Setting up Welfi is now a guided walkthrough — pick your currency, secure your data, add your first account and choose your categories, in that order, with nothing left half-finished. - Sign in with Google or Apple? You now choose your own encryption password, so you can unlock your data on the web and on any new device — not just the phone you signed up on. - Recovery codes are confirmed properly at setup, so you can't lose the only key to your data by tapping past a checkbox. - A new default category set that makes sense wherever you live, including income categories for salary, freelance work and dividends. - Adding your first transaction now guides you to create an account first, and transfers explain when you need a second one. - The dashboard insight shows something true about your own money, and opens the AI assistant when you tap it. - Clearer, honest handling when Welfi can't reach the server — it tells you instead of showing figures it isn't sure about. - Fixes: account names now display correctly in the transaction picker, and the Transactions summary reads Income / Expense / Net.