Bluwhale gives Gen Z a complete financial score and AI guidance their banks can’t match
Gen Z tracks everything — steps, sleep, screen time — so why does personal finance still feel like a black box? Between side hustles, crypto income like staking rewards, Venmo paybacks, and multiple wallets, today’s money life looks nothing like a spreadsheet. Legacy finance hasn’t kept up, but Bluwhale has.
One Gen Z influencer with millions of followers learned this the hard way. Despite holding significant crypto, he was denied an apartment because traditional scoring saw only debt, forcing him to pay a year’s rent in advance. Bluwhale’s score provides a holistic view of finances, both crypto and fiat, so situations like that don’t happen.
Legacy finance apps felt clunky and out of step with how younger generations manage money. “If your money lives on-chain, it should count when you’re applying for a loan or trying to rent an apartment. But legacy finance isn’t designed to see that,” said Han Jin, Bluwhale’s CEO.
Bluwhale addresses that gap with an AI-powered, blockchain-enabled platform that merges crypto and fiat into a real-time financial score. It takes an Apple Health–style approach to Gen Z finances, with a scoring model unlike anything currently available. This score doesn’t just sit in the background for lenders. It lives in the hands of the user, giving them both actionable guidance and, if they want, social status signaling.
“Bluwhale is doing for Gen Z crypto users what FICO has been doing for Baby Boomers for decades, making modern money visible,” said Jin.
Why It Matters Now
Gen Z is shaping crypto markets in a way no previous generation has. According to Gemini, 51% of Gen Z globally owns crypto or has in the past, compared to just 35% of the general population. This is the first generation that comfortably earns, spends, and saves in crypto as part of everyday financial life.
Traditional financial systems, however, still rely on measures like credit card history and mortgage payments, leaving a large portion of this demographic classified as “thin file.” These are not high-risk users but individuals whose financial behavior simply doesn’t register in the legacy model.
FICO recently moved to include BNPL activity in its Score 10 models, reflecting one cultural shift. Bluwhale sees crypto as the next step in that same evolution. “If your money lives on-chain, it should count when you’re applying for a loan,” said Jin. That idea reframes crypto from a speculative asset to a recognized part of financial identity, aligning digital money with real-world access.
A Financial Dashboard Built for Digital-Native Money
At its core, Bluwhale is an aggregator, but one designed for an entirely different generation of users. The platform scans crypto wallets, fiat accounts, BNPL, and digital income sources, creating a single profile of financial health updated in real time. There’s no manual input or spreadsheet upkeep, just a clear view of how staking, trading, spending, and saving come together.
But the score is what changes things. It’s not just for self-improvement or social flexing; it makes modern financial behavior visible to systems that have traditionally ignored it. For Gen Z users who hold crypto, rely on side hustles, or use alternative credit products, the score becomes proof of financial health that can help unlock access to mortgages, car leases, and better lending terms.
Bluwhale also taps into the instinct to compare, using gamification to make financial health visible and even shareable, like any other part of life people track. The top 10% of stakers or digital income earners can share their placement if they want to, but behind that social element is something deeper: financial visibility that opens doors.
More Than Just a Score
The score is only part of the experience. Bluwhale functions as a financial advisor, powered by AI. It offers recommendations on how to improve your score, daily outlooks, diversify your portfolio, and optimize risk levels. For younger users with side hustles and self‑custodied assets, this guidance reaches beyond traditional personal finance tools.
Designed with sharing in mind, the platform is inherently social. Similar to how fitness apps like WHOOP or Strava enable users to track and share progress, Bluwhale lets people incorporate financial wellness into their digital identity. The result is a cultural fit that older financial tools have never achieved.
Bridging Digital and Traditional Finance
The bigger play may be on the institutional side. Bluwhale’s score doesn’t just help individuals—it translates crypto activity into something lenders, insurers, and fintech companies can use without reworking their systems. That makes users more visible, lenders more informed, and access to credit or financial services easier to obtain.
“We’re not building a spreadsheet. We’re building the OS for Gen Z’s financial life,” said Jin.
The company plans to launch with 3.5 million users on a freemium model, later adding premium subscription features that offer advanced wealth insights and deeper benchmarking and projection tools. It also aims to provide the power to unlock real-world opportunities with digital financial data, applying on‑chain and fiat insights to areas such as lending, insurance, and wealth management.
The “Flex Generation”
That kind of visibility is more than social signaling. It’s positioning for opportunity. Bluwhale turns modern financial activity into a measurable, shareable credential that could influence how employers, lenders, and even peers view financial readiness. For users, it’s a new way to own their financial narrative and see it recognized, on their terms.
