Budget hunters
Stretch grocery and retail spend by using value you already own before a debit card. See what is about to expire, then spend that balance first.
About Wallyo
The short version
Wallyo is a wallet for the gift cards, store credit, store cash, and claim codes you already own. It keeps them in one place, tells you what is on them, warns you before they expire, and shows a code that scans at the register.
It is on the App Store and Google Play. It is not a marketplace and not a bank. It does not sell cards or recover funds from a retailer.
Card numbers, PINs, and barcodes live in encrypted storage on the phone. They are not stored as readable text on our servers. While you are signed in, a sealed copy of the vault can sit on your account so a reinstall can restore it. We cannot open that copy.
Who it is for
People who already hold closed-loop value and want it ready at checkout. Families who Share one card across phones.
Gift cards in a drawer
Plastic and e-gifts that were forgotten. Photograph or scan them, keep balances in one list, and show the barcode at the register.
Merchant returns
A return card or store-credit slip is closed-loop value like any other card. Add it once and have the code ready the next time you walk into that shop.
Lost store-cash and claim codes
Receipt slips, email claim codes, and store cash are easy to lose. Photograph or type the number in so it is on the phone at checkout. Wallyo cannot recover funds a retailer will not honor.
Families who share a card
Share in person so a spouse or kid can carry the same card. A spend on either phone updates the shared balance. Send is the hand-off. The card leaves this vault.
Share is not email, AirDrop, or a .wallyo file. Both people sign in, stand together, and scan a Ready code. Sharing does not split the money. It is still one card. The FAQ covers Share, Send, install, and uninstall in full.
Why it exists
Somewhere around three billion dollars in gift card value goes unredeemed in the United States every year. Not because people do not want the money. It is because the card is in a drawer, or the balance is unknown, or it expired quietly, or it was left at home on the one day it would have been useful.
Every part of that is a record-keeping problem wearing a financial disguise. A wallet that actually remembers what you hold, what it is worth, and when it runs out solves most of it.
How it is built
Two decisions shape everything else.
Card numbers stay encrypted on the phone. Numbers, PINs, and barcodes are written to hardware-backed storage on the device. We cannot read them. While you are signed in, the phone can keep a sealed copy of the vault on your account. Sign in on a new phone or after a reinstall to restore the cards first. Photographs stay encrypted until you open them on a card, or finish restoring photos in Settings. You can also move a passphrase-sealed .wallyo file in person. We cannot read either copy.
Reading a card happens on the phone. When you photograph a card, the text recognition and barcode decoding run on the device using the operating system's own frameworks. Nothing extracted from a card is sent to us in a form we can read. A picture of a gift card is the card.
The privacy policy sets out exactly what is stored where, field by field, including the parts that do reach our servers.
Who builds it
Wallyo is made by Pivot Innovation, LLC. It is a small operation, small enough that the person reading your email is the person who wrote the code.
There is no advertising business behind this, no data brokerage, and no third party paying for access to what you hold. The product is the product.
Where it is going
The wallet, the sealed account copy, and the .wallyo backup are here because they are the parts people need when a phone is lost or replaced. Beyond that: automatic balance checks, cards in Apple Wallet and Google Wallet, and a browser extension that offers a gift card at online checkout.
Further out: buying gift cards and sending them, once we have the right partners. We would rather ship a small thing that works at a register than a large thing that works in a demo, so these arrive when they are genuinely ready.
Getting in touch
Email hello@wallyo.io. Questions, problems, a card that would not scan, or a merchant we should know about: all of it reaches a person.
Pivot Innovation, LLC
United States
For privacy requests and account deletion, see the privacy policy. Deleting your account can also be done inside the app, under Settings, then Delete account, and it takes effect immediately. Uninstalling the app is a separate step. It removes the cards on that phone. It does not close the account.