Built by people who live with
accounts in two countries
Wälo is a personal finance app built from the perspective of Hispanic households in the United States: income in dollars, debts in pesos, kids asking in Spanish, parents asking in English, tax filing every April.
Founder
Marco Alfaro
Costa Rica · 12+ years in software · building Wälo since 2026.
"I started Wälo because no finance app understood my situation: I get paid in USD, spend in CRC, my family needs access to some accounts but not others, and at tax time I have to reconcile two systems."
"After trying Mint (RIP), Monarch, Copilot, YNAB and BlueCoins, I came to a simple conclusion: US apps are brilliant but monolingual and monocurrency. LatAm apps are bilingual but shallow on debts and investments."
"Wälo tries to be both. If that problem sounds familiar to you, this is for you."
Truly bilingual
Not Google Translate. Native UI in English, Spanish, and Portuguese — auto-detected from your browser. Built for bilingual families from day 1.
Privacy by default
Your data is yours. Zero data sales, zero ads, zero ad-based profiling. Business model: $5.99/month and nothing else.
Built in public
Public roadmap. Direct feedback to the founder. Decisions discussed on Twitter before shipping. No faceless corporation.
Deep, not wide
Better to have 8 brilliant features than 30 mediocre ones. Retirement planner, fee analyzer, debt optimizer — each one built as if it were the main app.
Where we are
Questions? Feedback? Want to be among the first?
hello@walomoney.com