If something happens tomorrow… will your family know where to start?
KINVIYO™ helps Indian families discover, organize, and stay aware of financial assets across banks, insurance, investments, apps, and documents — before they become forgotten or unclaimed.
Most Unclaimed Money
Was Never Lost.
It Was Forgotten.
Across India, thousands of crore in bank deposits, insurance benefits, and investments remain unclaimed every year — simply because families don't know what exists.
are forgotten
are misplaced
of what exists
dormant or unclaimed
Built for the moment you hope never comes.
A short film about why KINVIYO™ exists — and the families it's built for.
KINVIYO™ on YouTube Shorts
One platform. Three core promises.
KINVIYO™ is built on a simple idea — protect your family with awareness, not just access. We hold the awareness map. Your bank holds your money. Your cloud holds your documents.
- Asset DiscoveryIdentify and organize all your financial assets across banks, investments, insurance, apps — in one private structured map.
- Family AwarenessHelp your loved ones know what exists — without sharing passwords, without giving access. Awareness is the new inheritance.
- Continuity IntelligenceDetect risks, get alerts, and stay prepared before assets become unclaimable. KINVIYO™ keeps watch — even when life gets busy.
Privacy first. Family always.
Four foundational pillars that make KINVIYO™ different from every fintech, vault, or will service you've used before.
Privacy First — No Passwords
We never ask for or store any banking passwords, OTPs, or credentials.
Secure & Encrypted — Bank Grade
End-to-end encryption with industry-standard TLS, CIS-hardened infrastructure.
Family Controlled — You Decide Who Knows
Granular role-based access. Each family member sees only what you assigned.
No Money Handling — Awareness, Not Access
Zero capability to move funds. Your bank stays your bank. Always.
Fourteen features. One complete
platform.
Every feature is built on zero-knowledge architecture. We hold the awareness map — never your data.
Wealth Map
Know what you own.
Map bank accounts, investments, insurance, pensions, digital and physical assets.
Commitment Tracker
Stay aware of obligations.
Track all financial obligations — loans, EMIs, guarantees — so your family knows what must continue.
Document Vault
Your cloud. Always.
Connect Google Drive or OneDrive. Documents stay in your storage. KINVIYO™ holds only the map.
Smart Alerts
Awareness, before it's too late.
Get notified about expiring policies, missing nominees, dormant accounts, continuity gaps.
Role-Based Access
Nobody sees uninvited.
Granular visibility controls. Each family member sees only what you explicitly assigned.
Digital Will
Sealed today. Opened only when needed.
Encrypted instructions for each family member — decrypted only after KINVIYO™ verifies a death event.
Legacy Mode
Auto-execution when life changes.
5-step nominee handoff: verify, decrypt, notify, transfer subscription, transfer cloud — all guided.
Multi-Profession
Business owners and freelancers.
Separate folders for personal, Business 1, Business 2, freelancer income — zero data mixing.
Minor Protection
Guardian-controlled until 18.
Full vault for minor children with auto-transition on their 18th birthday.
Life-Event Engine
Marriage. Birth. Adoption.
KINVIYO™ adapts as your family changes. Add or remove members, update roles naturally.
Web + Mobile
One subscription. All platforms.
Web app and mobile (iOS & Android, Aug 2026). Biometric login. Real-time sync.
Zero-Knowledge
Even we can't see your data.
No passwords. No balances. No account numbers. KINVIYO™ stores only the awareness map.
Continuity Score
Know how prepared you are.
0–100 family readiness metric — see your gaps, fix them, watch your score rise.
Family Plan
One plan. Whole household.
Cover your immediate family with a single subscription. Ownership transfer built-in.
More coming soon
We're constantly adding new features based on family needs.
Five steps to complete clarity.
From your family tree to a fully mapped continuity plan — most users finish in under 30 minutes.
Add Family
Build your family tree. Define relationships. Decide who should know what.
Map Assets
Add banks, insurance, investments without sharing a single password.
Organize Docs
Connect Google Drive or OneDrive. Documents stay in your cloud.
Get Insights
Smart alerts on missing nominees, expiring policies, continuity gaps.
Stay Prepared
Your family knows where to look — when it matters most.
Privacy is the architecture — not a feature.
Your bank holds the money. Your cloud holds the documents. KINVIYO™ holds only the awareness map that connects your family to both — safely, privately, and only when needed.
“If our entire database were stolen tomorrow, a malicious actor would find nothing they could use to steal a single rupee from any user.”
This is not a feature we added. It is the foundational constraint around which every feature was designed — our strongest competitive moat.
No Password Storage
We never ask for or store institution passwords. Ever.
No OTP Capture
OTPs never logged. KINVIYO™ never logs into your accounts.
No Money Handling
We never touch your money. Awareness-only, always.
No Auto-Transfers
Zero capability to move funds. Your bank stays your bank.
Bank-Level Security
Encrypted at rest and in transit. CIS-hardened infrastructure.
You Own. You Decide.
Complete control over visibility. Revoke access anytime.
Families who want clarity before crisis.
Built for the moments you hope never come — but prepare for, just in case.
The decision-maker
"If something happens to me tomorrow, my family won't know where to begin."
→ Map it now. So they find it later.
The next generation
"We spent 18 months trying to find my father's LIC policy. I refuse to let my family go through this."
→ Give your parents a system. Not just a will.
The aware partner
"My husband handles all our finances. If something happened to him, I'd be completely lost."
→ One app. Both know where everything is.
The multi-entity life
"My family can't run my affairs if I'm gone. Even I sometimes forget what I have."
→ Map your businesses and family. Together.
Across continents
"My parents' assets are in India. I'm in another country. Coordinating is a nightmare."
→ Distance shouldn't mean disconnection.
Lifetime of legacy
"I have 40 years of policies, FDs, properties. My children don't know half of them."
→ Your life's work, made findable.
Simple plans. No surprises.
All prices include GST. Web app and mobile app — both included. One subscription, every platform.
KINVIYO™ Tree
Build your family map. No credit card.
- Complete family tree builder
- KinMap relationship visualization
- Role & visibility mapping
- Invite family members
- Always free. No expiry.
Annual Plan
Full premium access. Individual.
- All 14 Shield premium features
- Wealth Map + Commitment Tracker
- Smart alerts & risk detection
- Digital Will & Legacy Mode
- Web + Mobile app included
- Priority email support
All prices include GST. Subscription starts on platform launch date. If platform access isn't enabled within 60 days, you're eligible for a 100% refund. Powered by Razorpay — RBI-regulated & PCI-DSS compliant.
Have a special access code?
Things people ask before signing up.
If your question isn't here, write to us at connect@kinviyo.com