One connected system
Every dimension of your life, on one screen.
Money, insurance, health, documents, vehicles, warranties, nominees and family — connected on one plane, not scattered across twenty apps. Sentient reads it all, surfaces the silent gaps, and makes your affairs legible to your family in thirty minutes if the worst happens.
The problem
Nobody is holding the whole picture. Not your bank. Not your advisor. Not you.
hold pieces of your life — money, policies, documents, warranties — and none of them hold the whole picture.
is what a blank nominee line can cost a family when assets pass without a will.
is the typical aftermath when nobody knows where the documents, policies or passwords are.
The shift
From twenty logins to one plane of awareness.
One connected plane
Money, protection, maintenance and family on a single surface — so intelligence can synthesise across them, not just within one.
Read-only intelligence
Sentient shows the move; you make it. No payments, no trades, no advice. Awareness first — the specialist tool executes.
Your agent. Always.
It works for you, not for the institution behind an integration — the one thing an incumbent can't copy without cannibalising itself.
The product
Four dimensions of your life. One system that connects them.
Every rupee, in one place
Net worth at a glance, dues with day-level countdowns, a full portfolio with XIRR, and loans with a plain-language prepay-or-hold read — every entry traceable to its source.
- Net worth & dues
- Portfolio & XIRR
- Idle-money awareness
Nothing lapses in silence
Insurance with renewal countdowns and exclusions, per-member health records and medications, identity documents with expiry tracking, a live CIBIL and fraud watch, and an estate view that flags every asset with no nominee or will.
- Renewals & exclusions
- Health & identity docs
- Nominee & estate gaps
The upkeep of a whole life
Vehicle service and PUC status, appliance warranties and AMCs, subscription and utility spend, tax filing deadlines, and succession upkeep — each surfaced before the date bites.
- Vehicles & PUC
- Warranties & AMCs
- Tax & subscriptions
Your family, ready in 30 minutes
Trusted people and professional contacts, a three-layer emergency protocol, your digital-accounts inventory, a planner that keeps recurring life admin on track, and an Emergency Card ready to hand over the moment it's needed.
- Trusted-person access
- Emergency Card
- Planner & contacts
Depth, not just breadth
Every dimension, opened all the way up.
Each area goes as deep as it needs to — the fine print, the silent expiry, the overlooked gap. Here's Protection: policies, health records, nominees, estate, documents and fraud, in one place.
The intelligence layer
It connects the dots you didn't know were connected.
Because everything lives on one plane, Sentient reasons across it. A property with no insurance and no nominee becomes a single alert. A loan that costs more than your portfolio earns becomes a plain-language nudge. Every insight reads like a sentence — and the next step is obvious.
- Observations, never orders — the choice stays yours.
- Cross-dimensional — money, protection and family at once.
- Plain language — if you can read it, you can act on it.
Without a will or nomination they pass through intestate succession — which can take years.
+ Add to tasks₹24,500 due by 27 Jul. Missing the date lapses the cover for the whole family.
+ Add to tasksIt costs 9.25% while your portfolio returns 13% — prepaying saves more than you earn.
+ Add to tasksIn your pocket
The same clarity, on every screen.
Sentient is a fast web app and an installable mobile app — one connected vault, wherever you are. Check what's due on the train, close a gap from the couch, hand over the Emergency Card in a crisis.
The flagship
The thirty-minute backstop.
Most of what a family loses after a death isn't money — it's knowing. Which banks, which policies, which documents, which assets have a nominee and which quietly don't.
Sentient keeps a live Emergency Card ready — contacts, blood type, active cover, banks and bills due — so your trusted person can act in thirty minutes, without calling a single institution.
Security
Built like a vault. Because it holds one.
Sentient sees the most sensitive picture of your life. We protect it the way that demands — encrypted end to end, kept in India, and never, ever sold.
Encrypted end to end
AES-256 at rest, TLS 1.3 in transit. PAN, Aadhaar and account numbers get an extra field-level encryption layer on top.
Read-only means low blast radius
Sentient can't move your money, buy, or trade — so there's nothing for an attacker to transfer or drain. The smallest possible attack surface.
Your data stays in India
Localised in Indian data centres — nothing crosses the border. DPDP-aligned from day one, with a right-to-erasure built in.
Never sold. Ever.
Data sharing is off by default. Our revenue is your subscription, not your data — so the incentive to leak or monetise it can't exist.
You see only yours
Row-level isolation is enforced at the database, not just the app. Your records are cryptographically walled off from everyone else's.
Delete it all, anytime
It's your data. Export or permanently erase your entire vault whenever you choose — no retention games, no dark patterns.
What is Sentient?
Sentient is a read-only intelligence layer for your whole life — not just your finances. It brings money, insurance, health records, documents, vehicles, warranties, nominees and family access onto one connected plane, then surfaces the silent gaps (a lapsing policy, an unnamed nominee, an expired PUC, an idle balance) before they cost you money or time.
Is Sentient just a finance app?
No. Money is one of several dimensions. Sentient also tracks protection (insurance, health, identity documents, nominees, estate), maintenance (vehicles, warranties, subscriptions, tax deadlines) and family readiness (trusted people, emergency handoff). The point is the connections across all of them, not any single vertical.
Is Sentient a bank or a payment app?
No. Sentient never moves money, executes trades, buys policies or files claims. It is read-only by design — it shows you the move and you action it in your own bank or portal. This is the structural reason it can act purely in your interest.
Does Sentient give financial advice?
No. Sentient surfaces observations and gaps in plain language — for example, whether a loan's rate is higher than your portfolio's return — but it never issues personalised financial or investment recommendations. The decision, and the action, remain yours.
How does Sentient help my family in an emergency?
Sentient assembles an Emergency Card — key contacts, blood type, active health cover, banks and bills due — and lets you designate trusted people. The goal is a 30-minute handoff: if the worst happens, your family can act without calling every institution or hunting for paperwork.
What is nominee consolidation?
Sentient cross-references every asset and policy against its nominee and will coverage, then flags exactly what's exposed — for instance, estate assets with no nominee that would otherwise pass through intestate succession, a process that can take years to resolve.
Is my data safe and private?
Yes. Data is encrypted at rest (AES-256) and in transit (TLS 1.3), with field-level encryption on sensitive identifiers. Data is localised in India and never sold — data sharing is off by default. Sentient's revenue comes from you, not from monetising your information.
Does it work on mobile and web?
Yes. Sentient runs as a fast web app and as an installable mobile app (PWA) with the same connected data — designed mobile-first, with a full-width layout on the desktop web.