Bluwhale, the decentralized intelligence network powering AI agents across blockchains, today announces the launch of a real-time financial scoring system designed to capture a holistic view of digital consumer financial health by integrating both traditional banking and digital asset data.
The new model addresses a widening gap between how younger consumers earn, save, and invest, and how traditional credit scoring systems evaluate them. Many rely on gig work, freelance income, stablecoins, and crypto income streams, which are often excluded from legacy credit models. As a result, millions remain classified as “thin file” despite being financially active.
According to a Gemini survey, 51% of Gen Z in the U.S. have owned digital assets compared to 35% of the general population.
“Gen Z isn’t just participating in the financial system—they’re reshaping it,” said Han Jin, CEO and founder of Bluwhale. “We wanted to build a tool that reflects the reality of their hybrid wealth—crypto, fiat, and everything in between—while also guiding them toward financial freedom in the background.”
The launch arrives at a time when blockchain-based financial activity and AI-powered analytics are reshaping global finance, marking the start of a new era in Web3 where individual data and identity ownership fuel disruption. This shift is redefining credit, risk, and personalization, with decentralized networks powering the next generation of artificial intelligence.
“If your digital money lives outside of a traditional bank account, it should still count toward your financial profile and health,” said Jin. “We’re closing the gap between how people live digitally and how the financial system measures them.”
Addressing Modern Credit Invisibility
Like FICO’s recent inclusion of buy-now-pay-later (BNPL) data, Bluwhale expands visibility by integrating alternative income, stablecoins, and digital asset data. Its approach enables lenders, fintechs, and institutions to evaluate modern financial activity without overhauling legacy infrastructure. By putting individuals in control of their own financial data, Bluwhale supports the Web3 principle that identity is an asset class and that democratizing access to personal data can power more personalized, equitable AI systems and agents.
The Whale Score
Bluwhale’s financial score is an AI-powered metric ranging from 0 to 1000, updated in real time across five categories: financial, activity, assets, social, and trends. By aggregating data from banks, gig economy platforms, stablecoins, and digital asset wallets, it provides both consumers and institutions with a unified and actionable view of financial health.
For consumers, the platform offers AI-guided clarity, benchmarking, and tailored recommendations to improve financial standing, combining practical guidance with gamified engagement to make progress measurable. For lenders and fintechs, it delivers a standardized metric that includes crypto, staking income, tokenized assets, stablecoins, and alternative earnings, enabling more accurate risk assessment and market inclusion.
Product Overview
- Unified Dashboard: Crypto and fiat in one place; no manual entry.
- Whale Score (0–1000): Like Whoop and Apple Health function for your personal health, the Whale Score provides advice and recommendations on how to grow and improve your financial health. The score is holistic metric spanning activity, digital and cash assets, social signals, and trend dynamics.
- Social Score (0–100): Quantifies engagement across connected profiles and communities.
- Gamified Benchmarking: Compare and share percentile rankings by age group, city, and profession.
- Dynamic Whale NFT: A living visualization of financial persona and percentile rank, designed for identity and expression.
“Bluwhale is not just a consumer financial health app—it’s an infrastructure for the next phase of AI-powered financial services,” Jin added. “By bridging blockchain and banking data, we can help create a decentralized, consumer-powered financial ecosystem that allows AI agents to deliver the most personalized services and offerings to everyone.”
Rollout and Availability
The platform is launching with an initial target audience of 3.5 million users. The free dashboard is available now, with premium subscription tiers and enterprise integrations in development. As more institutions recognize digital assets and stablecoins, Bluwhale aims to become the gold standard for a personalized, democratized, and decentralized AI-powered financial future.
About Bluwhale
Bluwhale is an AI-powered financial health platform that integrates traditional banking data, alternative income sources, and blockchain-based assets into a unified financial score. Built to modernize financial visibility for a generation underrepresented in legacy systems, Bluwhale bridges traditional and decentralized finance to enable better risk assessment, broader market inclusion, and more personalized financial services. For more information, visit www.bluwhale.com.
Media Contact
Erica Zeidenberg
erica@hottomato.net
