Overview
PayVolks (presented on the MercurialPay site) is an AI-powered personal finance platform anchored by the Apollo AI engine. It promises automated budgeting, adaptive savings plans, intelligent investment guidance, and instant risk/ROI calculations to help users make data-driven financial choices. The platform claims real-time market integration (via TradingView) for tracking assets and provides educational resources to help users learn trading and diversify income. Emphasizing security and user ownership (zero access and zero commission), the product positions itself as a companion for everyday financial decisions — from forecasting income trends to optimizing spending and long-term wealth-building. The site notes PayVolks is under development and invites support/donations while planning additional enterprise features and enhanced media capabilities.
Key Features
Apollo AI financial reasoning
Uses a core AI engine (Apollo/X1 family) to provide budgeting, forecasting, risk and ROI calculations for user decisions.
Zero-commission automated finance
Claims zero access and zero commission model so users retain full ownership of earnings; designed to automate savings and investments.
Real-time market tracking
Integrates TradingView for live market data and continuous asset monitoring.
Adaptive savings & income forecasting
Forecasts earnings trends, adapts savings plans to income changes, lifestyle goals and inflation.
Media & document analysis
Supports file uploads, image and voice tools plus advanced media modes on paid tiers for richer interactions.
Multiple reasoning engines & advanced modes
Paid tiers unlock Xraw, Xnil, X1, and Xpro reasoning models, plus Pro operator modes and experimental previews.
Who Can Use This Tool?
- Individuals:Automate budgeting, savings, and get personalized investment guidance.
- Casual Investors:Track markets in real time and receive AI-driven risk and ROI insights.
- Power Users & Enterprises:Use advanced reasoning models and expanded media/operational tools for business finance workflows.
Pricing Plans
Explore how AI can help with everyday tasks
- ✓Access to X1 Mini
- ✓Real-time data from the web with search
- ✓Limited access to Xnil and research tools
- ✓Limited access to file uploads, analysis, image & voice tools
- ✓Basic code editing in desktop app
- ✓Use custom X1s
Unlock more productivity & creativity with enhanced tools
- ✓Everything in Free
- ✓Extended limits for messaging, uploads & generation
- ✓Advanced voice mode + screensharing
- ✓Access to Xraw, Xnil, X1 – all core reasoning engines
- ✓Early preview access to experimental features
For power users and enterprises who need it all
- ✓Everything in Plus
- ✓Unlimited use of X1, Xnil, Xraw and Xpro reasoning models
- ✓Higher voice & media limits + full video & screen mode
- ✓Access to PayVolks Operator Pro mode
- ✓Extended early access to research previews
Pros & Cons
✓ Pros
- ✓Zero-commission and zero-access positioning (user retains earnings)
- ✓AI-driven budgeting, forecasting, and automated savings adjustments
- ✓Real-time market data integration via TradingView
- ✓Tiered plans that unlock advanced reasoning engines and media features
- ✓Offers desktop app capabilities and file/image/voice analysis
✗ Cons
- ✗Limited verifiable third-party reviews or independent validation
- ✗Key claims (e.g., 85% accuracy) are unverified on the public web
- ✗Site appears to be an early-stage / under-development project
- ✗Enterprise pricing and detailed SLA/contact pages not clearly available
