F

financial-intelligence

Ledger Watch is an open-source financial data infrastructure project that organizes publicly available market information—such as trades, SEC filings, corporate actions, and economic events—into a structured, verifiable system. It connects entities like individuals, companies, and institutions to market events through a transparent data model designed for analysis, research, and pattern discovery. The system emphasizes neutrality, reproducibility, and strict reliance on public, source-backed data rather than speculation or inferred intent. https://roxanneardary.com/ledgerwatch/

Universal Peg Framework (UPF) is an open-source, modular protocol that allows any cryptocurrency, stablecoin, or fiat-backed asset to be pegged to any reference asset such as BTC, USD, gold, or baskets of assets. It features fully embedded on-chain governance, dynamic peg maintenance, multi-asset collateral support, oracle integration, and treasury management. Designed to be secure, transparent, and cross-chain adaptable, UPF provides a universal framework for creating stable, self-regulating pegged assets while maintaining compliance and auditability for both crypto and fiat systems. https://roxanneardary.com/universalpegframework/

Shoebox+ is an open-source AI-powered platform designed to help users maximize the benefits of their Health Savings Accounts (HSAs). It combines receipt tracking, IRS compliance monitoring, investment optimization, and financial institution recommendations to ensure users make the most of their contributions while minimizing taxes. Shoebox+ empowers users to implement the “shoebox strategy”, letting HSA funds grow tax-free and be reimbursed at any time. https://roxanneardary.com/shoebox/

SignalCredit API is an open-source, consent-driven credit computation platform that replaces traditional credit reporting with real-time, explainable scoring. Instead of storing permanent credit files, it generates financial evaluations on demand using transparent, auditable models and user-authorized data access. Built with modern AI, zero-trust security, and fairness-focused design, the project aims to create a fully transparent financial trust layer where individuals control access to their data and every credit decision is mathematically explainable. https://roxanneardary.com/signalcreditapi/

FiniteTerm is a modular open source specification for deterministic financing across industries and products, designed to make financing transparent, predictable, and modelable. It provides a common framework for defining financing terms, affordability, payments, costs, asset lifecycles, insurance, portability, and settlement while allowing industry and product-specific modules to extend the system without changing the core. https://roxanneardary.com/finiteterm/

BalanceForward is an open source deterministic financing specification that helps businesses design sustainable debt-refinancing solutions based on a borrower's income, cost of living, repayment capacity, qualifying debt, and collateral. With a fixed 5% interest rate, maximum 50% collateral advance rate, and 20-year maximum term, BalanceForward provides a modular framework for predictable, transparent, and borrower-centered financing. https://roxanneardary.com/balanceforward/

CortexCFO is an AGPL-3.0+ locally hosted AI CFO platform that transforms historical financial data into future strategy. It provides businesses with private financial intelligence through expense forecasting, cash flow prediction, risk detection, and AI-powered recommendations while keeping sensitive financial data under the organization's control. https://roxanneardary.com/cortexcfo/

PulseNode is an open-source platform that gives every industry its own AI-driven persona, delivering real-time insights, innovation reports, and trend analysis. Each industry has a dedicated URL, customizable frontend, and unique voice, allowing users to experience industry intelligence as if the sector itself were speaking. Open-source and AGPL 3.0+ licensed, PulseNode empowers researchers, executives, and enthusiasts to stay informed, explore emerging trends, and make data-driven decisions. https://roxanneardary.com/pulsenode/

LoanRenew is an open source specification for deterministic refinancing with renewable capital, designed for a personally owned lending business. It combines transparent loan repayment, automated capital reinvestment, investor participation and dividend elections, mortgage and title services, public-record verification, tax reserve reconciliation, and comprehensive financial reporting into a modular architecture.

