CoinKeeper

What CoinKeeper does

CoinKeeper is a mobile personal finance application developed by Disrapp LLC, a private Russian company headquartered in Saint Petersburg and founded in 2011. The app enables individual consumers and families to track income and expenses, set budgets (by category, week, month, or quarter), record savings goals, manage debt, and synchronize financial data across iOS, Android, Huawei AppGallery, and web. Multi-device cloud synchronization supports family accounting for up to five household members. Automatic bank import is provided through SaltEdge bank-aggregation infrastructure across the six largest Russian retail banks: Sberbank, Tinkoff, Alfa-Bank, VTB, Gazprombank, and Raiffeisenbank.

The product operates on a freemium subscription model: a free tier offers basic expense tracking on a single device, Platinum (1,490-1,790 RUB/year) unlocks unlimited categories, multi-device sync, family accounts, advanced analytics, and bank import, and Platinum PLUS (2,990 RUB/year) adds an AI assistant supporting voice and photo transaction entry, investment tracking with automatic import, and access to an investment-focused Telegram channel. AI capabilities include auto-categorization that improves through user behaviour training, voice and photo input for operation entry, and predictive budget-limit alerts. Community engagement runs through dedicated Telegram channels ("Правила Денег" and "Правила Инвестиций").

The company claims 500,000+ total users, 350,000+ monthly active users, and 17,000,000+ financial operations entered per month, with recognition as the most popular personal finance app in the Russian AppStore and Google Play and Editor's Choice Google Play "Best Developer" award. Distribution is mobile-first through app stores plus direct web purchase via about.coinkeeper.me; payment processing is handled by CloudPayments. The company has raised disclosed funding of approximately $1,769,003 in total (a 2011 seed of $100,000 and a 2020 round of ~$1,669,003 led by MTS StartUp Hub) and operates with a headcount of 1-10 employees.

Name

CoinKeeper

Legal name

Общество с ограниченной ответственностью «Дизрапп»

Website

https://about.coinkeeper.me

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

CoinKeeper is a Russian personal finance mobile app with 500,000+ users that offers expense and income tracking, budgeting, family accounting, and automatic bank imports across major Russian banks. It generates revenue through freemium subscriptions (Platinum and Platinum PLUS tiers) and integrates AI-powered voice and photo transaction entry via SaltEdge bank-data infrastructure.

Ownership category

akta.pro rank

Product category

Personal Finance Management

akta.pro industry

PRIMARYFSAGAAAD

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value)

Financial & Insurance/Financial Technology (Fintech)/Digital Banking & Neobanking Platforms

Keywords

• Personal finance management
• Expense tracking app
• Family budget software
• Bank transaction sync
• AI financial assistant

Headquarters

HQ city

Saint Petersburg

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Freemium Subscription (Platinum): Free basic tier with limited functionality (basic categories, single device). Premium Platinum tier unlocks unlimited categories, multi-device sync, family accounts, advanced analytics, bank import, and AI assistant features. Revenue generated through recurring annual, monthly, and lifetime subscription purchases.
2. Premium Subscription (Platinum PLUS): Higher-tier subscription including all Platinum features plus AI assistant, investment tracking with automatic import, and Telegram channel 'Investment Rules' access. Sold as annual subscription.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

CoinKeeper is a mobile personal finance management application that helps individuals and families track income and expenses, set budgets and savings goals, manage debt, and automatically import transactions from connected Russian bank accounts. The product is offered as a freemium app with paid Platinum and Platinum PLUS subscription tiers that unlock unlimited categories, multi-device sync, family accounting for up to five users, AI-powered voice and photo transaction entry, and investment tracking.

Product overview

CoinKeeper is a personal finance management mobile application with a tiered subscription model. The core free product provides basic expense tracking and budgeting, while the Platinum subscription (starting at 1,490 rubles/month or 1,790 rubles/year) adds unlimited categories, multi-device access, automatic bank imports, and detailed analytics. The Platinum PLUS tier (2,990 rubles/year) adds an AI assistant supporting voice and photo transaction entry, family accounting for up to 5 users, and investment tracking. The product integrates with major Russian banks (Sber, Tinkoff, Alpha-Bank, VTB, Gazprombank, Raiffeisen) via SaltEdge for automatic transaction synchronization. Available on iOS, Android, Huawei AppGallery, and web.

