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Maximum Financial Data Security with End-to-End Encryption (E2EE)

A person's assets, account balances, loans and cheques are among the most sensitive private data there is. Most accounting software keeps user data as plain text on its servers. With a zero-knowledge architecture and end-to-end encryption (E2EE), RealRate takes the security of financial data to the highest possible level.

What is zero-knowledge architecture and why does it matter?

In a zero-knowledge architecture, the server has no knowledge of the content of the data it stores. All encryption, using an advanced industry standard, happens in your device's browser with your own private key.

The plain text of your financial vault password is never sent over the internet or to the server. As a result, even if servers are breached or equipment is seized, no third party can see your portfolio figures, loan amounts or cheques.

  • Encryption in the browser before a single bit of data is sent to the server
  • Data that server administrators or hackers cannot reach
  • Standard web encryption algorithms (Web Crypto API)

Easy locking and unlocking with a secure vault

The first time you sign in, you set a strong password for your encryption vault. After that, just entering this password decrypts your data in the browser and makes it ready to use.

Whenever you finish using the app, you can lock the vault with a single click, which hides the figures on screen and clears the encrypted keys from the browser's temporary memory.

  • Change the vault password without re-encrypting your data
  • Automatic and manual locking to protect the screen from onlookers
  • Encryption is mandatory for every active user account

Privacy when sharing a portfolio

If you want to share your portfolio with a partner, financial advisor or friend, the generated link carries the decryption key in the URL hash, which is never sent to the server.

The privacy mode button on every page also lets you mask sensitive figures with asterisks in a single tap, so you can use the app with peace of mind in public places.

  • Secure sharing without revealing your main account password
  • Instantly mask amounts with privacy mode in public places
  • Full respect for user rights and no ad tracking

How it works

1

Set the vault password

When setting up your account, choose a secure passphrase known only to you.

2

Encrypt data locally

Every asset, transaction or loan you record is encrypted in the browser and only then sent for storage.

3

Unlock transparently on later visits

When you enter the password, your data is decrypted quickly with no intermediary and no public exposure.

Frequently asked questions

What happens if I forget my vault password?

Because of the zero-knowledge structure, there is no backup key on the server and your data cannot be recovered without the password, so write it down somewhere safe.

Can RealRate administrators see my portfolio figures?

No, never. The server stores only scrambled encrypted text, and even the system's creators have no access to your amounts.

Does encryption slow the software down?

No. The operations run on the browser's high-speed Web Crypto engine and finish in a few milliseconds with no perceptible delay.

Does sharing a portfolio publicly defeat the encryption?

No. The unlock key sits in the link's hash, and only the holder of the link can read that version of the portfolio.

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