NextState is an open-source AI platform that empowers citizens to track, calculate, and optimize dividends from state-owned resources. Inspired by Alaska's Permanent Fund, it puts government profits back into the hands of residents, promoting transparency, equity, and informed decision-making. The platform provides personalized dashboards, AI-driven projections, migration and policy simulations, and comparisons between states based on dividends, education, healthcare, and cost of living. Advanced features include financial planning integration, predictive analytics, gamification, and sustainability metrics. https://roxanneardary.com/nextstate/

EquaWorld is an open-source AI desktop application that calculates the full lifecycle cost of any service or product—covering production, maintenance, repair, and replacement—and fairly distributes that cost per user. With AI-driven automation, geographic customization, predictive analytics, and optional public transparency dashboards, EquaWorld delivers a clear, equitable, and accountable cost-allocation system for organizations and consumers alike. Transparency. Accountability. EquaWorld. https://roxanneardary.com/equaworld/

DecisionAI is an open-source AI financial intelligence platform that simplifies investment disclosures, explains shareholder voting, and analyzes portfolio risk through trend, forecasting, and regulatory intelligence. It continuously tracks market data, innovation progress, and evolving laws to provide forward-looking insights about the foreseeable future. Built for transparency and explainability, it helps users make informed financial decisions with clear reasoning, scenario modeling, and up-to-date regulatory awareness. https://roxanneardary.com/decisionai/

OpenLabor Model is an open-source framework that standardizes complex compensation structures into measurable economic value. It converts wages, housing, land use, and other non-cash benefits into a single effective hourly rate, then compares it against legal minimum wage, tax impact, and regional cost of living. The project is designed to provide transparent, reproducible, and data-driven insight into the true value of work. https://roxanneardary.com/openlabor-model/

OpenCareerForecast is an AGPL 3.0+ open-source career intelligence platform that helps users discover the true cost of their career path by comparing education expenses, wages, cost-of-living data, debt obligations, and future labor market trends. The platform analyzes colleges, universities, trade schools, apprenticeships, military careers, certifications, and entrepreneurial pathways to determine long-term financial viability and forecast future career opportunities. https://roxanneardary.com/opencareerforecast/

FailureMap is an open-source AI venture intelligence platform that analyzes startups through a risk-first, evidence-based lens. Instead of focusing on hype or valuations, it identifies structural weaknesses, market vulnerabilities, and operational failure points using modular analysis engines. Built for transparency and extensibility, FailureMap helps developers, researchers, and analysts understand why companies fail before they scale. https://roxanneardary.com/failuremap/

Internal Credit is an AI-powered, modular financial platform that enables users to borrow against their own savings while continuing to earn returns on their deposited capital. Designed around self-collateralized lending, the platform allows account holders to access up to 70% of their account value, receive AI-guided financial insights, and preserve long-term wealth through a flexible, secure, and extensible banking architecture. https://roxanneardary.com/internal-credit/

Soluna Finance OS is an open-source financial operating system that abstracts insured deposits across multiple financial institutions into a unified, AI-orchestrated vault layer. It enables continuous identity verification, automated insurance-compliant allocation, and multi-agent financial decisioning to optimize for safety, liquidity, and yield. Designed as a protocol rather than a product, it provides a programmable foundation for coordinated, transparent, and resilient capital movement across modern financial networks. https://roxanneardary.com/soluna-finance-os/

LaunchCraft is an AI-powered system that transforms user skills into actionable home-based business opportunities by analyzing personal abilities, identifying real market gaps, and generating structured execution plans. It goes beyond idea generation by connecting skill sets to validated demand signals and guiding users through practical steps to launch, validate, and grow profitable ventures. https://roxanneardary.com/launchcraft/

TrustTip is a cross-platform, audit-grade tipping and attribution system that links every digital tip to its exact source content, reason, and structured financial record. It transforms informal online support into verifiable, exportable, and compliance-ready data for creators, supporters, and platforms, enabling transparent tracking of digital value across the internet. https://roxanneardary.com/trusttip/

Feedback Living Model (FLM) is a systemic intelligence framework that models markets and economies as evolving feedback organisms. It maps capital flows, structural dependencies, narratives, and behavioral agents into a unified simulation system to analyze how feedback loops generate cycles of expansion, instability, and collapse. Instead of forecasting outcomes, FLM explores how interconnected systems evolve under stress, revealing structural fragility and emergent market behavior. https://roxanneardary.com/feedback-living-model/