WALLET is a daily money coach that asks the user to make exactly one financial decision per morning. Connected to the user's bank via Plaid, it surfaces a single hyper-specific smart-move card each day — "Move $3,500 from your idle checking to HYSA, earn $13/mo," or "Cancel Adobe Stock, last opened 7 weeks ago." One tap to act, one tap to defer. No budgets, no categories, no charts. The home screen is one card and a running counter: "This month: +$1,184 saved · $58 earned."
The product thesis: most people aren't bad with money — they're busy. They know what they should do; they don't have 90 seconds to do it. WALLET compresses the decision into a morning reflex, like checking the weather. The running counter is the dopamine engine; the milestone badges ("I saved $1,034 with one tap a day") are screenshot-bait virality.
Revenue: $14/mo Premium plus high-margin affiliate income from HYSA, Roth, 529, and refi signups ($50–200 each), with B2B2C distribution through LiveGrow's existing employer wellness channel.
Risk: must remain a coach, not a financial advisor — strict regulatory framing on every card.
Status: prototype shipped at wallet.livegroweveryday.com — single-file, mobile-first, fully offline-functional demo with 7 days of pre-rendered cards tailored to Harnoor's actual financial patterns.
Files in this folder: press-release.md, journey.md, app.html, why-it-hooks.md, revenue-and-virality.md, this readme.