Moxa is a money-management platform designed for independent earners and people building careers outside traditional employment. Its goal is to bring financial information into one clear view, helping users understand their cash position, plan spending, and make decisions with greater confidence. Moxa combines balances from bank accounts, credit cards, crypto exchanges, and self-custodial wallets to show total available cash and financial runway.

Its Safe to Spend feature accounts for average income, upcoming bills, and a chosen spending target, with options to adjust for changing circumstances. Users can also explore Sustain, Baseline, and Grow spending scenarios, track net worth, and see recurring payments and subscriptions in one place. Additional tools include bill reminders and one-swipe business expense tagging, helping users stay organized and reduce year-end record gathering.

Moxa emphasizes privacy and security: access to financial data is read-only, information is encrypted using AES-256 at rest and TLS in transit, and the company says it does not sell user data or share it with advertising partners