Novo vs Shelter
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
Novo compared with Shelter
| Detail | N
Novo | 
Shelter |
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| What it does | Banking built for independent businesses
| The Secure Digital Vault for What Matters Most
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| Stage | Not given
| Not given
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| Founded | Not given
| Not given
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| Based in | US
| US
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| Pricing model | Free
| Paid
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| Pricing | Not given
| $99 per year with a 30-day free trial. No additional charges for trusted contacts.
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| Key features | - No-fee business checking account
- Physical and virtual business debit cards
- Free ACH, wire, and instant FedNow payments
- Invoicing and payment acceptance
- Bill pay and vendor payments
- Expense tracking and management
- Reserve accounts for tax planning
- Business credit products
- Business loans
- Tool integrations with accounting and payroll
| - Secure cloud vault storage for accounts, assets, and wishes
- Invite up to 10 trusted contacts
- 10 GB document uploads and file attachments
- Customizable access timing for trusted contacts
- Five folder categories for organization
- Yearly update reminders
- Zero-knowledge encryption architecture
- Multi-factor authentication required for access
- Data export capability
- Timed access for deceased account holders
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| What makes it different | - Built with AI you trust powered by Claude, OpenAI, and Gemini
- Platform designed specifically for independent businesses
- All banking tools in one integrated platform
- No monthly fees with free standard ACH
- Real-time cash flow visibility and expense organization
| - Even employees cannot access encrypted data with zero-knowledge architecture
- One straightforward annual plan with no hidden fees
- 30-day free trial with no credit card required
- Data remains accessible for one year after subscription ends
- Full data export protection if service shuts down
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| Free plan | Not given
| Not given
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| Open source | Not given
| Not given
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| Platforms | Not given
| Not given
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| Public API | Not given
| Not given
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 71 ● no change since last check | 3 ● no change since last check |
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| Trust Flow (Majestic) | 30 | 3 |
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| Citation Flow (Majestic) | 46 | 17 |
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| Referring domains (Majestic) | 2653 | 27 |
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5 details filled in for both companies.
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