Understanding weFi

The five tabs

weFi has five tabs, each with a specific job:

• Home — where you stand today. Your current position, at a glance.

• Where you stand — the deeper view. What's changed, what's on track, what's not.

• Plan — what's coming, what needs to line up.

• To do — the specific actions you need to take this week.

• Money Moves — the moves weFi suggests based on what it sees in your accounts.

Move between them from the bottom nav.

How weFi decides what to tell me

weFi reads your linked accounts, works out what matters today — an upcoming bill, a card that's underused, a chance to move money — and surfaces the specific move, with the timing.

It only points at things it can see in your data. Nothing is generic; nothing is guessed. If weFi doesn't have enough data yet to make a call, it says so.

What are Money Moves?

Money Moves are the specific actions weFi suggests based on what it sees in your accounts.

Every Money Move includes:

• What — the action (pay this card by this date, move this amount here, cancel this subscription).

• Why — what weFi noticed that triggered the suggestion.

• When — the timing that makes it count.

You decide what to act on. weFi doesn't move money for you.

What are Kudos?

Kudos are recognition for good money habits. Each month you stay on track for one of four habits — Savings growth, Cushion, Spending control, Debt control — you earn a Kudo for that habit.

Kudos are free for every user. They count for life, never decrease, and are not tied to any dollar amount — they recognize the behavior, not the value.

Kudos have no effect on your credit score, are not visible to lenders, and don't affect approval odds anywhere.

Using the Concierge

The Concierge is where you ask questions in plain English — "How am I doing this month?", "What should I focus on today?", "Can I afford this?" — and get a specific answer, grounded in your accounts.

Tap the Concierge input at the top of your Home tab, type your question, and send.

Colors: teal vs. amber

weFi uses two colors to signal certainty:

• Teal — a fact. Something that has cleared and settled in your account.

• Amber — a forecast, including "on track." A prediction based on your current path, not a guarantee.

A forecast never wears the color of a fact. If a Kudo is showing amber, that means the month hasn't closed yet — it's still an in-progress prediction. Once the month closes and transactions settle, it becomes teal (or "Missed" if you didn't clear the habit).