The Origin alternative built for Europe
Your whole balance sheet, kept in Europe., from the banks you actually use.
2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase in one net worth, encrypted with your own key in Frankfurt. From €8 a month.Origin is an all-in-one American financial life: budgets, an AI advisor, tax filing, planner sessions and estate documents. Its help centre states that it cannot connect international accounts and that the consumer app defaults to US dollars. Gylder does one job for Europeans: live PSD2 connections to 2,700+ banks across 29 countries, a mortgage modelled loan part by loan part, and every balance encrypted in Frankfurt. From €8 a month.
- PSD2 livePSD2 live · 2,700+ banks
- Stored in FrankfurtStored in Frankfurt
- Your own encryption keyEncrypted before storage, key unique to you
- No ads, no data salesNo ads, no data sales
- PSD2 live for 2,700+ banks in 29 countries
- Data stays in the EU
Why Gylder
Four reasons Gylder is the better fit for Europeans.
Origin is built for Americans who want their whole financial life, advice included, in one app. Gylder is built for the way Europeans bank, own a home and protect their data, and it does less on purpose. Here is what that means in practice.
- Why Gylder
Connects to 2,700+ banks across 29 countries.
Gylder's PSD2 connections reach 2,700+ banks across 29 countries, and DeGiro, Bitvavo and Coinbase connect too. Origin's help centre states that they do not currently have the ability to connect international accounts, and that users outside the United States add transactions by CSV instead.
- Why Gylder
Your data stays in Europe, encrypted with your own key.
Gylder encrypts every balance with AES-256-GCM before it is stored, with a key unique to you, and keeps everything in Frankfurt. A copy of the database alone reveals nothing. Origin's privacy policy states that their servers are located in the United States, and their trust portal names AWS in Virginia.
- Why Gylder
Your mortgage and your history, as they really are.
Gylder models a mortgage as its real loan parts and carries a daily net worth history that reaches back before you signed up. Origin's help centre states that connecting an account pulls no historical balances from before the connection date, and nothing on their site addresses loan parts or a fixed-rate end date.
- Why Gylder
One job, done properly, for €8 a month.
Gylder Basic is €8 a month and Pro €15 a month or €150 a year, billed in euros, with 14 days of Pro free. Origin's help centre states $12.99 a month or $99 a year, and that price buys a much wider product: budgets, an AI advisor, US tax filing, planner sessions and estate documents. Gylder does none of those, and does not intend to.
Swipe for all four
Privacy, the European way
Your financial data stays in Europe, encrypted before it is stored.Your financial data stays in Europe, and is encrypted before it is stored.
Gylder was built for European rules from the first line of code. A copy of our database, on its own, reveals nothing.
- GDPR compliant
- EU data centres
- PSD2 regulated
- AES-256-GCM
Encrypted before it is stored
Every balance is encrypted with AES-256-GCM using a key unique to you. A copy of our database alone reveals nothing.
Read-only by nature
Connections can only ever read. Gylder never trades, transfers or touches your funds.
Kept in the EU, two-factor sign-in
All data lives in Frankfurt, Germany, GDPR-compliant by design, and every login uses two-factor authentication.
Yours to take and to delete
Export everything in one click. Delete your account and the key your data was encrypted with is destroyed with it; encrypted backups age out within seven days.
Swipe for more
Gylder vs Origin on privacy
Where your balance sheet lives, and who can read it.
A net worth tracker holds the most complete picture of your finances that exists anywhere: every account, every holding, your home and your debts, in one place. Where that picture is stored, and who can open it, matters more than any feature.
