User Guide

Getting Started

First Launch

1. Choose Language — Tap the 🌐 globe icon in the top-right corner to select your preferred language before setup begins.
2. Welcome — Tap Get Started to begin setup.
3. Choose Wallet Location — CybaWallet stores new wallets on the device by default for fast, reliable access.
4. Create Master Password — Set a strong password (min 8 characters). This is the only password you need to remember — there is no recovery option.
5. Enable Biometrics (optional) — Turn on Face ID or Touch ID for quick unlock.

Multiple Wallets

You can create and manage multiple wallets, each with its own password:

• Create New Wallet — Start fresh with a new encrypted database.
• Open Existing Wallet — Select a .cwal or .db wallet file from any location.
• Switch Wallet — Go to Settings → Switch Wallet to change wallets.

Cards

Manage your credit, debit, and prepaid cards from the Cards tab.

Adding a Card

1. Tap + on the Cards tab.
2. Fill in: name, cardholder, card number, CVV, expiry, PIN.
3. Choose a card network (Visa, Mastercard, Amex, Discover), type (Credit, Debit, Prepaid), and color.
4. Optionally assign a category.
5. Tap Save.

Scanning a Card

Tap the camera icon next to the card number field to scan a physical card. The app uses OCR via the device camera to auto-detect the card number and expiry date.

Organizing Cards

• Search — Filter by name, cardholder, or number.
• Categories — Use chip filters. Tap Manage to create, edit, or delete categories.
• Sort — Order by Custom, Type, Network, or Color.
• Reorder — In Custom Order mode, drag and drop cards to rearrange.

Copying Card Details

With the privacy toggle (eye icon) set to visible, tap the copy button next to any field to copy it to the clipboard. The clipboard auto-clears after your configured timeout.

Expiry Reminders

Open a card, tap Reminder, and set a date and optional repeat interval. CybaWallet can send a local notification before or on the date you choose.

Loyalty Cards

Store loyalty and membership cards with scannable barcodes and QR codes.

Adding a Loyalty Card

1. Tap + on the Loyalty tab.
2. Enter the program name and card/membership number.
3. Choose the code type: Barcode or QR Code.
4. Optionally assign a category and add notes.
5. Tap Save.

Scanning a Barcode or QR Code

Tap the camera icon on the card number field, then choose Scan Barcode or Scan QR Code. Point your camera at the code — it auto-detects and fills in the number.

Viewing Barcodes

Tap a loyalty card to expand it and view the barcode or QR code full-size — ready to scan at the register.

Expiry Reminders

For loyalty cards with an expiry date, open the card, tap Reminder, and configure a local notification and optional repeat interval.

Importing Shared Cards

CybaWallet can open .cybawallet files shared via AirDrop, email, or other apps. A confirmation sheet shows the card details before importing.

Notes

Create encrypted notes with markdown formatting and optional PIN protection.

Creating a Note

1. Tap + on the Notes tab.
2. Enter a title and write your content.
3. Use the formatting toolbar for markdown: bold, italic, headings, lists, links, code blocks.
4. Toggle between Edit and Preview to see rendered markdown.
5. Add tags for organization.
6. Tap Save.

PIN-Protecting a Note

In the note editor, enable PIN Protection and set a 4–6 digit PIN with an optional hint. Locked notes display a lock icon and require the PIN to view.

Filtering by Tags

Use the tag chips at the top of the notes list to filter by tag. Tap All to clear the filter.

Licenses

Store software license keys and subscription details.

Adding a License

1. Go to the Licenses tab and tap +.
2. Enter the product name, license key, issuer, and version.
3. Optionally set an expiry date and add a URL or notes.
4. Tap Save.

Copying License Keys

With privacy mode off (eye icon), tap the copy button to copy a license key to the clipboard.

Expiry Reminders

Set an expiry date on the license, then use Reminder to receive a local notification on a schedule you choose.

Bank Accounts

Store bank account details securely.

Adding an Account

1. Go to More → Bank Accounts and tap +.
2. Enter the account name, account number, routing number, account type, and optional balance/notes.
3. Tap Save.

With privacy mode off, copy account numbers and routing numbers with a single tap.

Balances and Net Worth

Account balances are entered and updated manually. CybaWallet does not connect to banks or download transactions.

The Home dashboard calculates net worth from these balances. Checking, savings, investment, and similar account types count as assets. Loan, Mortgage, and Credit Line accounts count as liabilities and are subtracted from total assets.

Financial Goals

Set savings or financial targets and track them against the balances of one or more bank accounts.

Creating a Goal

1. Open Goals from the sidebar and tap +.
2. Enter a goal name and target amount.
3. Choose a category such as Emergency Fund, Vacation, Home, Debt Payoff, or Custom.
4. Optionally add a target date.
5. Select one or more bank accounts to track toward the goal.
6. Add checklist tasks such as “Compare rates” or “Book accommodation.”
7. Tap Save.

