Case study · FinTech
XplitX
Personal Finance & Shared-Expense SaaS
The brief
XplitX is a personal-finance and shared-expense SaaS built as a true multi-tenant platform: accounts with member invites, account-scoped data isolation enforced at the security-rules layer, and a staff operations console beside the product. Money is engineered, not approximated: an exact minor-unit ledger with stable participant identity, live FX rates behind multi-currency settle-up that never mixes currencies, and server-verified payment mutations. The workflow layer covers wallets and net worth, income and cash flow, a budget grid, savings goals, a debt planner, a bills calendar, CSV and Splitwise import, and receipt OCR that maps a scanned LatAm receipt straight into an itemized split. The product is fully bilingual (Spanish/English, ~1,170 localized strings), installs as an offline-capable PWA, meters AI features against plan credits, and currently runs as an invite-only beta while the paid-launch hardening program completes.
The problem
Personal-finance and shared-expense apps break in the details: currencies that do not reconcile, split math that quietly loses cents, and AI features that are trivial to abuse into a big bill.
Our approach
We built XplitX as a multi-tenant platform with account-scoped data, four split methods (exact, percentage, shares, itemized) on an exact minor-unit ledger with stable participant identity, live-FX multi-currency settle-up that never mixes currencies, and durable Firestore-backed rate limits so the metered AI proxy cannot be drained.
The outcome
The platform runs live in an invite-only beta, fully bilingual (ES/EN) and installable as an offline-capable PWA, with wallets and net worth, budgets, goals, a debt planner, receipt OCR scan-to-split, WhatsApp reminders, and plan-credited AI — the correctness-sensitive money paths proven to reconcile exactly, with zero drift in production parity audits.
What we built
Tech stack
Key metrics
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