MoneyFyi - Your AI CFO for Small Businesses

"Detect Problems Before They Hurt You"

📋 Overview

MoneyFyi is an AI-driven financial intelligence dashboard that analyzes uploaded bank statements, invoices, and UPI data to detect fraud, identify compliance risks, and predict cashflow issues for Indian SMEs.

The Problem

Small businesses in India lack financial awareness, leading to:

💸 Fraud losses from unauthorized transactions
📝 GST/TDS errors resulting in penalties
⏰ Late payments and cashflow shortages
✋ Manual transaction checks that miss critical issues

The Solution

An AI-powered multi-agent system that autonomously:

✅ Analyzes financial documents (OCR + NLP)
✅ Detects anomalies and fraud patterns
✅ Validates GST/TDS compliance
✅ Forecasts cashflow shortages
✅ Sends WhatsApp alerts in real-time

🎯 Target Users

Small & Medium Enterprises (SMEs)
Retail shops, traders, and distributors
Freelancers and service providers
Small company finance teams
Chartered Accountants (CA firms managing multiple clients)

✨ Key Features

🛡️ Fraud Detection

Suspicious transaction identification
Duplicate payment detection
Round-number transaction flagging
Weekend/holiday large withdrawal alerts
Invoice-payment mismatch detection

📊 Compliance Tracking

GST invoice validation
TDS deduction verification (10% for services)
Quarterly GST filing deadline tracking
GSTIN format validation
HSN/SAC code verification

💰 Cashflow Forecasting

30-90 day cashflow predictions
Seasonal pattern analysis
Pending invoice tracking
Recurring expense monitoring

📱 Smart Alerts

🔴 Critical: Suspected fraud (immediate)
🟠 High: Compliance deadline <3 days
🟡 Medium: Cashflow shortage forecast
🟢 Low: Weekly summary

📈 Vendor Risk Analysis

Risk scoring (0-100)
Payment pattern analysis
Transaction history tracking
Red flag identification

🏗️ System Architecture

┌─────────────────────────────────────────┐
│ 1. Upload Documents (Web/Mobile)        │
│ PDF, CSV, Images (Bank statements,      │
│ Invoices, UPI logs)                     │
└─────────────────────────────────────────┘
              ↓
┌─────────────────────────────────────────┐
│ 2. OCR & Data Extraction                │
│ PaddleOCR / OpenAI Vision               │
│ → Structured JSON                       │
└─────────────────────────────────────────┘
              ↓
┌─────────────────────────────────────────┐
│ 3. Multi-Agent Analysis                 │
│ • Doc Scan Agent                        │
│ • Anomaly Detection Agent               │
│ • Compliance Agent                      │
│ • Cashflow Forecasting Agent            │
│ • Insight Generation Agent              │
└─────────────────────────────────────────┘
              ↓
┌─────────────────────────────────────────┐
│ 4. Output & Alerts                      │
│ Dashboard + WhatsApp Notifications      │
└─────────────────────────────────────────┘

💻 Tech Stack

Frontend

Framework: Next.js 16 (App Router)
Language: TypeScript 5.0
Styling: Tailwind CSS v4 + shadcn/ui
Charts: Recharts
State Management: React Hooks
Icons: Lucide React
PWA: Service Worker + Manifest
Analytics: Vercel Analytics

Backend (Planned)

Framework: FastAPI (Python 3.11)
Task Queue: Redis + Celery
OCR: PaddleOCR / OpenAI Vision
AI/ML: scikit-learn, Prophet, LangChain
LLM: OpenAI GPT-4 / Claude

Database & Storage

Primary DB: Supabase (PostgreSQL)
File Storage: Supabase Storage (AES-256 encrypted)
Cache: Redis (Upstash)
Auth: Supabase Auth

Integrations

WhatsApp: Twilio API (planned)
Analytics: PostHog (planned)
Monitoring: Sentry (planned)

🚀 Getting Started

Prerequisites

Node.js 18+ installed
A Supabase account and project
npm, pnpm, or yarn

Installation

Clone the repository

git clone https://github.com/yourusername/moneyfyi.git
cd moneyfyi/Frontend

Install dependencies

npm install
# or
pnpm install
# or
yarn install

Set up environment variables

Create a .env.local file in the Frontend directory:
```
NEXT_PUBLIC_SUPABASE_URL=your_supabase_project_url
NEXT_PUBLIC_SUPABASE_ANON_KEY=your_supabase_anon_key
SUPABASE_SERVICE_ROLE_KEY=your_service_role_key
```
Get Supabase Credentials:
- Go to your Supabase Dashboard
- Select your project
- Go to Settings → API
- Copy the Project URL and anon/public key

Set up database schema

In Supabase Dashboard, go to SQL Editor and run the scripts in order:

Frontend/scripts/001_create_profiles.sql
Frontend/scripts/002_create_transactions.sql
Frontend/scripts/003_create_vendors.sql
Frontend/scripts/004_create_alerts.sql
Frontend/scripts/005_create_cashflow_forecasts.sql
Frontend/scripts/006_create_documents.sql

Run the development server
```
npm run dev
# or
pnpm dev
# or
yarn dev
```
Open your browser

