What a wealth tracker actually is
Not a budgeting app. Not a brokerage.
A budgeting app watches money move. It buckets transactions, flags when a category runs hot, and tells you where last month went. That is cash flow, the income statement of your financial life. Useful, but it says almost nothing about what you are worth.
A brokerage shows the assets it custodies and nothing else. It is honest about the accounts living inside it and silent about the flat you own, the wallet you hold, the stake in a private company, the gold in a vault. The dashboard looks complete right up until you remember everything it can't see.
A wealth tracker is the balance sheet. It values every asset class across every institution, nets out what you owe, and follows the total over time. That is the job wlthy is built for: one ledger, 9 asset classes, 13 reading currencies, a daily snapshot of the whole picture, and a verified statement when you need to prove it.