LAYA Finance

LAYA is the AI-powered financial partner built for Filipinos who are ready to take control of their money. Track your income, expenses, debts, and net worth — all in one place. Chat with Juls, your personal AI financial advisor, who understands Philippine peso budgets, family remittances, and Filipino spending habits. KEY FEATURES: • Smart Dashboard — See your net worth, monthly cash flow, spending by category, and credit health at a glance. • AI Financial Advisor — Chat with Juls for personalized insights, spending reviews, and accountability. Supports 6 personality modes from professional to motivational. • Receipt Scanning — Snap a photo of any receipt and let AI auto-log the transaction for you. • Budget Tracking — Set monthly budgets by category and get alerts when you're approaching your limits. • Goal Setting — Save toward your goals with progress tracking and milestone celebrations. • Bill Reminders — Never miss a payment with smart notifications for upcoming bills and recurring expenses. • Family Support — Track remittances and family financial obligations. • Lending Tracker — Keep records of money lent and borrowed. • Secure by Design — Face ID lock, Sign in with Apple, auto-logout, and end-to-end CloudKit sync. • Export Reports — Download your financial data as CSV or professionally formatted PDF reports. • Voice Input — Talk to your financial advisor hands-free with speech recognition. • Spending Forecasts — AI-powered projections of your monthly spending trends. LAYA syncs securely across your devices using iCloud. Your financial data stays private — we never sell or share it with third parties. Designed by Filipinos, for Filipinos. Know exactly where every peso goes. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.laya.finance/privacy