Question 1

Is Evibe a broker?

Accepted Answer

No. Evibe is a tracker, not a brokerage. You can't place orders from the app — it's designed to give you a clear, real-time view of what you already own across every account.

Question 2

Which asset classes can I track?

Accepted Answer

Seventeen, in two tiers. Four are tracked with live market data — stocks, ETFs, crypto and options — values update automatically as quotes move. The other thirteen are *custom assets* you maintain yourself: bonds, forex, commodities, funds, real estate, art, vehicles, startups, loans, jewelry, collectibles, cash and other. For these you enter the value and update it at your own pace; the app handles currency conversion, optional recurring income (rent, interest, etc.) and includes them in your allocation pies and net-worth chart. We don't appraise property, art or anything else — that's not our job; the net-worth picture is.

Question 3

Does Evibe connect to my broker automatically?

Accepted Answer

Yes. Link your US banks and brokerages through Plaid and Evibe imports your holdings and transactions automatically — read-only, in a few clicks. Plaid covers 10,000+ US and Canadian institutions, and your subscription includes up to 3 connected accounts. Evibe can never place orders or move money. If your institution isn't covered (or you prefer manual control), the CSV importer with its dry-run validator is still there.

Question 4

What does the AI actually do?

Accepted Answer

Three things. It analyzes your portfolio — a 0–100 health score across diversification, risk, performance and concentration, with plain-language insights. It explains any single stock — earnings trajectory, valuation vs sector, quality and risks, built on grades computed from hard data, so the AI can't invent figures. And once a day it surfaces a few investment ideas to research, each grounded in cited sources, stress-tested by an adversarial reviewer, and published with its bear case and a calibrated confidence. None of this is investment advice — Evibe never tells you to buy or sell.

Question 5

Is any of this investment advice?

Accepted Answer

No — and we're deliberate about it. Evibe is a tracker, not a broker and not a financial advisor. Everything the AI produces — your portfolio health score, the per-stock deep dives and the daily opportunities — plus anything an AI assistant reads through MCP, is educational analysis of your own data: never a recommendation to buy, sell or hold, never a price target, never a solicitation. The portfolio and stock analyses are built on grades computed from real data (the AI explains them, it can't invent figures), every opportunity ships with its bear case and is stress-tested by an adversarial reviewer, and each one is flagged as an idea to research rather than a pick to act on. The decisions stay yours — do your own research, and consider a licensed advisor for anything that needs one.

Question 6

Can I connect my portfolio to ChatGPT, Claude or Gemini?

Accepted Answer

Yes. Evibe can generate your own private MCP (Model Context Protocol) endpoint, so an AI assistant — ChatGPT, Claude, Gemini or any MCP-capable client — can read your real holdings and answer questions about them in plain language, like “how exposed am I to tech?” or “what's my dividend income this year?”. It's read-only and entirely under your control: you create the connection and can revoke it whenever you want. Assistants only read your portfolio context — they can never place orders or move money — and their answers are informational, not investment advice.

Question 7

Is there a web or Android version?

Accepted Answer

Yes — there's a web app, live now. Try the interactive demo at demo.evibe.com right away, with no install and no account; sign in at app.evibe.com for the full browser view of your portfolio. It's still rolling out, so access may be gated while we scale up. Android isn't on the roadmap. Beyond the web, Evibe is Apple-native by design — iOS, iPadOS and macOS with deep system integration (widgets, menu-bar tickers, Watch complications). No Catalyst. We'd rather do one ecosystem exceptionally well.

Question 8

How does real-time work?

Accepted Answer

Evibe streams live quotes from leading market data providers and pushes updates to every device the moment they arrive — phones, Macs, widgets and macOS Bars stay in lockstep.

Question 9

Where are my data stored?

Accepted Answer

In our cloud database hosted by OVH in Canada, fully anonymized and encrypted. Your email is handled exclusively by Firebase Authentication — we never see it on our side. Portfolio holdings, transactions and balances are never linked back to your identity in human-readable form.

Question 10

Does Evibe sync across my devices?

Accepted Answer

Real-time sync across your Apple devices is coming very soon — it's the next big feature on the roadmap. Once it ships, signing in on iPhone, iPad and Mac will give you the same portfolios, alerts and dividend events kept in sync as the market moves. Today you can still use Evibe on multiple devices, but changes you make on one aren't yet propagated automatically to the others.

Question 11

What are macOS Bars?

Accepted Answer

A Mac-exclusive feature: thin, always-on-top floating bars that show live quotes for your symbols, options, currencies or whole portfolios. Configurable per-bar — position, colors, indicators — so you can keep an eye on the markets without leaving your work.

Question 12

Can I follow my watchlist from the lock screen and Dynamic Island?

Accepted Answer

Yes, on iPhone. Start a Live Activity on any watchlist and its symbols stay pinned to your lock screen and Dynamic Island — price, change and market state, including pre-market and after-hours, with a sparkline on the rich layout for one or two symbols. Updates are pushed server-side in near real time (throttled to respect iOS's budgets), and an optional “active screen” mode wakes the display at a safe cadence. It follows the symbols on a watchlist rather than your whole portfolio, and it's iOS and iPadOS only.

Question 13

How often do widgets refresh?

Accepted Answer

iOS and macOS control how often widgets refresh, not us — the system decides based on battery, your usage patterns, signal and a few other factors. We can request a refresh, but the OS has the final word. A few things that help keep widgets up to date: open the Evibe app at least once a day (the OS allocates more refresh budget to apps you actively use); place widgets on screens you visit often (lock screen, primary home page); avoid Low Power Mode (iOS aggressively throttles widget refreshes in that mode). On Mac, macOS Bars don't have this limitation — they update in real time whenever a price ticks. The Apple Watch complication also updates close to real time, within the bounds watchOS allows. And when you want a constant view on iPhone, start a Live Activity — it pins a watchlist to your lock screen and Dynamic Island, with prices pushed in near real time.

Question 14

Does it really handle multiple currencies properly?

Accepted Answer

Yes. Each portfolio has its own reference currency, and historical FX rates are applied to your cost basis on the date of every transaction. We track 70+ currency pairs continuously.

Question 15

Why no lifetime subscription?

Accepted Answer

Real-time tracking relies on live market data — quotes, exchange feeds, dividend calendars, fundamentals — which we license from third-party data providers (Financial Modeling Prep, Intrinio and a few others). Those licenses are billed to us monthly, per active user. A lifetime payment would mean accepting decades of per-user data costs in exchange for one upfront payment — the math doesn't work, and most apps in this category that promised lifetime ended up dropping data quality, switching to a worse provider, or quietly shutting down. We'd rather charge a fair monthly fee, keep the data licensed properly, and still be here in ten years.

Question 16

How do I cancel my subscription?

Accepted Answer

Subscriptions are handled entirely by Apple, so we can't cancel them on our side. On iPhone or iPad, open Settings → your name → Subscriptions, then tap Evibe → Cancel Subscription. On Mac, it's System Settings → Apple ID → Media & Purchases → Manage → Evibe. You can also go straight to apps.apple.com/account/subscriptions from any Apple device. Your access stays active until the end of the current billing period.

Questions, answered.

Your portfolio
deserves better.

Questions, answered.

Your portfoliodeserves better.

Your portfolio
deserves better.