Making money tracking effortless for everyday Indonesians.
WalletYa is a personal finance app built for how people in Indonesia actually spend today — via QRIS, bank transfers, and mobile banking. Instead of typing every expense, you simply share receipts or screenshots, and WalletYa uses OCR + AI to extract your spending data automatically.
We are building a finance tool that feels light, private, and emotionally safe— no complex dashboards, no guilt, just gentle awareness and small, better decisions over time.
Background
Built for Indonesia’s digital payment reality.
Indonesia’s financial behavior has shifted: QRIS, bank transfers, and mobile banking dominate daily transactions. Digital payments are exploding, but personal money awareness hasn’t caught up yet.
Gen Z & Millennials drop-off
~70%
Want to manage finances but stop because manual tracking feels repetitive and tiring.
QRIS & digital payments
47M+
Daily QRIS transactions; most spending is already digital, but data stays siloed in banking apps.
Finance app momentum
222M
Finance app downloads in Indonesia in 2023 — a 22% YoY increase, showing strong appetite.
The Big Question
How do we make expense tracking effortless — not another chore?
People already screenshot transactions, share digital receipts, and live inside mobile banking apps. WalletYa adapts to those habits instead of forcing new ones: just share the receipt → we extract and categorize for you.
Friction in money tracking
Lower “friction score” means less effort to log a transaction.
Our Vision
The go-to personal finance app for effortless awareness.
Our vision is to become the default money companion for Indonesians — especially Gen Z & Millennials — who want simple automation, local context, and privacy over complexity and judgment-heavy tools.
Our Mission
- Remove friction from expense tracking through OCR and one-tap share flows from banking and e-wallet apps.
- Respect user privacy by default via local device storage and no-login design.
- Help users build a healthier relationship with money through gentle insights, not anxiety-inducing dashboards.
- Localize for Indonesian & SEA habits — QRIS, transfers, and everyday spending patterns across cities.
How WalletYa Works
From share-to-log, to insights — in just a few taps.
Share receipt or screenshot
From your banking app, e-wallet, or QRIS screen — use the native share sheet to send it to WalletYa.
AI reads & categorizes
OCR + GPT-based extraction pulls out date, amount, and category; everything is stored locally on your device.
See simple, honest insights
Track where your money goes without drowning in charts. Export anytime to CSV or your own spreadsheets.