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uri chittycanon://docs/ops/policy/chittyfinance-charter
namespace chittycanon://docs/ops
type policy
version 2.0.0
status COMPATIBLE
registered_with chittycanon://core/services/canon
title ChittyFinance Charter
certifier chittycanon://core/services/chittycertify
visibility PUBLIC

ChittyFinance Charter

Classification

  • Canonical URI: chittycanon://core/services/chittyfinance
  • Tier: 3 (Service Layer)
  • Organization: CHITTYAPPS
  • Domain: finance.chitty.cc

Mission

ChittyFinance is a full-stack financial management platform for the ChittyOS ecosystem. It provides intelligent financial tracking, AI-powered advice (GPT-4o), recurring charge optimization, and integrations with Mercury Bank, Wave Accounting, and Stripe payments.

Scope

IS Responsible For

  • Financial dashboard with real-time summaries
  • Multi-tenant financial data management (IT CAN BE LLC entity structure)
  • Mercury Bank integration (via ChittyConnect)
  • Wave Accounting integration (OAuth 2.0 + GraphQL)
  • Stripe payment processing and webhooks
  • AI financial advice (OpenAI GPT-4o)
  • Recurring charge analysis and optimization
  • Property management (rent roll, leases)
  • Inter-company transaction tracking
  • GitHub integration for project cost attribution
  • Tenant-scoped financial data isolation

IS NOT Responsible For

  • Identity generation (ChittyID)
  • Token provisioning (ChittyAuth)
  • Service registration (ChittyRegister)
  • Evidence management (ChittyLedger)
  • Legal case management (ChittyCases)

Dual-Mode Operation

Standalone Mode (Local Development)

  • SQLite database
  • Single-tenant (no multi-tenancy)
  • Database file: ./chittyfinance.db

System Mode (Production)

  • PostgreSQL (Neon) with full multi-tenancy
  • IT CAN BE LLC entity structure
  • Cloudflare Workers deployment

IT CAN BE LLC Entity Structure

IT CAN BE LLC (holding)
├── JEAN ARLENE VENTURING LLC (personal, 85% owner)
├── ARIBIA LLC (series, 100% owned)
│   ├── ARIBIA LLC - MGMT (management)
│   │   ├── Chicago Furnished Condos (consumer brand)
│   │   └── Chitty Services (vendor/tech services)
│   ├── ARIBIA LLC - CITY STUDIO (property)
│   └── ARIBIA LLC - APT ARLENE (property)
└── ChittyCorp LLC (holding, pending formation)

Dependencies

Type Service Purpose
Upstream ChittyAuth Token validation
Upstream ChittyID Identity (planned)
Peer ChittyConnect Mercury Bank proxy
Peer ChittyChronicle Audit logging (planned)
External Mercury Bank Banking integration
External Wave Accounting Accounting integration
External Stripe Payment processing
External OpenAI AI financial advice
External GitHub Project cost attribution
Storage Neon PostgreSQL Database

API Contract

Base URL: https://finance.chitty.cc

Financial Data

Endpoint Method Purpose
/api/financial-summary GET Financial summary
/api/transactions GET Transaction list
/api/recurring-charges GET Recurring charges
/api/recurring-charges/:id/optimizations GET AI optimization

Integrations

Endpoint Method Purpose
/api/integrations/status GET Integration config status
/api/integrations/wave/authorize GET Wave OAuth flow
/api/integrations/stripe/connect POST Stripe customer
/api/integrations/stripe/webhook POST Stripe webhooks
/api/mercury/accounts GET Mercury accounts

AI Services

Endpoint Method Purpose
/api/ai/advice POST Financial advice
/api/ai/cost-reduction POST Cost reduction plan
/api/ai/message POST Conversational AI

Ownership

Role Owner
Service Owner ChittyOS
Technical Lead @chittyos-infrastructure
Contact finance@chitty.cc

Three Aspects (TY VY RY)

Source: chittycanon://gov/governance#three-aspects

Aspect Abbrev Question ChittyFinance Answer
Identity TY What IS it? Full-stack financial management platform — intelligent tracking, AI-powered advice, recurring charge optimization for the IT CAN BE LLC entity structure
Connectivity VY How does it ACT? Mercury Bank via ChittyConnect proxy; Wave Accounting OAuth 2.0 + GraphQL; Stripe payment processing + webhooks; OpenAI GPT-4o financial advice; dual-mode (standalone SQLite / system PostgreSQL multi-tenant)
Authority RY Where does it SIT? Tier 3 Service — authoritative for financial data aggregation and AI advice; delegates identity to ChittyID, banking connectivity to ChittyConnect, audit logging to ChittyChronicle

Document Triad

This charter is part of a synchronized documentation triad. Changes to shared fields must propagate.

Field Canonical Source Also In
Canonical URI CHARTER.md (Classification) CHITTY.md (blockquote)
Tier CHARTER.md (Classification) CHITTY.md (blockquote)
Domain CHARTER.md (Classification) CHITTY.md (blockquote), CLAUDE.md (header)
Endpoints CHARTER.md (API Contract) CHITTY.md (Endpoints table), CLAUDE.md (API section)
Dependencies CHARTER.md (Dependencies) CHITTY.md (Dependencies table), CLAUDE.md (Architecture)
Certification badge CHITTY.md (Certification) CHARTER.md frontmatter status

Related docs: CHITTY.md (badge/one-pager) | CLAUDE.md (developer guide)

Compliance

  • Service registered in ChittyRegistry (did:chitty:REG-XE6835, 2026-02-22)
  • Health endpoint operational at /health
  • CLAUDE.md development guide present
  • CHARTER.md present
  • CHITTY.md present
  • OAuth security (CSRF-protected state tokens)
  • Webhook signature verification (Stripe)
  • Multi-tenant data isolation

Charter Version: 2.0.0 | Last Updated: 2026-03-22