Gylder keeps it in the EU and encrypts every balance before it is stored, with a key that belongs to your account alone. Origin is a US company; its privacy policy states that its servers are located in the United States, that submitting your information means agreeing to its transfer and processing there, and that Standard Contractual Clauses cover transfers out of the EEA.
| Privacy point | Gylder | Origin |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | The United States; their trust portal names AWS in Virginia |
| The company behind it | A European company, based in the Netherlands | A US company; investment advisory services are offered by Origin Investment Advisory LLC, registered with the SEC |
| Bank connections run through | Enable Banking, based in Finland, which keeps no copy of your data | Plaid, MX and Finicity, named on their own pages |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored | AES-256 in transit and at rest, per their security article |
| Who holds the keys | A key unique to your account; a copy of the database alone reveals nothing | Their site lists encryption key access as restricted and does not describe a per-account key |
| European data-protection law | A Dutch company, under the GDPR for everything it holds | Their security article states compliance with applicable aspects of the GDPR; transfers out of the EEA are covered by Standard Contractual Clauses |
Only in Gylder
Your mortgage is not one number.
Most Dutch mortgages have several loan parts. Gylder models each one as it really is, annuity, linear or interest-only, with its own rate, schedule and extra repayments. The debt on your balance sheet is the debt you actually have. Origin's help centre describes connecting a mortgage by lender or adding it by hand as a single balance; loan parts, per-part rates and fixed-rate end dates are not something their site addresses.
Start 14 days of Pro, freeGylder vs OriginGylder vs Origin, feature by feature
Point by point, for a European household.
Tap a topic to compare.Pick a topic to compare.
| Getting your numbers in | Gylder | Origin |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | No:Their help centre states international accounts cannot be connected; transactions are added by CSV |
| American banks, brokers, retirement and 529 accounts | No:Not a job Gylder takes on: Europe is the whole brief | Yes:Yes: over 13,000 institutions through Plaid, MX and Finicity |
| Broker and exchange holdings arrive without typing | Yes:DeGiro, Bitvavo, Coinbase | Yes:Yes: brokerage, retirement and crypto through Coinbase |
| A European home kept at today's value | Yes:Revalued for you | Partly:A Zillow estimate updated monthly; their help centre states the value cannot be adjusted by hand while Zillow is on |
| Holdings in other currencies, counted in euros | Yes:Yes, converted for you | Partly:Their help centre states the consumer app defaults to US dollars and the currency cannot be changed by hand |
| Any other asset, from gold to DeFi | Yes:Yes, and precious metals revalued for you | Yes:Yes, added by hand: property, vehicles, collectibles, private businesses |
| What it keeps track of | Gylder | Origin |
|---|---|---|
| A mortgage modelled as separate loan parts | Yes:Annuity, linear, interest-only | Not stated:Their site does not say; a mortgage is one connected or hand-entered balance |
| A daily net worth history that reaches back | Yes:Yes, including before you signed up | Partly:From the connection date; their help centre states no earlier balances are pulled in |
| Transactions sorted into spending categories | Yes:Yes | Yes:Yes, categorised automatically with editable categories and tags |
| A holding company, a trust or another entity | Yes:Add them today; fuller support on request | Not stated:Their site does not say |
| What it works out for you | Gylder | Origin |
|---|---|---|
| Annualised return on the money you put in (XIRR) | Yes:Yes | Not stated:Their site does not name a return method |
| Cost basis that survives a transfer between brokers | Yes:Yes | Not stated:Their site does not say |
| Dividends received and yield on cost | Yes:Received and yield on cost, with the coming year projected from the last twelve months | Partly:Described for their own stock bundles |
| Portfolio against a market index | Yes:Yes | Yes:Yes, against major indices such as the S&P 500 |
| What Origin does that Gylder does not | Gylder | Origin |
|---|---|---|
| Budgets set in advance for the month | No:Not a job Gylder takes on: Gylder answers where you stand and what changed | Yes:Yes, built for you from your income and spending |
| An assistant that recommends what to do next | No:Not a job Gylder takes on: Gylder shows the numbers, not what to do about them | Yes:Yes: their AI Advisor is the first thing on their homepage |
