The Core Principle

AI describes. Math computes.

Most finance apps blur the line between what an AI says and what it calculates. AryaWealth doesn't. Language models classify your question, extract parameters, and write the commentary — but every figure you act on comes from deterministic, auditable engines. The two paths never touch, and the whole exchange happens inside a local-only store on your device.

On your device · local-only store, no cloud mirror

You ask "How did my tech holdings do this quarter?"

splits to both — in parallel

AI · Describes

Language, never arithmetic

›Classifies what you're asking

›Extracts range-clamped parameters

›Writes plain-language commentary

›Suggests follow-up questions

Claude · GPT · Apple on-device · Local LLM

≠

Never
mix

Engines · Compute

Every number you act on

›Time- & money-weighted returns

›Deterministic projections, no random sampling

›Capital gains across 10 jurisdictions

›Mortgage amortisation & net worth

Pure functions · reproducible · auditable

composed into one answer

You read Your tech holdings rose 6.2% this quarter.

What crosses the boundary — only what you opt into, encrypted

Your provider keys

Keychain-only, device-direct over certificate-pinned HTTPS.

Encrypted shares

.wealthpackage · AES-256-GCM · nearby QR device sync, no server hop.

Market data & news

Provider-blind surface — your holdings stay home.

Because the maths is deterministic, the same scenario always returns the same result — and an AI can't introduce a wrong figure into the maths. It only describes what the engine computed.

Local-First Architecture

Three layers. One device. No server.

AryaWealth is built local-first. The app is organised into three layers — Features, Integrations, and Core — with dependencies that flow strictly one way: down to a Core that never reaches back up. Your data lives in a local-only store on the device, on-device AI handles what it can, and the only layer that ever touches the outside world is a tightly isolated Integrations layer.

flows down

FeaturesSwiftUI views & view models · coordinators

NetWorthArya · AI chatPerformanceResearch · FXReal EstateTaxReports · BriefingAnnotations

Integrationsprotocol-isolated — the only layer that touches the outside

SharesightSnapTradeSaxo BankAkahu · FinverseCSV importLocal LLM

Coremodels · services · AI · the dependency floor — no upward deps

ModelsServices · data planeAI · on-device surfacesValidation pipelineReference corpusKeychain

Local-only SwiftData store

Bank balances, property valuations, annotations, and pension data are protected at rest by iOS Data Protection — hardware-backed and derived from your device passcode.

The only way out: certificate-pinned HTTPS ·Apple App Attest ·Keychain-stored keys ·zero AryaWealth servers

There are no AryaWealth servers holding your portfolio. Outbound connections are limited to provider-isolated integrations — certificate-pinned, App Attest–gated, and authenticated with keys stored only in your Keychain.