Your money,
your rules.
Control your spending. Set the rules and let your money run on autopilot.
Your money,
stress free
Your bills should not cause anxiety. Pacto gives you a system to remove the anxiety from your spending.
Effortless Money Management
Plan it one time and let Pacto handle it automatically forever.
Stay on Track
Know exactly where your money goes without the complexity.
Designed to
give you control
Pacto's features are designed to give you control of your spending.
Connect Accounts
Connect all your bank accounts and watch your money flow in when its time.
Auto Payments
Schedule your bills one time and let and Pacto handle the payments, forever.
Lock Funds
Keep money for important bills locked until it is time to pay so you do not spend it early.
Payment Plans
Set simple payment plans to prepare for bills in installments instead of lump sums.
Built for
delight and safety
Every feature is designed with simplicity and security in mind, so you can spend your way.
Effortless Experience
An intuitive experience that makes money management feel natural, not overwhelming.
Bank-Level Security
Your data is protected with the same standards used by major banks worldwide.
Government Regulated
We partner with regulated institutions supervised by the CBN with NDIC coverage.
FAQs
Everything you need to know about Pacto and how it works.
Pacto helps you manage your money wisely by locking funds for specific needs and releasing them as planned. It is like having a personal financial assistant that ensures you spend with intention.
Yes. We use bank level security and we do not handle your money directly. Your funds stay in your accounts while we provide intelligent guidance and automation.
Set your spending plan, connect your accounts, and we handle the rest. Pacto distributes funds, provides smart insights, and helps you avoid missed bills while you stay on track with your goals.
Pacto is for anyone who wants control without complexity. Whether you are saving for goals, managing monthly expenses, or planning ahead.
Join our waitlist with your email, complete a quick survey to help us understand your needs, and we will send you an invitation when we are ready.