Progress and Tasks

Goal progress is calculated from the current balances of linked accounts. The goal card shows the current amount, target amount, percentage, and task completion count.

Tasks are simple title-and-checkbox items. Check them off as you complete the work behind the goal.

Completing a Goal

You can mark a goal complete from its menu even when the linked balance does not match the target. This is useful when a goal was completed with cash, another account, or an action outside CybaWallet.

Completed goals move into a collapsed section at the bottom of the Goals screen. Reopen the section to review or mark one incomplete.

Passwords

Store login credentials in the encrypted password manager and review their health locally.

Password Health

The Passwords screen includes a local health summary that checks for:

• Weak passwords — Based on length and character variety.
• Reused passwords — The same password used by more than one entry.
• Old passwords — Passwords not changed for 180 days or more.

The audit runs on-device against your unlocked entries. Passwords are not uploaded to a server or sent to an external password-checking service.

Improving Password Health

1. Open a flagged entry from the Passwords list.
2. Generate or enter a unique password with a mix of character types.
3. Save the entry so its modification date is updated.
4. Review the health summary again after making changes.

Contacts

Store encrypted personal and professional contacts — lawyers, accountants, emergency contacts, and more.

Adding a Contact

1. Go to More → Contacts and tap +.
2. Fill in details across these sections:
   • Contact Information — Full name (required), role (e.g. Lawyer, Accountant), organisation.
   • Phone & Email — Primary & secondary phone, email, website.
   • Address — Street address details.
   • Tags — Comma-separated tags for filtering.
   • Notes — Free-text notes.
   • Professional Details — Reference/case number, portal URL, portal username.
3. Optionally enable Allow Emergency Access.
4. Tap Save.

Filtering Contacts

• Search — Filter by name, organisation, role, email, or tags.
• Tags — Tap a tag chip to filter. Tap All to clear.

Secure Media

Store photos, videos, and PDFs in encrypted albums with optional PIN protection.

Creating an Album

1. Go to More → Secure Media and tap +.
2. Enter an album name and optionally set a PIN.
3. Tap Save.

Adding Media

Open an album, then use the + menu:

• Add Photo / Video — Pick from Photos library, Files app, or capture with the camera.
• Upload Multiple Files — Select up to 50 photos and videos at once.

Album PIN Protection

PIN-protected albums display a lock icon. Tap Lock All in the albums toolbar to re-lock all unlocked albums at once.

Viewing Media

• Photos — Full-screen view with pinch-to-zoom and pan.
• Videos — Secure in-memory playback. Decrypted content is cleared from memory when you leave the view.

Privacy & Security

Privacy Toggle

The eye icon in the toolbar controls sensitive data visibility:

• Hidden (default) — Card numbers, PINs, CVVs, account numbers, routing numbers, and license keys are masked.
• Visible — Full values shown with copy-to-clipboard buttons.

Auto-Lock

The app locks automatically after a configurable timeout when moved to the background. Set in Settings → Auto-Lock Timeout (Immediate / 1 min / 5 min / 15 min / Never).

Clipboard Protection

Copied sensitive data is automatically cleared from the clipboard after your chosen timeout (30 s, 1 min, or 2 min). Configure in Settings → Clear Clipboard After.

Encryption

All data is encrypted at rest using AES-256 encryption via SQLCipher. Media files use AES-256-GCM. Your master password never leaves the device.

Offline Operation

CybaWallet is offline-first and makes no bank connections. No analytics or tracking is used for wallet data. If you configure a backup destination, encrypted backup files are copied to the folder you select; the live wallet remains local by default.

Backup & Restore

Automatic Backups

Daily encrypted backups are created automatically as .cybabackup files. Configure how many days to keep in Settings → Daily Backups to Keep (1–5 days).

Choosing a Backup Destination

By default, the wallet and local backups stay on the device. In Settings → Backup Destination, choose a folder such as iCloud Drive to mirror the encrypted backup files in the background. This keeps opening and using the wallet fast while still giving you an off-device copy.

The backup destination does not become the live wallet location. Backups contain encrypted wallet data and should still be protected with your master password.

Restoring from Backup

1. Go to Settings → Backup & Restore → Restore from Backup.
2. Select a .cybabackup file.
3. Review the backup details (date, size, app version).
4. Enter the original master password used when the backup was created.
5. Confirm — this replaces all current data.

Settings

Access Settings from More → Settings.

Quick Tips

• Swipe left on any list item to delete it.
• Drag and drop cards to reorder them (in Custom Order sort mode).
• Use tags on notes, contacts, and media for quick filtering.
• Keep the live wallet on the device for the fastest access, then configure an encrypted backup destination for off-device copies.
• Use Goals to connect manually entered account balances with savings targets and task checklists.
• Review Password Health regularly for weak, reused, or old credentials.
• Lock your wallet manually from the More tab when stepping away.
• Change the app language from the login screen — no need to log in first.