From spark to scalable solution.
The journey from a simple idea to a revolutionary banking plugin advancing personal finance.
The Origin Story
Welby began as a simple idea: add a tip to each purchase to help pay down debt. What started as a personal finance hack evolved into something much bigger.
With a non-custodial design at its core, Welby transformed into a banking plugin that lets users create personalized rules for saving, investing, or debt reduction — all while maintaining complete control over their money and credentials.
The breakthrough came with the realization that Welby never needs to touch money or credentials. Instead, it simply communicates intent back to the bank, which executes everything securely and natively.
The Spark
“What if every purchase could automatically help me reach my financial goals?”
Our Vision
"Welby is moving personal banking forward — one swipe at a time.”
We envision a world where every financial transaction becomes an opportunity for progress, where technology empowers users without compromising security, and where banks can offer innovative features that truly benefit their customers.
Phase 1: Foundation
Core concept development
Non-custodial architecture design
Initial prototype validation
Demo website launch
Phase 2: Partnership
Establish banking partners
API integration development
Pilot program launch
User testing & feedback
Phase 3: Scale
Multi-bank deployment
Advanced features rollout
Investment & growth rounds
National market expansion