Take Control of
Your Money
Before It
Controls You
The premium neo-banking experience designed to build financial discipline. Track, save, and grow your wealth with intelligent automation.
Your Personal Financial Guardian
Powerful tools designed specifically for students to build lasting wealth and discipline without the complexity.
Premium Analytics
Understand your spending patterns with beautiful, easy-to-read charts that help you make better decisions instantly.
AI Assistant
Get personalized advice based on your unique habits.
Your food spending increased 18% this week. Consider cooking at home to stay on budget.
Strict Daily Limits
Lock your funds to prevent impulse buying and stay on track.
Emergency Fund Auto-Sweep
Automatically move spare change or a percentage of deposits into a high-yield emergency vault.
How It Works
From zero to financially disciplined in four simple steps.
Download & Sign Up
Get the Guardian Wallet app and create your account in under 2 minutes. No paperwork, no waiting.
Set Your Goals
Tell us what you're saving for — emergency fund, gadget, or tuition. We'll help you get there.
Enable Discipline Mode
Lock daily spending limits and let the AI monitor your habits with gentle nudges when you overspend.
Watch Your Wealth Grow
Auto-sweep spare change into a high-yield vault and see your discipline score rise every week.
Everything You Need to Win with Money
No fluff, no hidden fees — just tools that actually work for students.
Instant Insights
Real-time spending breakdowns updated every transaction.
Bank-Level Security
256-bit encryption and biometric auth keep your money safe.
AI-Powered Nudges
Personalized advice that actually learns from your behavior.
Built for Students
Designed around student income cycles, allowances, and goals.
Works Offline
Track spending even without internet. Syncs when reconnected.
Weekly Reports
Clear, actionable summaries sent to your inbox every Monday.
Meet The Team Behind Guardian Wallet
Built by passionate innovators dedicated to helping students achieve financial freedom.
Muhamad Yusuf
Full Stuck Developer
King of King
Aldi Vebrianto
UI/UX Designer
Makelar Krian
Indra Nur Fauzi
Innovation Strategist
Pria Dermawan
Frequently Asked Questions
Got questions? We have answers.
Yes! The core features — spending tracking, daily limits, and basic analytics — are completely free. Premium AI features are available on our Pro plan.
Absolutely. We use 256-bit AES encryption, biometric authentication, and comply with OJK regulations for Indonesian fintech apps.
Yes. Guardian Wallet supports integration with major Indonesian banks including BCA, Mandiri, BRI, and BNI through secure open banking APIs.
Discipline Mode lets you set hard daily spending limits. Once you hit the limit, certain transaction categories get locked until midnight. You can customize which categories are locked.
Guardian Wallet is available on both the App Store and Google Play. We also have a web dashboard for desktop access.
The AI analyzes your spending patterns over time and surfaces personalized insights — like when a spending category spikes or when you're on track to miss a savings goal.