---
title: "ArkFlow长流-资产管理·数字卡包·卡面收藏·银行卡管理 - Reviews, Revenue and Downloads in China | Apple App Store"
description: "ArkFlow 长流是一款本地优先的个人净资产管理与数字卡包 App，轻松管理个人资产，资产管理更简单。  它可以帮助你集中整理银行卡、信用卡、现金、股票、基金、贵金属、数字货币、债权与负债，并自动汇总总资产、总负债和个人净资产。  不需要每天记录每一笔咖啡、外卖和消费流水，也不需要绑定银行卡或提供银行密码。只需定期更新账户余额，就能看清自己的完整资产状况。  【个人净资产管理】  将不同平台、不"
---

# ArkFlow长流-资产管理·数字卡包·卡面收藏·银行卡管理 — China
> 全球货币实时汇率·信用卡还款提醒·记账·股票基金自动同步市值

![ArkFlow长流 App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/e1/87/04/e1870451-cc12-0343-72b3-ee58ef7e4894/AppIcon-0-0-1x_U007epad-0-1-0-85-220.png/400x400bb.png)

**Developer:** [云飞 张](https://apptail.io/developer/developer-TELLnc)
**Category:** Finance
**Rating:** 5.0/5 (6 ratings)
**Price:** Free
**Bundle ID:** com.zark.arkflow
**Store:** Apple App Store
**Country:** China
**Version:** 1.9.1 (released 2026-10-26)
**Original Release:** 2026-06-13

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/cn/app/app/id6768145287)
**AppTail Page:** [https://apptail.io/app/arkflow-ZCxA/china](https://apptail.io/app/arkflow-ZCxA/china)

## ArkFlow长流 Description
ArkFlow 长流是一款本地优先的个人净资产管理与数字卡包 App，轻松管理个人资产，资产管理更简单。

它可以帮助你集中整理银行卡、信用卡、现金、股票、基金、贵金属、数字货币、债权与负债，并自动汇总总资产、总负债和个人净资产。

不需要每天记录每一笔咖啡、外卖和消费流水，也不需要绑定银行卡或提供银行密码。只需定期更新账户余额，就能看清自己的完整资产状况。

【个人净资产管理】

将不同平台、不同账户中的资产集中到一个清晰的资产视图中：

• 查看总资产、总负债和个人净资产
• 按账户类型查看资产分布
• 集中管理现金、储蓄、投资和负债
• 更直观地了解自己的真实财务状况

【数字卡包】

每个账户都可以成为一张清晰的资产卡片。

你可以添加银行卡卡面、自定义卡片图片，并通过卡包式滑动交互浏览自己的账户。

支持扫描银行卡卡面，识别和整理银行卡信息，建立属于自己的私人数字卡包。

【信用卡管理与还款提醒】

集中整理多张信用卡的重要信息：

• 信用额度
• 当前欠款
• 账单日
• 还款日
• 有效期
• 银行名称与卡号尾号
• 自定义备注

避免因为信用卡过多而忘记还款日期或混淆账户信息。

【股票基金与投资资产】

支持记录和管理：

• 股票
• 基金
• 黄金与贵金属
• 数字货币
• 自定义投资资产

根据可用的公开行情更新资产估值，让不同平台中的投资资产能够统一计入个人净资产。

【多币种资产管理】

支持人民币、美元、港币、欧元、日元等多种货币。

通过汇率换算，将不同币种的账户统一折算为你的本位币，更直观地查看全球资产总额。

【更快捷地更新账户】

支持通过部分账户截图和快捷指令整理账户信息，减少重复输入，更方便地更新账户余额与资产数据。

【隐私优先】

ArkFlow 不要求连接银行账户，不会索取银行卡密码、支付密码或券商登录信息。

核心资产数据本地优先保存，并支持本地备份。iOS 用户还可以选择通过自己的 iCloud 在 Apple 设备之间同步。

你的财务数据由你自己掌控。

ArkFlow 不是银行、支付平台、证券交易平台或投资顾问，不提供支付、贷款、证券交易或投资建议。行情与汇率数据可能存在延迟，仅用于个人资产记录与估值参考。

适合以下用户：

• 拥有多张银行卡或信用卡
• 同时管理股票、基金和现金账户
• 持有人民币、美元、港币等多种货币
• 想计算自己的真实净资产
• 不想每天逐笔记录消费
• 重视本地存储与财务隐私
• 喜欢用卡片方式整理账户

