Kubera

Kubera sells a cloud-based personal balance-sheet platform that aggregates global bank, brokerage, crypto, real-estate, domain and private-asset data into one dashboard; users track net-worth in 170+ currencies and run “what-if” portfolio simulations. The service is sold only online through kubera.com on an annual subscription priced at USD 150 per year—positioned in the mid-range between free budgeting apps and high-end family-office software. The product’s unique selling point is its “privacy-first” architecture: read-only APIs, no ads, no data selling, and a dead-man’s-switch that delivers account credentials to a beneficiary if the user stops checking in. This has made Kubera popular with domainers and crypto natives who need to document illiquid digital assets for estate planning; the platform auto-updates 20,000+ tickers and pulls Zillow/Redfin property valuations in real time. Typical customers are globally mobile professionals, FIRE community members and tech-savvy investors aged 25-45 who hold accounts across multiple countries and want a single source of truth without sharing data with advisors. They value financial privacy, minimalist design and the ability to generate a time-stated net-worth report for lenders or heirs in seconds. Kubera competes with free net-worth trackers, robo-advisor dashboards and legacy wealth-management portals; it differentiates by refusing to monetize user data, supporting exotic asset classes like ENS domains and NFTs, and offering estate-transfer features that DIY spreadsheets cannot automate.