The app allows users to track their spending and earning to create a financial profile, which is then used to set weekly financial and engagement goals. Users earn points for reaching these goals, which can be redeemed for cash, data, and other rewards. Additionally, the app provides access to financial products like deposit accounts and payments, helping to eliminate the barriers to banking for the unbanked and underbanked in emerging markets. Wala's blockchain-powered financial services platform aims to increase the accessibility of the financial system and help emerging market consumers reach financial prosperity.