Wealthi AI

Wealthi AI is an AI-powered personal finance platform that connects to 12,000+ financial institutions, including major US banks like Chase and Bank of America, regional US banks, Canadian banks, and institutions across the UAE, UK, and Europe. The app combines spending tracking, budget management, net worth monitoring, and cryptocurrency portfolio tracking in one dashboard, with artificial intelligence automatically categorizing transactions and identifying savings opportunities. The platform is available on iOS, Android, and web browsers.

Bank, Brokerage, and Crypto Connections

Wealthi AI connects to 12,000+ banks across the US, Canada, UAE, UK, and Europe. Major US banks include Chase, Bank of America, Wells Fargo, Citi, and Capital One. Regional US banks include US Bank and others. Canadian users can connect to RBC, TD Bank, Scotiabank, BMO, and CIBC. UAE institutions include Emirates NBD, ADCB, FAB, Mashreq, RAK Bank, and Dubai Islamic Bank. All connections use secure authentication through OAuth 2.0, meaning your banking credentials are never shared with or stored by Wealthi AI. The bank handles authentication directly and grants permission for Wealthi AI to read your accounts in read-only mode.

Beyond traditional banks, Wealthi AI connects to 100+ cryptocurrency exchanges and digital wallets. Supported crypto platforms include Binance, Coinbase, Kraken, Bybit, OKX, KuCoin, Crypto.com, and Gemini for centralized exchanges. Hardware and self-hosted wallets include MetaMask, Phantom, Solflare, Ledger, Trust Wallet, Exodus, and Coinbase Wallet. Cryptocurrency balances and holdings sync with real-time prices from CoinGecko.

For investment accounts, the app integrates with 25+ brokerage firms: Fidelity, Charles Schwab, TD Ameritrade, E*TRADE, Robinhood, Webull, Interactive Brokers, and Alpaca. Stocks, ETFs, mutual funds, and other securities holdings appear in your net worth tracking with real-time prices.

All external connections are read-only; Wealthi AI cannot initiate transfers, trades, or any transactions on your behalf. The app retrieves your balances and transaction history from each institution.

Automatic Spending Tracking and Budgeting

Wealthi AI automatically categorizes transactions using artificial intelligence and merchant recognition. When a transaction arrives, the app identifies the merchant (Chase, Whole Foods, Shell, etc.) and assigns a spending category (groceries, gas, dining, utilities, entertainment, etc.). You can manually adjust any categorization if the app miscategorizes a transaction.

Smart Budgeting lets you set spending targets by category. The app displays your progress in real time, shows your spending history over the past 12 months for each budget, and sends alerts before you overspend. Spending pattern detection identifies unusual activity or unusually high-spend days.

The app includes subscription analysis, identifying recurring monthly or annual charges so you can review active subscriptions and cancel unwanted ones. You can search and filter transactions by date, amount, or merchant, and export transaction data to CSV format for analysis in a spreadsheet.

A natural language chat feature lets you ask questions about your spending in plain English, receiving personalized insights without navigating menus. The chat learns your spending patterns and can identify opportunities to optimize subscriptions or reduce spending.

Multi-Asset Net Worth Tracking

Wealthi AI tracks net worth across multiple asset classes and liability types. You can monitor bank account balances, investment accounts (stocks, mutual funds, ETFs), cryptocurrency holdings, real estate and property values, vehicle values, precious metals, and liabilities including mortgages, loans, and credit card balances.

The app calculates your total net worth as assets minus liabilities and displays it prominently on your dashboard. Historical net worth charts show your wealth trajectory over time, letting you see the impact of deposits, investments, and market movements.

Real-time price feeds update stock prices (from brokerages), cryptocurrency prices (from CoinGecko), and precious metals prices (from Metals.dev). Your net worth and portfolio values stay current throughout the day as markets and prices move. The dashboard provides a unified view of your entire financial picture in one place.

Multi-Currency and Global Reach

Wealthi AI displays all amounts in any of 150+ currencies with real-time foreign exchange rates. You can earn in AED, think in USD, and manage finances across multiple countries, with all your numbers showing in the currency you choose. The app supports 8 languages, making it accessible to users worldwide.

Data Security and Privacy

Wealthi AI encrypts all sensitive data using AES-256-GCM (Galois Counter Mode), the same military-grade encryption used by governments and financial institutions. Your banking credentials are never shared with or stored by Wealthi AI; banks authenticate you directly through OAuth 2.0 connections.

Passwords are hashed using bcrypt with salt, meaning the company cannot retrieve or view your original password. The app uses scrypt key derivation to add computational cost to password cracking, making brute-force attacks impractical even with powerful hardware.

Session authentication uses JWT tokens with HMAC-SHA256 signature verification and automatic token refresh. Each user's data is strictly isolated from all other users through enforced access controls; no cross-user data access is possible.

All data is encrypted at rest on Wealthi AI servers. Transaction history, account balances, spending habits, and portfolio composition are never shared with third-party analytics, advertisers, or data brokers. Wealthi AI states explicitly: "We will never sell, share, or monetize your personal financial data." The company adheres to PCI DSS security practices and uses secure OAuth 2.0 for open banking connections.

Who It Suits and Who It Does Not

Wealthi AI is for anyone holding accounts across multiple banks, investments, and cryptocurrencies who wants a unified dashboard and automatic transaction categorization. It suits international users earning and spending across multiple countries and currencies, or anyone maintaining accounts in the US, Canada, and UAE simultaneously. People managing complex financial lives with accounts scattered across different institutions find the aggregation feature invaluable.

The platform appeals strongly to cryptocurrency holders who want their crypto portfolio consolidated with traditional banking and investment accounts in one place, eliminating the need to flip between multiple apps to see net worth. It is also appropriate for anyone interested in tracking net worth across diverse asset types including real estate and precious metals, or for people who want subscription tracking and spending insights without manually categorizing hundreds of transactions month after month.

Wealthi AI may not suit everyone. If you hold accounts with smaller regional banks outside the supported list (particularly non-US, non-Canadian, non-UAE institutions), you may find limited connectivity. The platform is most complete for US users; international users outside Canada and the UAE have fewer banking options available.

Wealthi AI is free to start. The homepage displays "Get Started Free" and "Try Demo" with "No credit card required." The app does not publish specific pricing for paid tiers on the visible homepage, so upgrade pricing details would need to be reviewed after signing up or accessing the pricing section directly.