WealthTech

WealthTech is the slice of fintech aimed at helping individuals manage money they already have — investing, budgeting, financial planning — rather than moving or borrowing it. Think Mint and YNAB for budgeting, Personal Capital for net-worth tracking, and robo-advisors for automated investing. The wedge is the same across the category: services that used to require a private banker or a spreadsheet become an app with a low minimum. It's a distinct category from payments or lending because the customer isn't transacting — they're observing and rebalancing.