Wälo
Features

Core Operations

  • Zero-Based Budget
  • Goals & Automatic Savings
  • Credit Card Management
  • Loans & Debt Control
  • Investment Portfolio

Ecosystem & Analytics

  • Big Data & Reports
  • Families & Sub-businesses
  • Multi-Currency Support
  • AI Bank Reconciliation
  • Liquidity Calendar

Security & Utilities

  • Data Sovereignty (Local)
  • Receipt Manager (OCR)
  • Tax Deductibility
  • Subscription Canceller
  • AI Logic Rules
Featured

Automatic Import

No direct bank sync. AI classifies your invoices straight from email.

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Native Multi-Currency FX Engine

Paid in Dollars, living in your local currency.

Ideal for digital nomads and contractors. Receive income in foreign currencies and invest worldwide; Wälo handles the fluctuation in a base currency.

Invisible Forex Engineering

  • Exchange Rate Ledger

    Set custom conversion rates for your transactions, or let the system profile and store them dynamically.

  • Universal Net Worth Filter

    Don't rack your brain figuring out how much money you have. The central dashboard consolidates all your Euros, Pounds and Pesos, showing a base total in Dollars.

  • Cross Transfers

    Move balance from your Paypal wallet (USD) to your Local Bank (COP) without losing the accounting of the conversion rate on the transaction expense.

Cross Borders
Global Net Worth (Consolidated)
$ 45,920.00 USD

Assets by Currency (Snapshot)

€

Savings in Europe

EUR to USD (1.09)

€ 15,000.00

~$ 16,350.00 USD

$

Wells Fargo USD

Base Currency

$ 25,000.00

~$ 25,000.00 USD

C$

Local Bank (Nica)

NIO to USD (36.80)

C$ 168,176.00

~$ 4,570.00 USD

Multi-Currency Wallet Manual

Manage global wallets in real time.

Step 1

Choose Your Base Currency

Your 'Base Currency' is the lens through which you measure your total net worth (e.g. USD). All accounting consolidations will be unified in it.

Step 2

Add Foreign Accounts

Create your savings account in MXN or EUR. When you spend from that account, record the amount in its native currency; don't do the conversion in your head.

Step 3

Live FX Tracking

When you view the Global Dashboard, the system contacts financial APIs to value your euros or Mexican pesos at today's exchange rate, showing you your real purchasing power in USD.