Navigate to http://localhost:3000

📱 Demo & Screenshots

Landing Page

Dashboard with Alerts

📂 Project Structure

MoneyFyi/
├── Frontend/
│   ├── app/                    # Next.js App Router
│   │   ├── auth/              # Authentication pages
│   │   ├── dashboard/         # Main dashboard
│   │   ├── transactions/      # Transaction management
│   │   ├── reports/           # Reports generation
│   │   ├── upload/            # File upload interface
│   │   ├── settings/          # User settings
│   │   └── page.tsx           # Landing page
│   ├── components/            # Reusable components
│   │   ├── ui/               # shadcn/ui components
│   │   └── [feature-components]
│   ├── lib/                   # Utilities & helpers
│   │   ├── api/              # API client & mock data
│   │   ├── supabase/         # Supabase client
│   │   └── utils/            # Helper functions
│   ├── public/                # Static assets
│   ├── scripts/               # Database migration scripts
│   └── package.json
├── Docs/                      # Project documentation
│   └── MoneyFyi - Complete Project Blueprint.pdf
├── README.md
└── LICENSE

🎨 UI Design System

Color Palette

Primary Green: #0F8F6E (Trust, growth)
Accent Red: #FF4C4C (Alerts, critical)
Warning Orange: #FFA500 (Medium priority)
Success Green: #00C853 (Positive indicators)
Background: #FFFFFF (Clean, minimal)

Typography

Headings: Inter Bold, 24-32px
Body: Inter Regular, 14-16px
Numbers: SF Mono (monospaced)

📊 AI Agents (Implementation Roadmap)

1. Doc Scan Agent

Role: Extract structured data from unstructured documents
Technology: PaddleOCR, GPT-4/Claude, LangChain
Output: Structured JSON with transactions

2. Anomaly Detection Agent

Role: Identify suspicious patterns and fraud indicators
Models: Isolation Forest, DBSCAN clustering, Z-score analysis
Target: >85% Precision, >75% Recall, <10% False Positive Rate

3. Compliance Agent

Role: GST/TDS validation and compliance tracking
Checks: GST invoice validation, TDS verification, filing deadlines

4. Cashflow Forecasting Agent

Role: Predict future cash positions
Technology: Meta Prophet, Linear Regression
Forecast: 30-90 day projections

5. Insight Generation Agent

Role: Natural language summaries and recommendations
Technology: GPT-4/Claude with structured prompts

6. Alert & Notification Agent

Role: Real-time WhatsApp notifications
Integration: Twilio API

🔒 Security & Compliance

Data Privacy (DPDP Act 2023)

✅ Explicit user consent for data processing
✅ AES-256 encryption for sensitive data
✅ Right to erasure (data deletion API)
✅ Breach notification within 72 hours

RBI Guidelines

✅ TLS 1.2+ encrypted transmission
✅ Multi-factor authentication
✅ Audit logs for all data access
✅ No storage of bank credentials
✅ 15-minute session timeout

📈 Roadmap

Phase 1: MVP (Completed ✅)

Phase 2: AI Integration (In Progress 🚧)

Phase 3: Notifications & Alerts

WhatsApp integration via Twilio
Email notifications
Real-time alert system
Alert customization

Phase 4: Advanced Features

💰 Pricing (Post-Beta)

Tier	Price	Features
Free	₹0	10 docs/month, basic alerts
Starter	₹499/month	100 docs/month, WhatsApp alerts
Pro	₹1,499/month	Unlimited docs, API access, multi-user
Enterprise	Custom	White-label, on-premise, dedicated support

🤝 Contributing

We welcome contributions! Please see our Contributing Guidelines for details.

Fork the repository
Create your feature branch (git checkout -b feature/AmazingFeature)
Commit your changes (git commit -m 'Add some AmazingFeature')
Push to the branch (git push origin feature/AmazingFeature)
Open a Pull Request

📝 License

This project is licensed under the MIT License - see the LICENSE file for details.

👥 Team

Built with ❤️ for Indian SMEs

Team Carinae | MoneyFyi

📞 Contact & Support

Website: moneyfyi.com (coming soon)
Email: support@moneyfyi.com
Twitter: @moneyfyi
LinkedIn: MoneyFyi

🏆 Competitive Advantages

India-Specific: Built for GST/TDS compliance
WhatsApp-First: 500M+ WhatsApp users in India
No Bank Integration: Works with uploaded documents
Multi-Agent AI: More accurate than single-model systems
Privacy-Focused: AES-256 encryption, DPDP compliant
Affordable: Starting at ₹499/month vs enterprise solutions

📚 Documentation

🙏 Acknowledgments

Next.js - React Framework
Supabase - Backend Platform
shadcn/ui - UI Components
Vercel - Hosting Platform
Tailwind CSS - CSS Framework

MoneyFyi - Detect Problems Before They Hurt You

Made with ❤️ in India 🇮🇳

Name		Name	Last commit message	Last commit date
Latest commit History 11 Commits
Backend		Backend
Docs		Docs
Frontend		Frontend
__pycache__		__pycache__
tests		tests
.gitignore		.gitignore
CONTRIBUTING.md		CONTRIBUTING.md
LICENSE		LICENSE
README.md		README.md
sample_analysis_output.json		sample_analysis_output.json

License

Aspect022/MoneyFyi

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