Real-time financial clarity on every asset

Take control of yacht expenses.

Asset Card consolidates cashflow, payments, funding requests, and budgeting into a single platform. Giving you the most up to data and accurate financial reporting; all from your phone or in the board room.

Funding · Budgeting · Reporting · APA
Historical + live data upload
Defensible valuation, always current
Asset Card physical card
Physical
Asset Card app on iPhone
Asset Card virtual card
Virtual
Trusted by
Ramble onEllieAvalonBG CharadeRamble onEllieAvalonBG Charade
The Platform

One account per asset. Every dollar, traceable.

Asset Card delivers per-vessel segregated accounts funded directly from your existing bank - separating owner capital, build draws, operational spend, charter income and APA into clean, auditable ledgers. Issue controlled Visa® Commercial cards to captains, crew, managers and vendors. Track every dollar live, with AI receipt matching, smart GL coding and instant global transfers.

Demo data · for illustration only
M/Y Avalon
M/Y Avalon
Live valuation$38.4M
Length56m
Build2018 · refit 2024
TypeTri-deck motor yacht
FlagCayman
Charter #142 · Budget vs actual
$812,210 / $1,387,000
Fuel & Port Fees$432,108 / $554,000 78%
● +$240/min live posting
Provisioning$214,400 / $412,000 52%
● +$180/min live posting
Toys & Tenders$98,750 / $320,000 31%
● Idle
Crew Comms & Misc$66,952 / $101,000 66%
● +$40/min live posting
What you can expect when using Asset Card

Financial clarity at anytime.

Asset Card gives every high-value asset its own dedicated account. Eliminate blind spots with real-time spending visibility while cutting admin overhead and simplifying compliance.

Every dollar in its own ledger. Owner, charter, build — never mixed again.

Asset Card opens a real DDA account for every program — owner capital, charter APA, build draws and operating spend all live in their own ledger. Reconciliation becomes a non-event because the dollars never crossed in the first place.

Owner · own ledger$1.8M
Operating · own ledger$684K
Charter APA · own ledger$842K
Build draws · own ledger$215K
Segregated · 4 accounts · 4 ledgers
$3.54M
See It Live

One charter. One ledger. Every dollar — on screen.

Watch a real APA budget run live — load funds, swipe a card, capture a receipt, settle a wire. The numbers update the moment they happen, not at end-of-day.

  • Live APA + OPEX balances
  • Receipt capture & smart GL coding
  • Cross-border wires with no Asset Card fees
  • Owner-grade approvals & audit log
The Live Data Hub

Boat data in. Cost data out.

The Asset Card hub plugs into your yacht's live telemetry — engine, fuel, electrical, position — and turns every reading into a live cost number. Every knot, every kilowatt, every gallon: priced, posted and rolled into the same ledger that drives your valuation.

Simulated telemetry · for illustration only
Live telemetry hub
M/Y AVALON56m
Speed over ground
14.2kn
Fuel burn rate
42.6gph
Engine load
78%
Asset Card
Live data hub
Generator load
18.4kW
Battery state
92%
Water depth
124ft
Live cost — underway
$644/hr
Cost per nautical mile
$45.38/nm
Trip-to-date · auto-posted to ledger
$14,892
Sources of truthShow detailsHide details

Historical uploads

Past P&L, surveys, contracts, broker statements — uploaded once, classified automatically, indexed against the vessel.

Boat data feeds

Direct integrations with engine telemetry, fuel-flow meters, electrical KPIs and AIS — streamed live, normalised to your ledger.

Live Asset Card spend

Every swipe, wire and approval from every card on board — posted in real time and matched to the right account.

The AI agent

Meet Arvis - the AI that runs your finance office.

Plain-language access to your entire ledger. Generate invoices and P&Ls, reconcile bills, find expenses, code GL records - Arvis does the bookkeeping so the captain's office can run the boat.

Sample conversation · for illustration only

Ask Arvis

Your in-app AI agent for the financial side of the yacht. Pull reports, create invoices, find receipts, reconcile bills — all in plain language.

