Valyo — Unified wealth hub (discovery → prototype)

Role: Co-founder & Product Owner (discovery, PRD, IA/UX, front-end & design; light architecture). Partner handles back-end.

Status: Pre-PMF, prototype built; user discovery ongoing.

One-liner: A trust-first portfolio manager that aggregates any asset (even “weird” ones) and helps everyday users start simple DCA projects they’ll actually stick to.

1) Context & Problem

Existing tools feel powerful but brittle. We (and many users) hit broken connections, limited coverage, and opaque errors especially once the portfolio spans banks, brokers, crypto, private assets, or non-standard items.

Problem statement: How might we give users a reliable, transparent view of their total wealth and a gentle on-ramp to invest (e.g., DCA) without the complexity of pro tools?

2) Users & JTBD (early)

Starter investor (5–100k€) — When I look at my money, I want one accurate picture and a simple plan (DCA) so I finally start investing.
Diversifier — When I add non-standard assets (crypto, RSUs, private, even CS:GO skins), I want to model them with my own rules, not be blocked by integrations.
Busy professional — When something breaks, I want clear errors, freshness badges, and a manual override so I can trust the numbers.

Discovery so far: 1 wealth advisor, 3 high-portfolio holders, and dozen+ directional chats with mass-affluent peers.

3) Key insights (discovery synthesis)

Trust > features. People accept fewer charts if data is fresh, consistent, and explainable.
Abstraction beats coverage. Users want to define rules for odd assets; integrations should be a bonus, not a blocker.
Transparency by design. Show source, last refresh, confidence, and what we cannot know.
On-ramp to action. A guided DCA is enough for most; trading bells & whistles are noise.
Price sensibility. Hosted plan ok; many like a free self-host option if OSS.

4) Key impacts

Asset abstraction (rules engine): any asset = value + quantity + valuation rule (index price, custom API, manual formula).