用 ArkFlow 长流整理所有账户，看清钱在哪里、欠了多少，以及自己真正拥有多少。
——————————————
ArkFlow Pro 订阅说明

• ArkFlow Pro 提供月度订阅、年度订阅，以及一次性买断（永久解锁）。

ArkFlow Pro 会员：
· 月度会员：自动续订订阅，周期 1 个月
· 年度会员：自动续订订阅，周期 1 年
· 永久会员：一次性买断永久解锁（非订阅）

价格仅为中国区售价，其他地区具体名称、时长与价格以 App 内购买页及 Apple 购买界面显示为准。

• 订阅为自动续订：在当前订阅周期结束前 24 小时内未取消，Apple 将自动续订并向你的 Apple ID 扣费。
• 续订费用会在当前周期结束前 24 小时内扣取。
• 可随时在「设置 → Apple ID → 订阅」中管理或取消订阅。

隐私政策：
使用条款（EULA）：

## ArkFlow长流 Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/54/65/4b/54654b53-3613-412a-2a3f-436861e97c0a/screen-2.png/1320x2868.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/94/2c/ca/942cca15-9270-7176-a625-7b8a82876204/screen-3.png/1320x2868.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/51/d8/24/51d82451-2a2b-dfea-20a1-26d74daa41db/screen-5.png/1320x2868.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/46/66/0c/46660c6d-68c0-249b-4876-0f8a61b5a1bc/screen-1.png/1320x2868.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/38/c4/e7/38c4e7b0-481e-3d7e-52ea-7f530648ff2b/screen-6.png/1320x2868.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/27/99/3d/27993d47-f4de-dd84-ce9f-ac851e5cd5ff/screen-4.png/1320x2868.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/0e/80/6e/0e806ebe-6775-2eee-8231-7036fae9b222/screen-8.png/1320x2868.png)

## ArkFlow长流 Rating Breakdown in China
- 5 stars: 6 (100%)
- 4 stars: 0 (0%)
- 3 stars: 0 (0%)
- 2 stars: 0 (0%)
- 1 stars: 0 (0%)

## ArkFlow长流 Reviews in China

### ***** "集卡兼记账党的福利"
想法很好的一款软件，希望越来越好。
-- kingdongsl, 2026-07-22

### ***** "实现对卡面的自定义浏览"
可以展示出多张卡面的漂亮图案，包括真实录入和自定义卡面，对于多卡用户来说真实太友好了。还可以实现沉浸式浏览卡面。👍👍👍
-- 闪闪加, 2026-07-16

### ***** "审美高级 操作流畅"
开发者非常有审美的一款资产管理 App，卡片配色高级耐看，操作丝滑
-- 扇贝er, 2026-06-17

[View all ArkFlow长流 reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)

## ArkFlow长流 In-App Purchases
| Item | Price |
|------|-------|
| 月度会员早鸟 | ¥18.00 |
| Pro永久会员 | ¥198.00 |
| 年度会员早鸟 | ¥168.00 |