Ask anything…
Make statement
Create a P&L
Build a profit & loss from your ledger — period-tagged and GL-mapped.
Organise receipt
Upload a receipt
Snap or drop a receipt; Arvis matches the transaction and codes the GL line.
Organise bill
Upload a bill
Forward or upload a bill; Arvis extracts vendor, due date and approval route.
Plan
Forecast cash 12mo
Project burn vs charter income and flag any month that goes negative.
The Card

One physical card for the bridge. One digital card for everything else.

The named black card lives in the captain's wallet. The custom gold card lives in the app, in Apple Wallet, and on every receipt — both posting to the same APA ledger in real time.

Asset Card physical card — Jesse Clinton / Avalon Charter APA
Physical · Issued in cardholder's name
Asset Card virtual card
Virtual · Apple & Google Wallet
Live Finance

Numbers that actually move. The way a yacht actually moves.

Watch a real Asset Card project as it runs: balance ticking down, spend ticking up, transactions posting live, and team invitations flowing in - every component lifted straight from the app.

Sample transactions · for illustration only
M/Y Solstice · APA
Live
21%
balance
$ 1,588,000
spent
$ 412,000
total budget
$ 2,000,000
Project · APA Balance · Live
Capt. Jesse Clinton
Monaco Port Authority
M/Y Solstice · APA
completed
- $14,000.00
Wire
Chief Stew · Sarah
Antibes Provisioning Co
M/Y Solstice · Galley
completed
- $8,420.75
Card
Capt. Jesse Clinton
Highbourne Cay Dockage
M/Y Solstice · APA
processing
- $9,500.00
Wire
Transactions · Real-time
Assigned Contacts (3)
Cathrine Towner (You)
Admin
Capt. Jesse Clinton
Owner
Sarah (Broker)
Manager
Team · Permissions · Live invites
The modules

Four modules. One defensible valuation.

Funding requests, budgeting, financial reporting and charter APA — fed by historical records, vessel data, and live spend. Click through each module to see the 'how'.

  • Funding requests
  • Budgeting
  • Financial reporting
  • Charter APA
  • Invoicing
  • Bills
  • Live POS
  • Asset accounts
  • Card issuance
  • Roles & access
Asset Card has delivered a level of clarity and insight into our fleet operations that no other institution or management team has been able to provide. Their AI-powered tools and fleet dashboard let us identify critical blind spots while delivering complete real-time oversight across multiple vessels and assets. With live spend tracking and actionable insights into spending behaviour, we finally have the visibility needed for predictable outcomes and more effective planning.
Jesse Clinton — Yacht Manager / Captain · M/Y Avalon
Jesse Clinton
Yacht Manager / Captain · M/Y Avalon
Why Asset Card

Built above the rest. Built for the end user.

Live data tracking and financial analysis that no other platform comes close to — paired with US-based concierge support, USD-native money movement, and a web + mobile app actually designed for the captain's office, the owner's desk and everyone in between.

24/7
US-based concierge by phone or email
$250K
FDIC insured per account · bank-grade encryption
100%
Expense capture across every program

Designed for the industry

Built by people who've sat on the deck and at the GM's desk. Every field, account, and report speaks the language — APA, MYBA, MLC, shipyard timing, owner statements.

Read moreRead less

You're never explaining yachting to your software. Default templates for MYBA charter agreements, MLC-compliant crew payroll, shipyard draw schedules, and APA settlement ship the moment you open the app. Account naming, GL codes and report headings all reflect the way our industry talks about money — no awkward translation between QuickBooks columns and what the captain or owner actually wants to see.

Money movement — done right

USD-native operating accounts. 30+ currencies. Same-day on supported corridors. Wires, ACH and global payouts that clear when you need them, not three days later.

Read moreRead less

All operating funds sit in US-banked DDA accounts on Stripe + Fifth Third rails — meaning your money never gets stuck behind a Monaco close-of-business. FX is transparent at mid-market with a published fee. SWIFT, ACH, SEPA and FedNow routing are built-in. We've engineered the platform around the way owners and managers actually move money — including same-day wire reversibility windows.

Decades of combined experience

Built by yachting operators, treasury bankers and senior engineers — together. The same team that's run multi-million-dollar charter programs is the team you reach when you call.

Read moreRead less

The Asset Card team brings a combined 60+ years across superyacht management, charter brokerage, family-office treasury and FinTech engineering. We've been in your role, on your boats, in your owners' offices — and the platform reflects every lesson learned from running real programs end-to-end. When you ask a question, the person you reach has done your job.

