The Problem

In Spain, people manage their money in a fragmented way: accounts at different banks, savings in deposits, investments scattered across brokers, pension plans, and crypto. This fragmentation makes it impossible to have a unified view of your wealth, understand how it evolves, or know whether you are making real progress toward your goals. Banks only show transactions. Brokers only show isolated returns. Aggregators only show historical data. None of them connects your current wealth with a projection of your future wealth, and none integrates the goals that actually drive your decisions: buying a home, building an emergency fund, saving to travel, investing long-term.

The Solution

Walled unifies all your relevant assets — bank accounts, investments, real estate, crypto, debts — into a single space via open banking. From that complete, updated view, the platform analyzes your patterns, habits, and goals to generate personalized recommendations, action plans, and future wealth projections. You do not just see where you are today. You see where you are heading and exactly what to do to get there. Inspired by Monarch Money in the US, Walled adds something that does not exist yet in Spain: a social layer like Strava for personal finance, where users share goals, compare strategies, and motivate each other to stay consistent.

What I Built

• ·Unified wealth view: bank accounts, investments, real estate, crypto, and debts via open banking
• ·Personalized projections and action plans adapted to each user's goals
• ·Social layer: publish goals, compare strategies, join financial communities
• ·Three revenue streams: subscriptions at €8/month, marketplace lead gen, WScore-based commissions
• ·Competitive positioning against Fintonic, Monefy, and Wallet

Stack

Next.js, Supabase, TypeScript

What I Learned

Building in fintech means fighting regulation, user trust, and the cold start problem of a social network all at once. The hard part is not the product. It is getting the first thousand people to share their financial goals in public.