Spenzo is an AI-native personal finance system that goes far beyond conventional expense trackers. At its core, it is a unified natural language layer sitting across your entire financial life: from everyday chai purchases to live Ethereum wallet analytics: all accessible without leaving your preferred chat interface. Users interact with Spenzo natively through WhatsApp and Claude Desktop: just type or say what you spent, and Spenzo intelligently categorizes, logs, and stores the data. More powerfully, it bridges the gap between Web2 and Web3 finance by connecting directly to real blockchain RPCs (Alchemy for Ethereum, Helius for Solana) to give you live wallet balances, gas burn analysis, staking yield reports, and even 1-click DEX swap execution: all through a single conversational interface.

Architecture

Key Features

Natural Language Expense Logging: Text expenses conversationally ("Spent ₹150 on chai") and Spenzo auto-classifies the category, date, and amount, then upserts the record to the database.
Receipt Vision (OCR): Send a photo of any bill or receipt on WhatsApp; GPT-4o Vision extracts the merchant, total, and date automatically and logs it for you.
Smart Bill Splitting: Handles "we split dinner 3 ways" logic, calculates your exact share, and logs it correctly.
Deep Search & Analytics: Query past expenses by keyword, date range, or category ("Did I buy coffee last month?") with natural language.
Ledger Management: Edit or delete past entries conversationally, e.g., "That Uber was ₹500, not ₹450."
Real-Time Spending Dashboard: A mobile-optimized React dashboard with spending charts, category pie charts, and full transaction history synced via Supabase real-time listeners.
Live Crypto Price Tracker: Fetch live USD/INR prices via CoinGecko inside chat for accurate crypto expense logging.
Auto-Ledger : Log who owes you money conversationally. Spenzo maintains an isolated "Receivables" table in the database.
1-Click UPI Payment Generator: Automatically constructs upi://pay deep-link payloads and QR codes for instant debt collection without ever exposing banking credentials.
Live Crypto Net Worth: Connect an ETH or Solana public wallet address; Spenzo pulls real-time token balances from Alchemy/Helius RPCs and calculates fiat net worth.
DEX Swap Simulator & Executor: Hits the Jupiter v6 Quote API for live routing/slippage data, then generates a non-custodial 1-click swap link: all without ever touching your private key.
Gas Burn Analyzer: Sweeps on-chain transaction history to compute the total ETH/SOL spent on network gas fees.
Cross-Platform Sync via OTP: Link your WhatsApp session to your Claude Desktop session securely using a Twilio-issued one-time password, unifying all financial data across devices.
Claude Desktop MCP Integration: Spenzo is a fully compliant Model Context Protocol (MCP) server, meaning it plugs natively into Claude Desktop as a financial tool palette with 11 registered tools. No secondary apps or UIs needed.

Why I built this

Personal finance tools today fall into two extremes, either simple but unintelligent or powerful but complex and locked behind paywalls. While experimenting with Model Context Protocol, I realized there was a better way: a finance experience where the interface is just conversation. No apps, no forms, just chat. By building it on WhatsApp, where people already are, logging something like ‘spent 200 on lunch’ becomes effortless. The goal is simple: bring together both crypto and traditional finances into one place, so you can see your complete net worth in a single query.