Zortia FAQ

Zortia is a wealth operating system for founders. It blends your business metrics (from a read-only Stripe connection) with what you personally own to give you one honest number, your Founder Wealth Score, that answers the question MRR never can: are you actually getting richer?

Yes. The Wealth Audit and your live Stripe metrics are free forever. Paid plans (Operator $29/mo and Allocator $59/mo) unlock the living wealth layer, your score trajectory over time, the spend analyzer, valuation, and the AI CFO.

No. The homepage demo and the Wealth Audit work with no signup. You only sign in when you want to save your numbers, track them month over month, or connect Stripe to your account.

Open the free Audit. Either type your numbers in (a few minutes) or connect a read-only Stripe key to auto-fill your revenue and churn, then add what you own. Your Score appears instantly, with a full breakdown.

Just an email or a Google account. Optionally, a read-only Stripe key if you want your exact live numbers instead of typing them.

Under five minutes for your first Score.

Never. Zortia has no bank connection at all. That is the core promise: no bank login, ever. Business numbers come from a read-only Stripe key, and everything personal is typed in by you.

Yes. You paste a restricted key scoped to Read. Zortia can compute your metrics, but it can never move money, charge a customer, or issue a refund.

No. We do not run ads and we do not sell or broker data. Your numbers are yours. You can export everything or permanently delete your account at any time.

Your email, your plan, your encrypted Stripe key (only if you connect one), the personal figures you enter, and monthly snapshots of your Score. We only ever read aggregate revenue metrics from Stripe. We never store your customers' personal data.

It is encrypted with AES-256, kept in an httpOnly cookie that JavaScript cannot read, and encrypted again in the database. Only the server can decrypt it, and only to fetch your metrics.

No. Every user's data is isolated by row-level security in the database, so even with the public key a person can only ever read their own rows. All secret keys live server-side and are never exposed to the browser.

Yes, anytime and permanently. You can also disconnect your Stripe key in one click, which removes it immediately.

No. Zortia is informational tooling. The numbers are yours, computed transparently. Decisions are yours.

One transparent number from 0 to 100 that fuses your business and personal finances into a single answer: are you getting richer? Every component and weight is shown, so it is never a black box.

Deterministically, in code, never by AI. It is a weighted blend: wealth retention rate 25%, net-worth trajectory 25%, profit margin 15%, real runway 15%, equity-to-debt 10%, and draw consistency 10%. You can see every sub-score and its weight.

MRR is vanity. It can climb while your bank balance flatlines, because costs, churn, your draw, and personal spending quietly eat it. The Wealth Score shows the wealth you actually keep, not just the revenue you bill.

The bridge is how much your business adds to your net worth each month after costs. It is the link between revenue and real wealth, and it is the heart of the Operator view.

Roughly: 80 and above is compounding, 65 to 79 is building, 50 to 64 is stabilizing, and below 50 is at risk. The breakdown always shows your single biggest lever to move it.

No. All the math is deterministic and lives in code. The AI only appears in the AI CFO, where it explains your numbers in plain English. It never invents figures.

A Stripe Restricted API key set to read-only. It starts with rk_ (for example rk_live_...). A full secret key (sk_) also works, but the restricted read-only key is the safe, recommended choice.

In Stripe, go to Developers, then API keys, then Create restricted key. Set Subscriptions, Customers, Charges, and Invoices to Read, leave the rest as None, create it, and copy the rk_ key.

Yes. Read-only means the key can only view data, never charge or refund. Zortia stores it encrypted, and you can revoke or disconnect it at any time.

Aggregate revenue metrics only: MRR, ARR, ARPU, active customers, new and churned MRR, churn rate, failed or delinquent payments, and refunds. It never reads your customers' personal information.

Every provider uses its own private formulas for things like MRR and churn. Zortia recomputes from your raw subscription data as accurately as possible, but small differences can occur depending on how refunds, trials, prorations, and currency conversions are handled. It is a reliable, independent signal rather than a one-to-one copy.

Yes, completely. You can type your numbers into the Audit by hand and the Score works exactly the same. Connect Stripe later whenever you want exact live numbers.

Stripe today. More providers, such as Razorpay, Paddle, Lemon Squeezy, and Polar, are on the roadmap.

Free: the Wealth Audit, your live Stripe metrics, and a Score snapshot. Operator ($29/mo): the living wealth layer (the net-worth bridge), your Score trajectory over time, the spend analyzer, and monthly tracking. Allocator ($59/mo): valuation, exit-readiness, and the AI CFO.

Through Dodo Payments, our merchant of record. Plans are month to month, and yearly options are available (Operator $290/yr, Allocator $590/yr).

Yes, with no lock-in. If you cancel or downgrade, you keep access until the end of the current period.

Yes. If your first Wealth Audit does not surface a specific move to grow your net worth, it is free.

No. The free tier works with no credit card.

Your Wealth Score and breakdown, your business metrics, the net-worth wealth layer, a monthly spend analyzer, your Score trajectory, valuation and exit-readiness, and an AI CFO. Free users see the Score and business metrics; paid tiers unlock the rest.

A monthly tool to break your spending into categories (paid ads, influencer marketing, salaries, servers, inventory, or your own custom categories), then Analyze it into a pie breakdown, a by-function view, and your customer acquisition cost (CAC). It is an Operator feature.

Ask plain-English questions about your own numbers and get a grounded answer, like whether you can afford to pay yourself more. The math stays deterministic; the AI only explains it. It is an Allocator feature.

An estimated sale range for your business based on your revenue and margins, plus a checklist of how ready you are to sell. It is an Allocator feature.

With Google, or with a secure sign-in link sent to your email. There are no passwords to remember or leak.

Check your spam folder, and give it a minute. If it still has not arrived, request a new link. At higher volume we send through a dedicated email provider for fast delivery.

Use Sign out in the dashboard sidebar.

Yes. Sign-in is passwordless and handled by Supabase Auth, so there is no password for anyone to steal.