Wise4NRI sits above the banks, remittance providers and platforms a Non‑Resident Indian already uses. It reads both sides of your financial life and tells you what to do, when, and through whom.
New Zealand accounts connect through open banking — read-only, and no credentials are shared with us.
India accounts come in by statement or eCAS upload, parsed through the same checks as a live feed. We will never ask for a banking password.
Entered by hand as a first-class account, revalued against market prices where a price exists.
NRE/NRO and joint accounts are not carried by the RBI Account Aggregator network, and receiving that data needs a licence we are ineligible for by design. So India comes in by upload — through the same parsing, categorisation and provenance checks as a live feed.
Aggregators already exist in each country separately. The gap is cross‑border reasoning — and that is the whole product.
Accounts, balances, holdings and manual assets — normalised into one currency at one stated rate.
Rate versus its 30‑day mean, all‑in provider cost, timing. The alert arrives before you send, not after.
How the forecast works →Commitments, cash‑flow forecasts as ranges, goals with cross‑currency targets, and a copilot that answers in your own numbers.
How the forecast works →Days in India counted against the thresholds that matter, an obligation calendar carrying the provision behind each date, and an encrypted document vault. We count and remind; we never give a tax opinion.
Split‑portfolio view, currency exposure, a protection gap against a stated reference, and a vendor‑neutral marketplace when you need a product.
How the risk score works →
The ₹42,500 EMI lands on the 5th. The rate is under its 30‑day mean and you are NZ$2,350 in surplus. Wise4NRI puts those three facts together and names one action — then hands you off. We never touch the money.
Net worth across both countries, with a freshness label on every figure and the conversion rate stated once. Where a value cannot be computed you see an em‑dash and a reason — never an invented zero.
EMIs, school fees, premiums and the money you send your parents — with reminders timed to your pay cycle and forecasts given as ranges, not point predictions.
Ask it about your own figures — what you sent last quarter, what a commitment costs you a year, where your currency exposure sits. Two gates stand around the model, and neither of them is a prompt.
“Should I move my savings to India?” is classified and refused before a token is spent, and routed to the right kind of licensed adviser. Asking a model to police itself would put the thing being constrained in charge of the constraint.
Each currency amount and percentage in the answer must match a value the tools actually returned that turn. Unmatched, the answer is discarded and you see a refusal — and the rejected draft is never stored, because writing it down would put the invented figure in the database we just declined to show you.
That gate is not theoretical. On an early run a model answered a question about balances with a liability total it had added up itself — correct arithmetic, still a figure no tool had returned, and blocked. Its tools read the same records the pages read, so an answer here cannot quietly disagree with the number on your dashboard.
The product shows an em‑dash and a reason where it cannot compute a figure. The same rule applies here: this is the beta as it stands, not as it is planned.
Trust is the asset the whole model rests on, so the boundaries are product constraints, not a policy page.
There is no payment rail in the product. Every transfer ends at a handoff to the provider you chose.
A question asking what you should do is refused before the model is called, and a test fails the build if the risk score's wording contains “should”, “buy”, “sell” or “rebalance”.
A provider quote has no field for a referral fee, revenue share or partner tier, and the ranking module imports nothing that could supply one. The best provider wins whether or not it pays us.
The disclosure is corridor configuration and renders beside the recommendation itself — not in a footer, and not after the click.
The New Zealand ⇄ India beta is open. Other corridors follow one at a time.
Waiting on another corridor, or not ready today? Leave your address and we will write when it opens.
Read‑only connections. Revoke any of them in one tap.