Differentiator

Problem solved

Functional benefit

Brands

• Platinum: Premium subscription tier offering advanced features including unlimited categories, detailed statistics, multi-device access, budgeting periods, and family account management
• Platinum PLUS

Products and services

• CoinKeeper Free Tier Free personal finance management app for tracking income, expenses, budgets, and financial goals. Provides basic transaction recording, expense categorization, and budget tracking functionality without requiring registration; available on iOS, Android, Huawei AppGallery, and web.
• CoinKeeper Platinum subscription Premium subscription tier that unlocks unlimited expense and income categories with custom tags, advanced analytics with visual charts, multi-device cloud synchronization across iOS/Android/web, family accounting for up to 5 users, automatic bank import from Sberbank, Tinkoff, Alfa-Bank, VTB, Gazprombank, and Raiffeisenbank via SaltEdge, weekly/monthly/quarterly budgeting periods with limit alerts, savings goals (копилка), debt tracking, and recurring transaction reminders. Sold as an annual subscription (with monthly and lifetime purchase options).
• CoinKeeper Platinum PLUS subscription Highest subscription tier that includes every Platinum feature plus an AI Assistant for finances that accepts voice commands and photos to add transactions and provide guidance, investment tracking with automatic import, and access to the exclusive 'Правила Инвестиций' (Investment Rules) Telegram channel. Sold as an annual subscription.

Quantifiable outcome

• 500,000+ users trust CoinKeeper for personal finance management
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability8 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core.

• SberbankcoreTechnology or IntegrationBank integration partnership enabling automatic transaction import from Sberbank. Users can securely link their Sberbank accounts for automatic expense categorization without manual entry.
• Tinkoff BankcoreTechnology or IntegrationBank integration partnership enabling automatic transaction import from Tinkoff. Supports auto-categorization of transactions across all Tinkoff account types.
• Alfa-BankcoreTechnology or IntegrationBank integration partnership enabling automatic transaction import from Alfa-Bank. Users can connect Alfa accounts for seamless expense tracking.
• VTB BankcoreTechnology or IntegrationBank integration partnership enabling automatic transaction import from VTB. Supports VTB account connections for automatic transaction sync.
• GazprombankcoreTechnology or IntegrationBank integration partnership enabling automatic transaction import from Gazprombank. Users can link Gazprombank accounts for automated expense tracking.
• RaiffeisenbankcoreTechnology or IntegrationBank integration partnership enabling automatic transaction import from Raiffeisenbank. Supports transaction import for Raiffeisen account holders.
• SaltEdgecoreTechnology or IntegrationTechnology provider for bank connection feature. SaltEDGE provides the infrastructure for secure read-only access to user bank accounts, enabling automatic transaction import. CoinKeeper receives bank account names, balances, and operations data without storing login credentials.
• CloudPaymentscoreTechnology or IntegrationPayment processing service for subscription purchases. Collects card bank name, category, type, holder name, and partial card numbers (first 6 and last 4 digits) for payment processing. Data is not sufficient for unauthorized card use.

Scale indicators5 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• ZenMoney (Дзен-мани): ZenMoney is the leading Russian-headquartered personal finance management mobile app with bank integrations, budgeting, and subscription tiers. It is the most directly comparable peer to CoinKeeper in the Russian market with overlapping features (multi-bank sync, family budgets, analytics).
• Monefy: Monefy is a cross-platform mobile personal finance tracker with a freemium model, expense categorization and budgeting. It targets the same consumer use case as CoinKeeper (mobile-first PFM) across global markets.
• MoneyWiz: MoneyWiz is a subscription-based cross-platform personal finance app with bank sync, budgeting and multi-device sync. Closely comparable business model (freemium/subscription PFM) and feature set to CoinKeeper.
• Wallet by BudgetBakers: Wallet by BudgetBakers is a mobile PFM app with multi-bank connectivity, cash management, budgeting and a premium 'Wallet Gold' subscription — directly comparable business model and target user to CoinKeeper.
• Spendee: Spendee is a PFM app offering multi-bank sync, shared family/household wallets, budgeting and a premium subscription. Overlaps with CoinKeeper's family-account feature and bank aggregation model.
• PocketGuard: PocketGuard is a consumer PFM app with bank linking, automatic categorization and premium subscription tiers. Directly comparable product category and monetization model to CoinKeeper.
• YNAB (You Need A Budget): YNAB is a subscription-only budgeting and expense-tracking app that uses envelope-based budgeting. Highly comparable subscription monetization and consumer PFM positioning to CoinKeeper's premium tiers.
• Goodbudget: Goodbudget is an envelope-budgeting PFM app with a freemium subscription model. Overlaps with CoinKeeper's budgeting, categorization and subscription mechanics for consumer users.

Broad incumbents

• Empower (Personal Capital): Empower (formerly Personal Capital) is a broad fintech incumbent combining PFM with wealth management and investments. Comparable in bank/account aggregation but much broader in scope and scale than CoinKeeper.

Regional players

• Bankin': Bankin' is a European-headquartered PFM aggregator with multi-bank connectivity and consumer budgeting features. Comparable multi-bank aggregation model to CoinKeeper, though primarily serving European (especially French) markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CoinKeeperApp
• Facebookfacebook.com/CoinKeeper

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CoinKeeper