F

financial-intelligence

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/

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/

DividenCity is an open-source platform that enables cities, states, and the federal government to implement a resource-backed Universal Basic Income (UBI) system. By automatically tracking revenue from public resources, industry use of public property, and government budget surpluses, DividenCity distributes fair, transparent dividends to verified citizens. The platform is modular, scalable, and citizen-focused, featuring customizable local/state payouts, educational dashboards, and public transparency tools. https://roxanneardary.com/dividencity/

Wealth Continuum is an AGPL-3.0+ licensed AI-powered research platform that helps users discover and evaluate private banks, credit unions, cooperatives, mutual institutions, employee-owned businesses, and other privately held organizations. By combining transparency scoring, ownership quality analysis, governance evaluation, AI-powered red flag detection, document intelligence, and generational wealth metrics, Wealth Continuum focuses on identifying institutions that demonstrate responsible stewardship of capital and long-term financial resilience. https://roxanneardary.com/wealth-continuum/

Vantor is a deterministic capital routing system that converts explicit user-defined financial intent into structured, rule-validated execution instructions. It uses AI solely as a natural language parser and enforces a strict no-withdrawal, no-inference architecture where all allocations, schedules, and transactions must be explicitly defined, validated, and executed through approved deposit-only financial rails. https://roxanneardary.com/vantor/

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/

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/

Orvian is an AI-driven personal financial operating system that organizes money into intelligent, rule-based envelopes layered over existing bank accounts. It automates allocation across spending, savings, goals, and tax obligations while maintaining a non-custodial, ledger-based architecture. With built-in goal tracking, time-locked financial structures, and a governed tax envelope system, Orvian turns income into a structured, transparent, and AI-optimized financial flow. https://roxanneardary.com/orvian/

OpenLeverage Lab is an open-source financial simulation engine that models margin borrowing, portfolio risk, and repayment dynamics under real-world uncertainty. It combines deterministic financial calculations with probabilistic stress testing, including Monte Carlo simulations and extreme market scenarios, to forecast leverage outcomes before capital is committed. Designed with a fully modular architecture, it enables transparent, reproducible, and extensible risk analysis for leveraged financial decision-making. https://roxanneardary.com/openleverage-lab/

Nest Intelligence is an open source AI-powered home affordability platform that helps individuals understand what they can truly afford before purchasing a home. By analyzing income, assets, expenses, transportation costs, local housing data, property taxes, utilities, and lifestyle factors, Nest Intelligence provides a complete financial picture for sustainable homeownership. Built with a modular AGPL-3.0+ architecture, it delivers transparent, privacy-focused affordability guidance without relying on credit score inquiries. https://roxanneardary.com/nest-intelligence/

LatticePay is an open-source, AGPL 3.0+ licensed payment infrastructure designed to enable secure, encrypted, and local-first commerce without surveillance or centralized control. It allows merchants and developers to accept and process payments through a modular, privacy-preserving protocol stack that supports offline operation, peer-to-peer networking, and pluggable payment rails. The system is built to ensure merchants retain full ownership of their transaction data while maintaining compatibility with modern financial systems. https://roxanneardary.com/latticepay/

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/

DealSignal is an AI-driven real estate investment specification designed to help investors identify, evaluate, and prioritize property flipping opportunities. It combines property analysis, market signals, cost estimates, profit projections, and investment criteria to support faster, more informed acquisition and renovation decisions. https://roxanneardary.com/dealsignal/

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/