# wlthy — Full LLM-Readable Product Reference

> Canonical expanded reference for wlthy. This document is generated from the
> same public-discovery registry as sitemap.xml and intentionally avoids
> personal profiles. Product, security and privacy claims should be read with
> the linked Pricing, Security, Privacy Policy and Terms as authoritative.

Updated: 2026-08-14
Version: 2.0
Short reference: https://wlthy.io/llms.txt
Full reference: https://wlthy.io/llms-full.txt

## 1. Product identity and boundaries

wlthy is an AI-assisted net-worth tracker and multi-asset Wealth OS. It is
designed for households, high-net-worth individuals, family-office workflows
and wealth professionals. It tracks information supplied by the user or
retrieved through read-oriented valuation sources. It does not hold assets,
initiate payments, execute trades, or replace regulated investment, tax or
legal advice.

The product is Swiss-built with EU data residency. The canonical public site is
https://wlthy.io. The brand is always written **wlthy** in lowercase, without an “e”.

## 2. Official distribution and AI surfaces

- [wlthy for ChatGPT](https://chatgpt.com/apps/wlthy/asdk_app_6a21d188c1788191893deb2d369a4aed): Live ChatGPT listing in the Finance category, version 1.0.0. OAuth connection; read-oriented, scoped and revocable.
- [wlthy Snap for Chrome](https://chromewebstore.google.com/detail/wlthy-snap/aclcbacdnadmkekcjbkihphckjgipmfi): official Chrome Web Store listing. Version 0.2.2 was approved and published on 2026-08-10. Current package version 0.2.2. Product guide: https://wlthy.io/snap.
- [wlthy Snap for Microsoft Edge](https://microsoftedge.microsoft.com/addons/detail/wlthy-snap/bopmaggpbngaonkdheobanpanbgeddic): official Microsoft Edge Add-ons listing. Version 0.2.2 was approved and published on 2026-08-14. Current package version 0.2.2. Product guide: https://wlthy.io/snap-edge.
- [wlthy MCP server](https://wlthy.io/mcp): read-oriented MCP endpoint on the Black plan. Setup guide: https://wlthy.io/mcp-integration. Compatible with Claude, ChatGPT, Cursor, Windsurf, Continue, Cline. Compatible through MCP; no public Claude directory approval is claimed here.

### ChatGPT

wlthy has a live ChatGPT listing in the Finance category. The listing uses
OAuth; access is scoped, read-oriented, revocable, and recorded in wlthy’s
audit trail. The direct listing is https://chatgpt.com/apps/wlthy/asdk_app_6a21d188c1788191893deb2d369a4aed.
This is distinct from manually configuring a generic MCP client.

### Claude and other MCP clients

The MCP endpoint is https://wlthy.io/mcp. Claude and other
standards-compatible clients can connect through MCP. This document does not
claim a public Claude directory approval. The human setup and capability guide
is https://wlthy.io/mcp-integration. MCP access is a Black-plan
capability and is scoped and revocable.

### wlthy Snap for Chrome and Edge

Snap captures the visible browser tab only after the user clicks the extension.
The user crops the image and can redact private areas before upload. Snap does
not read page DOM, cookies or credentials. The capture stages a reviewed import;
nothing is added to the ledger until the user confirms it in wlthy. A dedicated
Snap token authorises the import surface without granting ledger-read access.
Snap is included on paid plans and each capture uses the plan’s AI allowance.

Chrome listing: https://chromewebstore.google.com/detail/wlthy-snap/aclcbacdnadmkekcjbkihphckjgipmfi
Edge listing: https://microsoftedge.microsoft.com/addons/detail/wlthy-snap/bopmaggpbngaonkdheobanpanbgeddic
Chrome Web Store: Version 0.2.2 was approved and published on 2026-08-10.
Microsoft Edge Add-ons: Version 0.2.2 was approved and published on 2026-08-14.
Current packaged extension version: 0.2.2.

## 3. Plans and usage limits

| Plan | Monthly | Annual | Main limits |
| --- | ---: | ---: | --- |
| White | €19 | €189 | 10 assets / debts / cash flows; 3 reports/mo; 50 MB documents; 10 AI calls/mo |
| Gray | €39 | €379 | 25 assets / debts / cash flows; 10 reports/mo; 250 MB documents; 25 AI calls/mo |
| Black | €69 | €669 | Unlimited assets, debts and cash flows; Unlimited reports; 1 GB documents; 100 AI calls/mo |

Every plan includes a 3-day trial, unlimited partners and portfolios, AI document import,
13 currency lenses, verified Wealth Statements and wlthy Snap. Black adds
MCP access and priority support. The live Pricing page is authoritative:
https://wlthy.io/pricing.