Bank-grade security

Accounts are FDIC insured up to $250,000 per account through our regulated US banking partners. All data is protected with high-level encryption in transit and at rest.

Read moreRead less

Per-account FDIC insurance is delivered through Fifth Third Bank, our regulated US banking partner. Every byte of data — whether transactional, document or chat — is encrypted using AES-256 at rest and TLS 1.3 in transit. We're aligned with SOC 2 controls, run continuous third-party penetration testing, enforce hardware-key-backed 2FA for money movement, and never co-mingle program funds with our own working capital.

Real people, real support

US-based concierge desk reachable 24/7 by phone or email. No tickets, no time-zone friction — a human who knows your program from the first ring.

Read moreRead less

Every account is assigned a dedicated US-based concierge plus a 24/7 on-call pager line — staffed in Fort Lauderdale and Monaco. We answer in under two rings on the phone, under three minutes by email. You're never routed to a script — and we've already read your last statement before we pick up. SLA: 99% of urgent issues resolved within the same calendar day.

Asset Card · vs · the rest

Side-by-side with the tools every yacht office has tried.

Asset Card
All-in-one
  • Live charter finance + real-time cash controlCaptains get live funding + visibility during the charter — not a PDF a month later.
  • Valuation dashboard built inSurvey, insurance, mileage and maintenance streamed into one number that updates every second.
  • USD-native, US-bankedOperating accounts held in regulated US banking · Stripe + Fifth Third infrastructure.
  • US-based 24/7 conciergePhone & email coverage — same time zone as your owner.
  • AI agent built-inArvis writes invoices, builds P&Ls and reconciles bills in plain language.
VolySmartsheetStarboardCenttripPoint tools
  • Delayed reporting & costly settlementsAPA still requires post-trip reconciliation that often takes months.
  • No live valuationQuarterly estimates at best — manual updates from spreadsheets.
  • European banking + FX bleedEUR/GBP accounts on European hours; FX spread on every wire moved to USD.
  • Outsourced support across countriesTickets and time-zone friction when a captain needs an answer at the dock.
  • No AI · no agentBookkeeping is still a person + spreadsheet. The captain still chases receipts.
The App

Designed for the bridge. Built for the boardroom.

The same data on the captain's phone is on the owner's desk — presented for the audience. One swipe to approve a wire. One tap to send the monthly statement.

App preview · for illustration only
9:41
Projects
Search
Projects
Cards
6 projects
All Projects
Avalon Charter APA
40%
balance
$ 168,000
spent
$ 112,000
total budget
$ 280,000
Avalon Management
62%
balance
$ 80,000
Crew Gratuity
88%
balance
$ 12,500
Projects
Network
Transactions
9:41
Avalon Charter APA
routing number
*********
account number
*********
Asset Card
Card number
**** **** **** 9824
EXP
03/25
Send Wire
Instructions
Request
Physical Card
Add To
Wallet
Project Settings
Your Balance
$
168,000
Load
Move
Pay
Your Budget
$
280,000
40%
All Transactions
9:41
Transactions
Search
Project:M/Y Avalon · APA×
May 13, 2026 ( 4 )
CATHRINE TOWNER
Antibes Provisioning Co
M/Y Avalon · APA
Completed
- $429.00
Card
JOHN RIVERS
Palma Marine Services
M/Y Avalon · APA
Completed
- $1,129.00
Card
CAPT. JESSE
Shell · Marina Fuel
M/Y Avalon · APA
Pending
- $123.00
Card
OWNER WIRE
Hendrick Family Office
M/Y Avalon · APA
Completed
+ $30,000.00
Wire
Projects
Network
Transactions
Get the App

Asset Card. On every bridge, on every device.

Available on iOS and Android. Scan the QR or tap the badge to start issuing cards, loading APA balances and approving wires from the first day of charter.

App Store QR code
Download on theApp Store
iPhone & iPad · iOS 16+ · Face ID + Apple Wallet
Scan to download
Google Play QR code
Get it onGoogle Play
Android 12+ · Google Pay · biometric unlock
Scan to download

A financial standard, for the world's most demanding asset.

Book a 20-minute walkthrough with a member of our yachting team. We'll show you live balances against your real program structure.