From spark to scalable solution
The journey from a simple idea to a revolutionary banking plugin that's moving personal finance forward.
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.
Roadmap & Milestones
Phase 1: Foundation
- ✓ Core concept development
- ✓ Non-custodial architecture design
- ✓ Initial prototype validation
- ✓ Demo website launch
Phase 2: Partnership
- • Banking partner acquisition
- • API integration development
- • Pilot program launch
- • User testing & feedback
Phase 3: Scale
- • Multi-bank deployment
- • Advanced features rollout
- • Investment & growth rounds
- • National market expansion
Our Principles
Security First
Non-custodial design ensures user control and trust
User-Centric
Every feature designed with user financial wellness in mind
Innovation
Pushing boundaries while maintaining simplicity
Looking Forward
Welby represents more than just a financial tool — it's a new paradigm for how technology can seamlessly integrate with daily life to create positive outcomes.
As we continue to develop and refine our approach, we remain committed to the principles that started this journey: security, simplicity, and user empowerment.