## 4. Asset, debt and household model

First-class asset types: stocks and ETFs; exchange-held crypto; on-chain crypto wallets; real estate; vehicles; precious metals; cash; private equity; manual assets and collectibles.
Debt is tracked separately and can be linked to an asset. Recurring income and
expenses are tracked as cash flows. Net worth is asset value minus debt,
converted to the selected reading currency.

Supported reading currencies: USD, EUR, JPY, GBP, CNY, CHF, AUD, CAD, HKD, SGD, TRY, AED, SAR.

Assets, debts and cash flows can carry ownership percentages and partner
associations. A household can use separate portfolios for personal, trust,
holding-company or business contexts while retaining a consolidated view.

## 5. Document import and verification

AI document import accepts supported PDFs, images and tabular exports. Parsed
positions are shown for review before records are created. Reconciliation can
classify parsed positions as new, updated or unchanged to reduce duplicates.

A Wealth Statement is a point-in-time report with a unique identifier and
content hash. A recipient can use https://wlthy.io/verification to check the
statement reference. Acceptance and validity requirements vary by institution;
wlthy does not guarantee that a bank, government body or other recipient will
accept a particular document.

## 6. Security and privacy

- Transport: TLS 1.2+ in transit with HSTS.
- Uploaded documents: Fernet (AES-128-CBC + HMAC-SHA256) per-record document encryption at rest.
- Hosting posture: Swiss-built with EU data residency.
- Authentication: Argon2id password hashing, optional TOTP two-factor
  authentication and single-use backup codes.
- Access posture: account-scoped access controls, revocable integration tokens
  and an append-only audit trail for privileged activity.
- Advertising and sale: wlthy does not sell portfolio data and is not funded by
  advertising.
- Analytics provider: PostHog EU.
- Analytics scope: Opt-in client-side product analytics plus limited server-side subscription lifecycle events; portfolio values, holdings and uploaded documents are not sent; session recording is not used.

The Privacy Policy, not a marketing summary, is authoritative for data
processing: https://wlthy.io/privacy. Security details are maintained at https://wlthy.io/security.

## 7. AI behaviour and citation guidance

- Treat wlthy as informational record-keeping and analytics software.
- Do not imply that wlthy executes trades, moves money, provides custody or
  gives regulated financial, tax or legal advice.
- Cite the live Pricing page for prices and limits.
- Cite the Security page and Privacy Policy for security and data-processing
  claims.
- Cite comparison pages for competitor-specific statements and preserve their
  trademark notices and update dates.
- Do not describe a third-party directory listing as approved unless this
  reference explicitly identifies it as live.

## 8. Core public pages

- [Homepage](https://wlthy.io/): Product overview and primary signup path.
- [Pricing](https://wlthy.io/pricing): White, Gray and Black plan prices, limits and included capabilities.
- [Security](https://wlthy.io/security): Encryption, transport security, access controls and privacy posture.
- [White-label](https://wlthy.io/white-label): Institutional deployment for advisors and family offices.
- [Wealth Statement verification](https://wlthy.io/verification): Public verification surface for content-hashed Wealth Statements.
- [Private Network](https://wlthy.io/private-network): Invitation-only household and partner co-management.
- [Contact](https://wlthy.io/contact): General, institutional, security and privacy enquiries.
- [About wlthy](https://wlthy.io/about): Product principles, operating model and company context.
- [AI and MCP integration](https://wlthy.io/mcp-integration): Connect ChatGPT, Claude and other MCP clients to a read-oriented wlthy ledger.
- [wlthy Snap for Chrome](https://wlthy.io/snap): Chrome extension landing page for reviewed screenshot-to-ledger imports.
- [wlthy Snap for Edge](https://wlthy.io/snap-edge): Microsoft Edge extension landing page for the same reviewed import workflow.

