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open-source-licenses

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/

LoanSphere is an open source specification for connected lending systems, providing a modular framework for defining, managing, and integrating loan programs. It enables lenders and financial organizations to configure qualification criteria, interest rates, repayment structures, workflows, documentation, and lending operations while maintaining control over their own policies and requirements. https://roxanneardary.com/loansphere/

LivingTrust Standard is an open source specification for independently established living trusts built around stable income, capital preservation, predictable distributions, standardized cost-of-living support, deterministic beneficiary succession, and generational continuity. https://roxanneardary.com/livingtrust-standard/

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/

JubileeLoan is a deterministic financing specification for refinancing school loans that have exceeded 15 years in repayment. It applies a one-time 1% interest charge to the total refinanced loan balance, preserves the borrower's existing monthly payment, and limits repayment to 10 years, with any remaining eligible balance permanently extinguished through a mandatory debt jubilee. https://roxanneardary.com/jubileeloan/

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/

TownIntel is an open-source platform that tracks rental registrations, landlord certifications, and census population discrepancies at the town level. It provides dashboards, analytics, and predictive insights to support transparency, compliance, and informed community decision-making. https://roxanneardary.com/townintel/

SignalTruth is an open-source, AGPL 3.0+ commercial real estate intelligence system that transforms fragmented public records into a structured, confidence-scored property graph. It integrates ownership history, market data, legal frameworks, and data completeness analysis into a unified, event-driven intelligence layer. Built for transparency and auditability, SignalTruth provides traceable, source-backed insights into real estate assets, their ownership structures, and regulatory context. https://roxanneardary.com/signaltruth

SignalParcel is an open-source platform that maps land ownership, operators, and licensing relationships using verified public records. It transforms fragmented data from government and regulatory sources into a structured, queryable graph that reveals how land is owned, operated, and managed across jurisdictions. https://roxanneardary.com/signalparcel/

RecordMesh is an open source, modular AI system designed to transform structured legal intent into jurisdiction-aware real property instruments and county-ready recording packets. It bridges the gap between state property law and fragmented county recording systems by generating validated deeds, life estates, and related instruments while assembling filing-ready documentation tailored to local recording requirements. https://roxanneardary.com/recordmesh/

PropIntel – Tracking Defaults, Forecasting Trends. Open-source, AI-driven platform mapping every U.S. property. Track ownership, notices of default, liens, foreclosures, and title history, with predictive analytics and full transparency from town to state. https://roxanneardary.com/propintel/

ParcelPlanner is an AGPL 3.0+ open-source property intelligence platform that helps users understand what can legally be built, modified, or developed on a parcel of land based on official government laws, zoning ordinances, and planning documents. It enables both property owners and buyers to analyze development opportunities, compare jurisdictions, and build income strategies grounded in verified legal data rather than assumptions or third-party interpretations. https://roxanneardary.com/parcelplanner/

NeighborhoodGraph is an open-source civic intelligence platform that transforms housing, land, infrastructure, and community data into an interactive knowledge graph. It enables users to explore properties, ownership networks, neighborhood trends, and public infrastructure through AI-powered analysis and digital twin visualization. By connecting fragmented public records and geospatial data into a unified system, NeighborhoodGraph helps communities, researchers, and governments better understand how places change over time and how those changes impact people’s lives. https://roxanneardary.com/neighborhood-graph/

MindLedger for Real Estate is a modular, self-hostable real estate operating system that unifies CRM, listings, marketing, analytics, compliance, accessibility, and AI automation into a single open-source platform. Built under the AGPL-3.0+ license, it is designed for continuous evolution through community contributions, strict legal compliance, and a dual-AI architecture that supports both public-facing user assistance and agent-side operational intelligence. https://roxanneardary.com/mindledger-for-real-estate/

Magistrate Title Services is an open-source, AGPL-3.0+ platform that modernizes real estate title and escrow processes using a hybrid blockchain architecture, AI-powered verification, and encrypted data systems. It combines public blockchain transparency with permissioned legal recordkeeping to improve security, reduce fraud, and increase trust in property transactions. https://roxanneardary.com/magistrate-title-services/

ListingStream is a modular, AGPL-3.0+ licensed visual commerce platform that uses AI to intelligently insert sponsored products into photographs while preserving the integrity of the original image. Built around mandatory human-in-the-loop approval, real-time legal compliance, explainable AI, immutable audit trails, and pixel-preserving rendering, ListingStream enables trusted, revenue-generating visual marketing for real estate and other industries through a flexible, compliance-first architecture. https://roxanneardary.com/listingstream/

LeaseTrack is an open-source AI platform for analyzing the U.S. rental market. It flags affordability gaps, detects corporate vs. individual ownership, monitors landlord licensing compliance, and provides interactive dashboards and AI-powered insights for researchers, policymakers, tenant advocates, and investors. https://roxanneardary.com/leasetrack/

HabitaSense is an open-source, AGPL-licensed housing market analysis platform that uses AI to evaluate listings, detect inflated pricing, identify appraisal irregularities, and provide transparent, data-driven insights for renters, buyers, and researchers. https://roxanneardary.com/habitasense/