Getting Started with Guldza: Your Guide to Smarter Finance Management

Your finances, finally under control. Guldza gives you clarity over every coin — from scattered bank accounts to that cash in your wallet — with the Oracle as your personal financial guide. No spreadsheets. No guesswork. Just a clear view of where you stand and where you're headed.

Why Guldza?

• See everything in one place — Bank accounts, credit cards, loans, investments, cash. One treasury, one view. No more logging into five different apps to understand your money.
• Stop manual entry — Oracle Vision reads your bank statements (PDF or screenshot) and receipts automatically. Drop the file, review the transactions, confirm. Done.
• Know where your money goes — Automatic categorization and spending insights you can actually act on. Not just charts — answers.
• Track across currencies — Managing money in multiple countries? Guldza handles multi-currency natively. Your Thai baht and your euros, side by side.

Step 1: Create Your Account

Sign up for free with your email or social login. Your data is protected with industry-standard encryption from the start. A default Cash account is ready from day one — no setup required to begin tracking.

Step 2: Add Your Accounts

Build your treasury. Add every account that touches your money:

1. Bank Accounts — Checking, savings, fixed deposits
2. Credit Cards — Track balances, utilization, and payment due dates
3. Loans — Mortgages, personal loans, car financing
4. Investments — Monitor portfolio growth across brokerages
5. Cash — The money in your wallet counts too

Step 3: Import Your Transactions

This is where Oracle Vision earns its keep. Upload a bank statement PDF, snap a screenshot of your banking app, or photograph a receipt — Oracle Vision reads it, extracts every transaction, and auto-categorizes them.

It goes further: duplicate detection catches transactions you've already recorded, and receipt matching links your receipts to the correct statement entries. No manual typing. No reconciliation headaches.

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Tip: Import statements from multiple accounts and Oracle Vision will detect transfers between them — linking both sides automatically so your net worth stays accurate.

Step 4: Set Budgets and Goals

Take control of where your money flows:

• Covenant Chests (budgets) — Set spending limits by category. Get alerts before you overspend, not after.
• Voyages (savings goals) — Pick a target, set a timeline, track your progress. Whether it's an emergency fund or a trip to Reykjavik.

The Oracle — Your Financial Guide

The Oracle is the heart of Guldza. It knows your accounts, your transactions, your budgets, and your goals. Ask it anything:

"Can I afford this?" — Before any purchase, ask the Oracle. It weighs your income, upcoming expenses, budget limits, and savings goals. It tells you if now is the right time — or suggests when you can safely buy.

"Where did my money go?" — Get spending breakdowns by category, compare this month to last, and see six-month trends. The Oracle doesn't just show you data — it highlights what changed and why it matters.

"How am I doing?" — Your financial health score (0–100), budget forecasts, savings rate, and goal progress. One question, full picture.

Just tell it what to do — Say "Add $45 dinner at Thai Palace" and the Oracle creates the transaction in the right account with the right category. Create budgets and goals the same way — plain language, no forms.

Proactive insights — The Oracle watches your finances in the background and speaks up when it matters: overspending warnings, unusual transactions, credit card due dates, recurring payments you may have forgotten about.

What Makes It Fun

Finance doesn't have to feel like a chore. Earn Seidr tokens for daily logins and streaks. Climb the ranks from Thrall to Jarl. Unlock achievements for milestones like your first budget or your hundredth transaction. Complete challenges to push your financial habits further.

The rewards are real — spend Seidr tokens on Oracle features and premium imports.

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Start for free. Add your accounts. Let the Oracle handle the rest. Your treasury awaits.