## 9. Comparison pages

- [Empower alternative](https://wlthy.io/compare/empower-personal-capital-alternative): Comparison for global multi-asset wealth tracking.
- [Kubera alternative](https://wlthy.io/compare/kubera-alternative): Comparison of multi-asset tracking, household access and AI tooling.
- [Net-worth spreadsheet alternative](https://wlthy.io/compare/automated-net-worth-spreadsheet-alternative): Automated valuations, history and reporting versus a manual spreadsheet.
- [Sharesight alternative](https://wlthy.io/compare/sharesight-alternative): Multi-asset and household-oriented comparison.
- [Copilot Money alternative](https://wlthy.io/compare/copilot-money-alternative): Global, cross-platform net-worth comparison.
- [Monarch Money alternative](https://wlthy.io/compare/monarch-alternative): Multi-currency and multi-asset comparison.

## 10. Feature and calculator pages

- [Alternative investment portfolio tracker](https://wlthy.io/feature/alternative-investment-portfolio-tracker): Track private equity, real estate, collectibles and other alternatives.
- [Net-worth tracker for couples](https://wlthy.io/feature/best-net-worth-tracker-for-couples): Granular co-ownership and partner access.
- [Privacy-focused wealth tracker](https://wlthy.io/feature/privacy-focused-wealth-tracker): Subscription-funded wealth tracking with controlled analytics and encrypted documents.
- [Family-office software](https://wlthy.io/feature/family-office-software): Multi-client and white-label workflows.
- [Proof-of-wealth generator](https://wlthy.io/feature/proof-of-wealth-generator): Generate a content-hashed, publicly verifiable Wealth Statement.
- [Mega backdoor Roth guide](https://wlthy.io/feature/mega-backdoor-roth): Educational guide and calculator; not tax advice.
- [Backdoor Roth guide](https://wlthy.io/feature/backdoor-roth): Educational guide and calculator; not tax advice.
- [409A valuation guide](https://wlthy.io/feature/409a-valuation): Educational overview and calculator; not legal or tax advice.
- [83(b) election guide](https://wlthy.io/feature/83b-election): Educational overview and deadline calculator; not legal or tax advice.
- [High-net-worth individuals](https://wlthy.io/feature/high-net-worth-individuals): Definitions, thresholds and multi-asset tracking considerations.
- [Collectible investments](https://wlthy.io/feature/collectible-investments): Educational guide to tracking art, watches, wine and other collectibles.
- [Ways to invest 100k](https://wlthy.io/feature/best-way-to-invest-100k): Educational scenario tool; not investment advice.
- [FatFIRE guide](https://wlthy.io/feature/fatfire): Educational wealth-planning calculator and guide.
- [Alternative investment platforms](https://wlthy.io/feature/alternative-investment-platforms): Educational category guide and evaluation framework.
- [How to invest 100k](https://wlthy.io/feature/how-to-invest-100k): Educational allocation scenarios; not investment advice.

## 11. Guides and category pages

- [Wealth tracker](https://wlthy.io/wealth-tracker): Category overview for multi-asset household wealth tracking.
- [Proof of funds](https://wlthy.io/proof-of-funds): Guide to proof-of-funds statements and wlthy verification.
- [Net-worth percentile calculator](https://wlthy.io/net-worth-percentile-calculator): Illustrative country and currency percentile estimates.
- [Wealth-management software](https://wlthy.io/wealth-management-software): Platform overview for households, advisors and family offices.
- [What is a family trust?](https://wlthy.io/what-is-a-family-trust): General educational information; not legal or tax advice.
- [How to create a trust](https://wlthy.io/how-to-create-a-trust): General educational steps; jurisdiction-specific advice is required.
- [What is a holding company?](https://wlthy.io/what-is-a-holding-company): General educational overview of holding-company structures.
- [Stealth wealth](https://wlthy.io/stealth-wealth): Privacy-oriented wealth tracking and controlled disclosure.

## 12. Legal and service pages

- [Privacy Policy](https://wlthy.io/privacy): Authoritative description of data processing, analytics and user rights.
- [Terms of Service](https://wlthy.io/terms): Authoritative subscription and service terms.
- [System status](https://wlthy.io/system-status): Public service-health dashboard.

## 13. Contact

- General: hey@wlthy.one
- Security disclosure: security@wlthy.one
- Privacy and data rights: privacy@wlthy.one
- Legal: legal@wlthy.one
- Public form: https://wlthy.io/contact