F

financial-intelligence

PrincipalPath is a deterministic mortgage refinancing specification designed to provide transparent, predictable financing for qualifying primary residences. It uses defined eligibility requirements, fixed interest calculations, affordable payment limits, and flexible principal repayment rules to create a clear path toward accelerated mortgage payoff. https://roxanneardary.com/principalpath/

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.

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/

United Care Fund is a cooperative healthcare funding framework that enables participating businesses to pool resources, reduce healthcare costs, and provide more affordable coverage for their employees. The specification combines cost intelligence, shared purchasing, benefit planning, claims administration, conservative fund management, and AI-assisted analysis to help businesses make healthcare more transparent, efficient, and sustainable without unnecessarily reducing appropriate care. https://roxanneardary.com/united-care-fund/

OrgBudget is a modular standard for organizational budgeting that enables departments to manage budgets independently while maintaining centralized reconciliation, transparent reporting, financial accountability, and organization-wide oversight. It supports AI-assisted planning, forecasting, analysis, and reporting while keeping financial decisions under human authority. https://roxanneardary.com/orgbudget/

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/

AuthTrace AI is an AGPL-3.0+ licensed provenance and licensing intelligence system that verifies authorship, tracks content lineage, and transforms human-created knowledge into structured, licensable digital assets. It provides a trust and economic layer for the open knowledge ecosystem, enabling transparent attribution, distribution, and monetization while preserving creator ownership and enforcing attribution integrity across all derived works. https://roxanneardary.com/authtrace-ai/

Nexa: Continuity Engine is a generational wealth operating system designed to structure, simulate, and govern long-term financial systems through programmable trust logic, multi-trust networks, and lifecycle-aware rules. It enables deterministic modeling of inheritance, asset growth, and governance across decades, transforming traditional estate planning into a structured, time-aware computational framework. https://roxanneardary.com/nexa/

CashOps is a modular AI personal finance optimization system designed to help users earn more from available cash without losing control of it. It intelligently evaluates cash allocation, liquidity, payment timing, prepayment opportunities, and risk-free or principal-protected yield while integrating Nexa, PrePayGuard, and Soluna Finance OS to support safer, more efficient financial operations. https://roxanneardary.com/cashops/

Tax Accountability System is a modular specification for transparent, government-controlled property tax recovery, delinquency, statutory redemption, foreclosure, tax forfeiture, and property disposition. It establishes public financial accountability, transparent property sales and expenses, and an equal township-wide distribution of eligible excess proceeds to primary homeowners. https://roxanneardary.com/tax-accountability-system/

MedFair is an AI-powered medical financial rights and obligation optimization specification designed to search every available avenue for reducing or resolving medical debt. It analyzes insurance coverage, billing errors, negotiated rates, financial assistance, charity care, government programs, legal protections, appeals, settlements, and repayment options to help determine the fairest and lowest-cost lawful resolution. https://roxanneardary.com/medfair/

PrePayGuard is an open source AI specification designed to help people keep payments on time while protecting their bank accounts from overdrafts and bounced checks. It monitors bills, statements, and payment deadlines, coordinates funding across authorized accounts, provides advance warnings, and keeps the human in control of financial decisions. https://roxanneardary.com/prepayguard/

ExitCompute is an open-source AI platform that combines macroeconomic signals, portfolio risk models, and tax-aware analysis to help retail investors plan a safe, optimized exit from the stock market. Built with transparent RIA-style principles, it provides scenario modeling, personalized exit pacing, and clear decision-support tools—all licensed under AGPL-3.0+ with required attribution. https://roxanneardary.com/exitcompute/

FiscalTruth is an open-source civic watchdog platform that provides full transparency into state and public spending. It aggregates budgets, contracts, and financial records into a unified system with AI-driven anomaly detection, interactive visualizations, and secure whistleblower reporting tools. Built under the AGPL 3.0+ license, it empowers citizens, journalists, and researchers to track public funds, uncover inefficiencies, and promote accountability in government spending. https://roxanneardary.com/fiscaltruth/

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/

Altius Capital OS is a modular financial operating system that transforms jurisdictional rules, tax codes, and custody constraints into a deterministic computation framework. It models capital allocation across banking, treasury, and brokerage systems while incorporating federal and state tax logic through a versioned rule-graph architecture. The system is designed to produce transparent, auditable, and constraint-compliant capital structures, enabling users to evaluate financial strategies as structured, reproducible outputs rather than subjective advice. https://roxanneardary.com/altius-capital-os/

EvolutionOS is a modular, multi-agent economic intelligence platform that evaluates industry viability, models macroeconomic and market conditions, and identifies alternative business opportunities across evolving global sectors. It transforms complex financial, geopolitical, and technological signals into structured, explainable decision support, helping organizations understand when to stay in an industry, when to pivot, and where future growth is likely to emerge. https://roxanneardary.com/evolutionos/

Municipal Resource Intelligence is an open source AI specification designed to help municipalities identify actionable savings, optimize public services, compare municipal and private service costs, evaluate personnel and compensation, and measure the economic impact of reforms. The system tracks verified savings, recalculates potential property-tax reductions, generates property-specific tax impact reports, and provides transparent, auditable data to support informed municipal decision-making. https://roxanneardary.com/municipal-resource-intelligence/

Econexus is an AI-driven modular incentive economy engine that transforms traditional pay-to-play systems into contribution-based ecosystems. It analyzes games and digital platforms, then redesigns their economic structures so that participation, engagement, and meaningful contributions are directly rewarded through configurable modules such as bounties, marketplaces, sponsor funding, and dynamic revenue sharing. https://roxanneardary.com/econexus/

LoyalCredit is an open source, relationship-based credit specification that rewards reliable repayment with progressively greater access to capital. Through its Credit Trust Ladder, borrowers can move from secured lending toward unsecured credit by demonstrating consistent payment performance, while late payments reduce trust and default permanently ends the lending relationship with that business. https://roxanneardary.com/loyalcredit/