| US tax returns filed in the app | No:Not a job Gylder takes on | Yes:Yes: federal and single-state filing, with expert help at $189 |
| A session with a certified financial planner | No:Not a job Gylder takes on: Gylder is not a financial adviser | Yes:Yes: 30-minute and 60-minute sessions at $99 and $149 |
| A will and estate documents | No:Not a job Gylder takes on | Yes:Yes: a basic will with membership, a full will at $119 |
| Offered through your employer as a benefit | No:No: Gylder is sold directly | Yes:Yes: their employer plan is a financial wellness benefit |
| Privacy and security | Gylder | Origin |
|---|---|---|
| Your financial data stored inside the EU | Yes:Frankfurt, Germany | No:The United States; their trust portal names AWS in Virginia |
| Encrypted with a key tied to your account | Yes:Yes: AES-256-GCM, a key unique to you | Not stated:AES-256 at rest and in transit; their site does not describe a per-account key |
| Read-only connections | Yes:Yes | Yes:Yes: their security article states read-only access |
| No copy of your bank data at the connection provider | Yes:Yes | Not stated:Their site does not say what Plaid, MX or Finicity retain |
| Covered by European data-protection law | Yes:Yes: a Dutch company under the GDPR | Partly:Their security article states compliance with applicable aspects of the GDPR |
| Price | Gylder | Origin |
|---|---|---|
| Price | Yes:Flat: €8 or €15 a month; Pro €150 a year | Yes:$12.99 a month or $99 a year, with a $1 first year for new members |
| Billed in | Yes:Euros | Yes:US dollars |
| Free trial | Yes:14 days of Pro | Partly:7 days; their help centre states it is unavailable during the $1 offer |
| Export everything | Yes:One click | Partly:Spending transactions as CSV, per their help centre |
Live in Europe? Gylder is the better choice.If you live in Europe, Gylder is the better choice.
- your money is at European banks, DeGiro, Bitvavo or Coinbase
- you have a mortgage with more than one loan part
- you want your financial data kept in the EU and encrypted with your own key
- you want returns, dividends and spending in one place
- you would rather pay a lower flat price, in euros
Choose Origin if:
you are in the United States, your tax return and your employer benefits are the hard part, or you want software that recommends what to do next. Budgets, advice, tax filing and estate documents are the heart of Origin's product, and none of them is on Gylder's roadmap: Gylder shows you what you own and what changed, and is not a financial adviser.
QuestionsQuestions people ask before switching
Their help centre states that they do not currently have the ability to connect international accounts, and that users outside the United States can add transactions individually or by CSV upload. Gylder connects over PSD2 to 2,700+ banks across 29 countries, and DeGiro, Bitvavo and Coinbase connect too.
No, and it is not planned. Origin leads on an AI financial advisor and offers sessions with certified financial planners. Gylder shows you what you own, what it is worth today and what changed; what to do about it stays yours. If an assistant recommending your next move is what you want, that is a real difference between the two.
In Frankfurt, Germany. Every balance is encrypted with AES-256-GCM before it is stored, using a key unique to you, so a copy of the database alone reveals nothing. Our PSD2 connection provider keeps no copy of your bank data, and every login uses two-factor authentication.
They are close, and they buy different things. Gylder Basic is €8 a month and Pro €15 a month or €150 a year, billed in euros, with 14 days of Pro free. Origin's help centre states $12.99 a month or $99 a year, with a $1 first year for new members, and that price includes budgeting, tax filing, an AI advisor and a basic will.
Yes. Gylder converts everything you hold in other currencies into euros, so your net worth is always one figure. Origin's help centre states that their consumer app defaults to US dollars and that the currency cannot be changed by hand.
Yes. PSD2 connections reach 2,700+ banks across 29 countries. DeGiro comes in with its full history, and Bitvavo and Coinbase connect with a read-only API key.
Gylder can: each loan part is modelled as annuity, linear or interest-only, with its own rate, fixed-rate period and extra repayments. Origin's help centre describes a mortgage as one connected or hand-entered balance, and loan parts are not something their site addresses.
Add it by hand, from DeFi positions to private stakes. Want it tracked automatically? Request it: the Gylder team adds the integrations members ask for.
Try it against your own numbers.
Connect your bank, import DeGiro or link an exchange. You will know the same evening.Connect your bank, import DeGiro or link an exchange with a read-only key. Within an evening you will know whether the picture is worth keeping.