SmartWalt - AI expense tracker & financial coach.

Hello Product Hunt, We are pleased to introduce the latest major release of SmartWalt, an AI-driven personal finance application engineered to make expense tracking entirely frictionless. Traditional budgeting tools often require tedious manual data entry or mandatory bank synchronization. SmartWalt provides a streamlined, privacy-first alternative. Core Platform Features: Instant AI Tracking: Log expenses in under 3 seconds via voice commands (e.g., "Lunch $12") or by utilizing the instant OCR receipt scanner. Walt AI Financial Coach: A conversational AI assistant that analyzes spending patterns, provides real-time budgeting guidance, and helps optimize financial goals. Zero Bank Linking: Built on a privacy-first architecture, SmartWalt never requests or stores bank credentials. All data is protected with enterprise-grade AWS encryption. What’s New in This Release: Upgraded Security Infrastructure: Implementation of Cloudflare Turnstile bot protection and hardware-backed credential storage. Advanced Referral Program: A new milestone-driven system allowing users to earn up to 3 months of premium access. Optimized User Experience: A refined profile interface, 60-second OTP cooldowns, and timezone-aware push notifications. SmartWalt is currently live on Android, with the iOS waitlist available on our website. We look forward to your feedback and are available to answer any questions regarding the application's features, AI capabilities, and underlying architecture.