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## ArkFlow长流 Available In
- [China](https://apptail.io/app/arkflow-ZCxA/china)
- [United States](https://apptail.io/app/arkflow-ZCxA/united-states)
- [Türkiye](https://apptail.io/app/arkflow-ZCxA/turkey)
- [Hong Kong SAR China](https://apptail.io/app/arkflow-ZCxA/hong-kong)
- [Austria](https://apptail.io/app/arkflow-ZCxA/austria)
- [Australia](https://apptail.io/app/arkflow-ZCxA/australia)
- [Azerbaijan](https://apptail.io/app/arkflow-ZCxA/azerbaijan)
- [Barbados](https://apptail.io/app/arkflow-ZCxA/barbados)
- [Belgium](https://apptail.io/app/arkflow-ZCxA/belgium)
- [Bulgaria](https://apptail.io/app/arkflow-ZCxA/bulgaria)
- [Bahrain](https://apptail.io/app/arkflow-ZCxA/bahrain)
- [Bermuda](https://apptail.io/app/arkflow-ZCxA/bermuda)
- [Brunei](https://apptail.io/app/arkflow-ZCxA/brunei)
- [Bolivia](https://apptail.io/app/arkflow-ZCxA/bolivia)
- [Brazil](https://apptail.io/app/arkflow-ZCxA/brazil)
- [Belarus](https://apptail.io/app/arkflow-ZCxA/belarus)
- [Belize](https://apptail.io/app/arkflow-ZCxA/belize)
- [Canada](https://apptail.io/app/arkflow-ZCxA/canada)
- [Switzerland](https://apptail.io/app/arkflow-ZCxA/switzerland)
- [Chile](https://apptail.io/app/arkflow-ZCxA/chile)
- [Colombia](https://apptail.io/app/arkflow-ZCxA/colombia)
- [Cyprus](https://apptail.io/app/arkflow-ZCxA/cyprus)
- [Czechia](https://apptail.io/app/arkflow-ZCxA/czechia)
- [Germany](https://apptail.io/app/arkflow-ZCxA/germany)
- [Denmark](https://apptail.io/app/arkflow-ZCxA/denmark)
- [Dominican Republic](https://apptail.io/app/arkflow-ZCxA/dominican-republic)
- [Algeria](https://apptail.io/app/arkflow-ZCxA/algeria)
- [Ecuador](https://apptail.io/app/arkflow-ZCxA/ecuador)
- [Estonia](https://apptail.io/app/arkflow-ZCxA/estonia)
- [Egypt](https://apptail.io/app/arkflow-ZCxA/egypt)
- [Spain](https://apptail.io/app/arkflow-ZCxA/spain)
- [Finland](https://apptail.io/app/arkflow-ZCxA/finland)
- [France](https://apptail.io/app/arkflow-ZCxA/france)
- [United Kingdom](https://apptail.io/app/arkflow-ZCxA/united-kingdom)
- [Grenada](https://apptail.io/app/arkflow-ZCxA/grenada)
- [Ghana](https://apptail.io/app/arkflow-ZCxA/ghana)
- [Greece](https://apptail.io/app/arkflow-ZCxA/greece)
- [Guyana](https://apptail.io/app/arkflow-ZCxA/guyana)
- [Honduras](https://apptail.io/app/arkflow-ZCxA/honduras)
- [Croatia](https://apptail.io/app/arkflow-ZCxA/croatia)
- [Hungary](https://apptail.io/app/arkflow-ZCxA/hungary)
- [Indonesia](https://apptail.io/app/arkflow-ZCxA/indonesia)
- [Ireland](https://apptail.io/app/arkflow-ZCxA/ireland)
- [Israel](https://apptail.io/app/arkflow-ZCxA/israel)
- [India](https://apptail.io/app/arkflow-ZCxA/india)
- [Iceland](https://apptail.io/app/arkflow-ZCxA/iceland)
- [Italy](https://apptail.io/app/arkflow-ZCxA/italy)
- [Jamaica](https://apptail.io/app/arkflow-ZCxA/jamaica)
- [Jordan](https://apptail.io/app/arkflow-ZCxA/jordan)
- [Japan](https://apptail.io/app/arkflow-ZCxA/japan)
- [Kenya](https://apptail.io/app/arkflow-ZCxA/kenya)
- [South Korea](https://apptail.io/app/arkflow-ZCxA/south-korea)
