Tesora
AI-powered personal finance: connect your banks, unify your wealth, get intelligent advice.
- Role
- Co-founder & CTO
- Status
- Live
- Site
- tesora.app
One place to see, understand and move your money.
One app — accounts, debts, investments, and an assistant that understands the full context.
Existing personal-finance products tend to live at two extremes: cold aggregators that only display numbers, or generic coaching apps with no real access to your situation.
Tesora was born to close that gap — a serious aggregator with an AI assistant that actually knows your wealth, your debts, and your investments, and can reason over them in real time.
Today Tesora is a company: in October 2026 four partners incorporated TESORA Patrimonio SL, with me leading the technical side as CTO, and we're bringing the app to the App Store and Google Play.
Web frontend on the App Router, grouped by context: auth, onboarding, the user app, and the advisor panel.
TanStack Query for server data and Zustand for global state, never mixing the two.
The same codebase packaged as a native iOS and Android app, with native social login.
Modular REST API mapping 1:1 to the functional spec: net worth, debt, savings, advisors, AI… With JWT, Swagger, and scheduled jobs.
Prisma 6 over ~50 models. Balances, bank tokens, and messages are encrypted with AES-256-GCM before they're stored.
WealthReader to connect banks, brokers, and crypto, with in-house transaction categorization.
In-house provider layer (Anthropic and OpenAI, swappable) with tool-calling over the user's real data. The model reasons, it never touches credentials.
MCP server with personal access tokens so each user can plug their wealth into their own AI client.
Backend error tracking and product analytics, with PostHog hosted in the EU region.
Secure account aggregation and unified net worth, with monthly history.
Smart expense analysis and automatic categorization.
Debt management with Avalanche and Snowball simulations.
Marketplace of certified financial advisors, with integrated billing.
Conversational AI assistant with contextual access to your data.
Savings planning with realistic scenarios and projections.
Dynamic Financial Health Score and proactive email alerts.
iOS and Android apps from the same codebase.
Three pieces: a Next.js frontend that also ships as a native app through Capacitor, a modular NestJS API on PostgreSQL, and a separate admin panel. Everything runs on our own VPS behind nginx, with the API under /api on the same domain. The AI assistant works through tools over the user's data and never sees banking credentials; sensitive data is encrypted before it's stored.
With Tesora I've learned to see my money in a completely different way: no longer just scattered balances, but how income, expenses, debts and investments relate in real time. And technically, I've internalized that useful AI isn't the biggest model — it's the one with the right context.
Links
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