The problem
Conventional personal finance apps assume a single currency, a single tax jurisdiction, and a single banking ecosystem. Expatriates have none of those. They juggle accounts in two or three countries, currencies that move daily against each other, and tax obligations in jurisdictions whose forms don't acknowledge the other ones exist.
Our approach
We built a consumer app organised around the way expatriates actually think about their money: by life-base, not by bank. Accounts roll up across currencies into a coherent net-worth view. Movements between jurisdictions are first-class events, not exceptions.
The product principle: the app should reflect the user's reality, not impose a single-country mental model on them.
What we shipped
- Cross-currency account aggregation with daily FX adjustment
- Multi-jurisdiction transaction categorisation
- Net-worth view across currencies and bases
- Live consumer product
Why it works
It speaks the language the user actually thinks in. For an audience the mainstream finance apps structurally underserve, that's the entire product.