Bulsa

Personal Financial Wellness Companion

Coming soon

Your companion for money, whether you are starting out, finding your footing, or growing your wealth.

Bulsa is XieTech's first product, a Personal Financial Wellness Companion for Filipino realities, aligned with our 2027 launch on the company roadmap. It is not simply a budgeting app: Bulsa helps you understand, organize, and improve your financial life with tools and guidance that adapt to you.

Envelope budgeting is one powerful capability inside Bulsa, not the whole story. We plan to connect with major banks and e-wallets such as GCash, Maya, and BPI so activity can flow in and align with the budgets you set for each envelope, with less manual work over time.

Bulsa is modular by design: a marketplace-style experience where you choose what you need: tracking, insights, connections, and AI-guided support across life stages. You stay in full control of what you enable.

Capabilities below reflect our current roadmap direction and may evolve as partnerships, pilots, and user stories are validated.

What your companion includes

Personal Financial Wellness Companion
A single place to make sense of your money, with practical support whether you are beginning your financial journey, building stability, or focused on long-term growth.
AI guidance across life stages
Responsible, opt-in AI that meets you where you are, helping you build habits, understand trade-offs, and move toward your goals with clarity, not jargon.
Envelope-based budgeting
Allocate money across envelopes, see what is left in each category, and keep spending aligned with the plans you set, one of Bulsa's core money tools.
Bank & e-wallet connections
Planned integrations with major Philippine banks and e-wallets, including GCash, Maya, BPI, and similar institutions, so your companion can reflect real activity with less manual entry.
Automatic envelope tracking
As connections mature, transactions can be organized against your envelope allocations so you spend less time logging and more time deciding what matters.
Modular marketplace
Enable only the capabilities you want. Bulsa is not a one-size-fits-all bundle; you choose modules so your companion stays relevant to your goals.
Minimal, modular dashboard
A calm home screen with the data points you care about, customizable as your financial life and enabled modules grow.
Offline-first & guest mode
Core tools work without a network connection. Try Bulsa as a guest before sign-in, then sync when you are ready for backup and connected features.
Privacy & thoughtful alerts
Clear consent before sign-in and connected services, helpful threshold notifications with quiet hours, and settings designed around trust.

Product roadmap phases

Phases 1.0–1.1
Companion shell & CMS
Personal Financial Wellness Companion app shell with a configurable, modular dashboard, CMS-driven onboarding and legal content, and Bulsa's light-mode-first visual system.
Phases 2.0–4.0
Core money tools (envelopes)
Envelope budgets, transaction logging, local balances, expense matching, offline daily use, and async cloud sync, the foundation your companion builds on before deeper connections and automation.
Phases 5.0–7.0
Guest mode, sign up & login
Guest mode, SSO (Google, Apple, Facebook), guest-to-account upgrade with first-sync of local data, and secure token handling for connected services later.
Phases 8.0–14.0
Guidance, connections & control
Life-stage guidance and AI support with guardrails and consent, threshold notifications, onboarding and compliance content, and full account settings.
Modular marketplace capabilities and phased integrations with major banks and e-wallets (e.g. GCash, Maya, BPI) so your companion can track activity against envelope plans more seamlessly.

Join the waitlist

Be among the first to hear about Bulsa as your Personal Financial Wellness Companion: milestones, integrations, early access, and launch timing.