P

personal-finance

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/

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/

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/

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/

BankDividend is an open source AI specification designed to help consumers find, compare, verify, and rank banking accounts based on actual financial benefit. It calculates interest, dividends, cashback, bonuses, and fees while prioritizing FDIC and NCUA-insured institutions and clearly flagging uninsured products and costly account requirements. https://roxanneardary.com/bankdividend/

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/

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/

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PiggyBank is a household financial appliance.