The Klara App is where everything comes together. It is the dashboard, the control panel, the monitoring system, and the command center of your entire financial experience. The vault, the credit engine, the card system, the settlement layer, the multi chain module, all of them report back to the Klara App.

If the card is how you spend and the vault is where your assets live, the app is how you control everything without ever touching the backend.

Think of it as the user friendly surface on top of a heavy onchain machine.

Below is the complete breakdown.

7.1 Dashboard

The dashboard is the first thing you see when you log into Klara. It gives you a full real time picture of your financial state in one place.

The dashboard shows:

• your available credit
• your total collateral value
• your used credit
• your health ratio
• your spending for the month
• your active virtual cards
• your physical card status
• your most recent transactions
• important alerts or warnings

The goal of the dashboard is simple.
No confusion.
No digging around.
Everything that matters is visible instantly.

The interface is built to feel like a modern fintech app while still giving you deep onchain transparency in the background.

7.2 Card Controls

The Klara App gives you full control over both virtual and physical cards.

Here are the controls:

• create new virtual cards
• delete virtual cards
• freeze or unfreeze any card
• set spending limits
• choose categories
• enable or disable online payments
• enable or disable tap to pay
• update PIN
• set region restrictions
• set merchant restrictions

These updates apply instantly because the app communicates directly with the credit engine and settlement layer.

Nothing requires customer support.
Nothing requires waiting.
You are always in control.

7.3 Vault Management

The app also lets you control your self custodial vault.

Inside the vault panel you can:

• add collateral
• withdraw collateral (if safe)
• switch between supported networks
• track the price of each asset
• view your vault breakdown
• see collateral health changes
• check volatility alerts

The vault panel is connected to price feeds and the credit engine in real time, so your vault always reflects the live value of your collateral.

7.4 Credit Management

Your credit engine data flows directly into the app. This panel shows:

• current limit
• used credit
• remaining credit
• upcoming repayments
• recommended top ups
• credit utilization patterns
• health ratio status

If your credit becomes risky, this panel is the first place where you’ll see alerts and guidance.

The app also provides suggestions like:

• add collateral
• repay small amounts
• reduce card limits
• watch for market dips

The idea is to help users manage credit in a way that avoids accidental liquidation.

7.5 Spending Analytics

The analytics panel turns your spending into insights.

You can see:

• category breakdowns
• monthly spending trends
• merchant lists
• top merchants per month
• recurring payments
• international spending
• rejected transactions
• card by card usage

Analytics help users understand their habits and manage long term expenses.

Everything is categorized automatically by the settlement layer.

7.6 Notifications and Alerts

Notifications are a big part of the Klara app because the system is dynamic and depends on market prices.

You will receive alerts for:

• collateral dips
• credit limit changes
• suspicious transactions
• new card creations
• virtual card expirations
• repayments
• settlement confirmations
• health ratio warnings
• network irregularities

Notifications appear inside the app and can also be configured as push notifications depending on user preference.

7.7 Profile and Security Settings

This section handles user security and personalization.

Settings include:

• passkey management
• device management
• login monitoring
• security logs
• app appearance (light and dark mode)
• personal info updates
• regional settings
• default card preferences
• recovery tools

The goal is to keep user accounts safe and prevent unauthorized access.

7.8 Multi Chain Management

Inside the app, you can also switch network preferences and see which chain your collateral is coming from.

You can:

• choose deposit networks
• track collateral by chain
• see fees for each network
• change network priority
• understand where your value is stored

This allows users to interact with the Klara Vault in a multi chain way without needing to worry about bridges or complex onchain actions.

7.9 Future Additions (Coming Soon)

These features will be added as the app evolves.

1. Auto top up recommendations
The app will be able to automatically suggest optimal collateral additions during volatile market movements.

2. AI assisted spending insights
Personalized guidance like “you spent too much on X this month” or “your subscriptions have increased”.

3. Custom merchant rules
Block specific merchants or merchant categories.

4. Business mode
Multi user card controls for team spending.

5. Open API for third party wallet integration
Future developer ecosystem.

Why the Klara App Matters

The Klara App is the layer that makes a very complicated system feel simple.
The vault, the credit engine, settlement logs, all the real time data and calculations are hidden behind an interface that feels natural to anyone who has used a fintech app.