Case study
App · Finance · AI
Penni
Personal finance across currencies
- Type
- Web app
- Status
- Private beta
- Built with
- Next.js · PostgreSQL · Stripe
- AI
- Advisor on an AI API
Penni shows people who earn and spend in more than one currency what exchange really costs them, and gives them an advisor that knows their numbers. We built it and we run it.
What problem does Penni solve?
Anyone paid in one currency and spending in another loses money on every conversion, and ordinary budgeting apps never show it. Penni compares each conversion with the ECB mid-rate, so the cost of exchange is visible for the first time.
What did we build?
A calm, private finance app with payments and AI from day one.
- Exchange-loss tracking against ECB mid-rates
- An AI advisor that answers from the user’s own income, goals and currencies
- More than 30 currencies, with no bank login required
- Subscriptions on Stripe, data in PostgreSQL with row-level security
Where is it now?
In private beta, with a waitlist. We host it, update it and watch it ourselves.
Who is this relevant for?
Fintech founders and teams who need a production app with payments, private data and AI from the first release, not a prototype.
- 30+
- currencies
- 0
- bank logins needed
