite one in.
Share your picture with an FCA-authorised adviser. You set the scope, they skip the fact-find, and the first meeting starts with your complete picture already on the table.
Private by construction
We can't read your data. Not won't — can't.
Everything is encrypted on your device with a key only you hold. Our servers store ciphertext they cannot open. Privacy here is architecture, not policy. Read the public security review →
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You hold the keys
Your master key is derived on your device and never leaves it. Argon2id.
Nothing to leak
Every record is sealed before it crosses the wire — a breach gets ciphertext. XChaCha20-Poly1305.
Sharing without surrender
The people and AIs you invite see only what you scope — revoked in a click. X25519 sealed boxes.
Nothing to sell
We can't read your data, so we can't monetise it — built on audited libsodium.
One plan. Everything in it.
The picture above found £1,120 a year in fees alone. Tessera costs £99 a year. Find one leak and it has paid for itself — eleven times over.
About 7% of the cost of traditional advice — for the complete picture it would start from.
"I had four pensions I couldn't have named. An hour after signing up I knew the total, the fees on each, and which one to move. That alone paid for years of this."
EARLY-ACCESS MEMBER · BRISTOL · ILLUSTRATIVE — REAL NAMES AT LAUNCH
Or £99 a year — two months free.
No card to start · cancel any time.
Ten minutes from now, you could know your number.
Everything you own, in one place for the first time — and only you can read it.