- [Kuwait](https://apptail.io/app/arkflow-ZCxA/kuwait)
- [Cayman Islands](https://apptail.io/app/arkflow-ZCxA/cayman-islands)
- [Kazakhstan](https://apptail.io/app/arkflow-ZCxA/kazakhstan)
- [Lebanon](https://apptail.io/app/arkflow-ZCxA/lebanon)
- [Sri Lanka](https://apptail.io/app/arkflow-ZCxA/sri-lanka)
- [Lithuania](https://apptail.io/app/arkflow-ZCxA/lithuania)
- [Luxembourg](https://apptail.io/app/arkflow-ZCxA/luxembourg)
- [Latvia](https://apptail.io/app/arkflow-ZCxA/latvia)
- [North Macedonia](https://apptail.io/app/arkflow-ZCxA/north-macedonia)
- [Mali](https://apptail.io/app/arkflow-ZCxA/mali)
- [Macao SAR China](https://apptail.io/app/arkflow-ZCxA/macau)
- [Malta](https://apptail.io/app/arkflow-ZCxA/malta)
- [Mauritius](https://apptail.io/app/arkflow-ZCxA/mauritius)
- [Mexico](https://apptail.io/app/arkflow-ZCxA/mexico)
- [Malaysia](https://apptail.io/app/arkflow-ZCxA/malaysia)
- [Namibia](https://apptail.io/app/arkflow-ZCxA/namibia)
- [Nigeria](https://apptail.io/app/arkflow-ZCxA/nigeria)
- [Nicaragua](https://apptail.io/app/arkflow-ZCxA/nicaragua)
- [Netherlands](https://apptail.io/app/arkflow-ZCxA/netherlands)
- [Norway](https://apptail.io/app/arkflow-ZCxA/norway)
- [New Zealand](https://apptail.io/app/arkflow-ZCxA/new-zealand)
- [Oman](https://apptail.io/app/arkflow-ZCxA/oman)
- [Panama](https://apptail.io/app/arkflow-ZCxA/panama)
- [Peru](https://apptail.io/app/arkflow-ZCxA/peru)
- [Philippines](https://apptail.io/app/arkflow-ZCxA/philippines)
- [Pakistan](https://apptail.io/app/arkflow-ZCxA/pakistan)
- [Poland](https://apptail.io/app/arkflow-ZCxA/poland)
- [Portugal](https://apptail.io/app/arkflow-ZCxA/portugal)
- [Paraguay](https://apptail.io/app/arkflow-ZCxA/paraguay)
- [Qatar](https://apptail.io/app/arkflow-ZCxA/qatar)
- [Saudi Arabia](https://apptail.io/app/arkflow-ZCxA/saudi-arabia)
- [Sweden](https://apptail.io/app/arkflow-ZCxA/sweden)
- [Singapore](https://apptail.io/app/arkflow-ZCxA/singapore)
- [Slovenia](https://apptail.io/app/arkflow-ZCxA/slovenia)
- [Slovakia](https://apptail.io/app/arkflow-ZCxA/slovakia)
- [Senegal](https://apptail.io/app/arkflow-ZCxA/senegal)
- [Suriname](https://apptail.io/app/arkflow-ZCxA/suriname)
- [Thailand](https://apptail.io/app/arkflow-ZCxA/thailand)
- [Taiwan](https://apptail.io/app/arkflow-ZCxA/taiwan)
- [Ukraine](https://apptail.io/app/arkflow-ZCxA/ukraine)
- [Uganda](https://apptail.io/app/arkflow-ZCxA/uganda)
- [Uruguay](https://apptail.io/app/arkflow-ZCxA/uruguay)
- [Uzbekistan](https://apptail.io/app/arkflow-ZCxA/uzbekistan)
- [Venezuela](https://apptail.io/app/arkflow-ZCxA/venezuela)
- [British Virgin Islands](https://apptail.io/app/arkflow-ZCxA/british-virgin-islands)
- [Vietnam](https://apptail.io/app/arkflow-ZCxA/vietnam)
- [United Arab Emirates](https://apptail.io/app/arkflow-ZCxA/united-arab-emirates)
- [South Africa](https://apptail.io/app/arkflow-ZCxA/south-africa)
- [Armenia](https://apptail.io/app/arkflow-ZCxA/armenia)
- [Angola](https://apptail.io/app/arkflow-ZCxA/angola)
- [Argentina](https://apptail.io/app/arkflow-ZCxA/argentina)

---

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