Welth

Welth is a smart finance tool for small and medium-sized businesses (SMEs) to track cash inflow and gain AI-driven insights. Welth delivers Personalized Smart AI loan recommendations.

Comment

Inspiration

Running a small business is hard. Many SMEs in Nigeria operate without real-time financial insights, relying on spreadsheets or guesswork to manage their cash flow. I saw a gap: no affordable, intelligent tool helping them understand their finances and grow sustainably. So I built Welth — a smart, AI-powered financial assistant for SMEs that feels like having a CFO in your pocket.

What it does

Welth helps SMEs track cash inflow and expenses, analyze financial patterns, and receive personalized loan recommendations powered by AI. Users can sync their bank accounts or upload PDF statements, and Welth instantly breaks down their financial health, highlights inefficiencies, and offers clear next steps. From budgeting insights to smart savings goals, it's finance made simple — no accounting degree required

How I built it

AI Integration: Gemini is the heart of this insights engine — I pass structured transaction data to Gemini models to generate tailored financial advice, spending summaries, interpret images when been scanned and growth suggestions in plain language. Frontend: Next.js App Router with TypeScript, styled using TailwindCSS and ShadCN UI for a polished, responsive experience.

Backend: PostgreSQL via Supabase for data persistence. Serverless functions are orchestrated using Inngest.

Cloud Storage: Firebase services used for file upload, storage and retrieval.

Authentication: Powered by Clerk with secure session handling and RBAC.

Rate Limiting: Managed via Arject to prevent abuse.

Deployment: Vercel for frontend + serverless deployment.

Challenges I ran into

Parsing diverse bank statements (PDFs) reliably was tougher than expected.

--> Managing prompt engineering for Gemini to keep responses both accurate and user-friendly took serious iteration.

--> Ensuring data privacy while handling sensitive financial data required careful encryption and access control setup.

Accomplishments that I'm proud of

--> Seamless Gemini integration that makes AI feel human and helpful — not robotic.

--> Built a working end-to-end product in record time with real-time insights and automated parsing.

--> Created a clean, intuitive UI that doesn't overwhelm users — even those with no finance background.

What we learned

--> AI is powerful, but context is everything — good prompts = good output.

--> SMEs don’t need more data; they need better, simpler interpretation of data.

--> Building serverless with Inngest + Vercel + Clerk + Gemini + Firebase is a game-changer for speed and scale.

What's next for Welth

We're gearing up to: --> Implement Loan Recommendation based on overall account transaction flow.

--> Add multi-user support for teams.

--> Integrate local payment platforms like Paystack and Moniepoint for deeper insights.

--> Launch a mobile app with offline-first capabilities.

--> Expand our AI layer to include revenue projections and investment advice.

--> Scale services to other African Neighboring countries.

Our mission? Help 10,000+ Nigerian SMEs make smarter financial decisions with zero financial stress.

Built With

Share this project:

Updates