Fund your account, create budgets, and each one gets its own real virtual card with a hard spend cap. No overspending — ever.
From bank account to hard-capped virtual card in minutes.
Securely connect your bank account via Plaid and fund your Qawama wallet.
Name it, set a cap, choose monthly or one-time — and you're done.
Each budget instantly gets its own virtual card, ready to add to Apple Wallet.
The card hard-declines at your cap. No overdrafts, no surprises.
Built for people who want real control over their spending — not just a dashboard to watch it happen.
Spend limits are enforced at the card issuer level — not by a notification after you've overspent. Your card simply declines.
Every budget gets its own dedicated virtual card. Groceries, subscriptions, dining — each with isolated funds and its own limit.
Add your virtual cards to Apple Wallet for tap-to-pay anywhere contactless payments are accepted.
Invite family members to a budget. Everyone on the budget spends from the same card — with the same hard cap.
Choose whether unspent funds roll over into next month or reset. Flexible budgeting that works the way you think.
Every purchase is captured instantly via webhook. Know exactly what was spent, where, and when — in real time.
We built Qawama with the same security posture as enterprise spend management tools — because your personal finances deserve the same respect.
Bank credentials are handled entirely by Plaid. Plaid access tokens are encrypted at rest in our database using AES-256-GCM. We never store raw credentials of any kind.
AES-256-GCMIdentity verification data is sent directly to our card issuing partner and never persisted on Qawama servers. We collect only what we need, and keep only what we must.
Zero PII retentionVirtual cards are issued through Lithic's regulated card infrastructure. Card numbers are proxied in real time and never stored or logged by Qawama at any point.
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Take control of your spending today. Set up your first budget in under two minutes.
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