🌍 FinWise — AI Financial Coach for Emerging Markets

Maya speaks your language, knows your market, and is completely free — AI financial coaching for the 1.4 billion unbanked adults in emerging markets.

🌐 Live Demo

Try FinWise now → https://finwise-azure.vercel.app

No signup required. Click "Continue without account" to explore the full product instantly.

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The Problem

Amara is 32. She sells vegetables at a market stall in Lagos. Last month someone offered her a loan at "5% per week — very reasonable!" She almost accepted. That's 260% annual interest. She didn't know.

1.4 billion adults have no bank account. Without financial literacy:

• They pay 300%+ APR to loan sharks because they don't know alternatives exist
• They lose 6–10% of every remittance to fees 10× higher than necessary
• They can't build credit, access insurance, or start businesses safely

The Solution

FinWise is Maya — an AI financial coach who meets users where they are: on a $50 Android phone, in their language, explaining money in terms that make sense to their daily life.

✨ Features

Feature	Description
🤖 AI Coach (Maya)	Streaming conversational coaching in 15 languages
🛡️ Scam Detector	Paste any offer — get instant risk analysis with APR calculation
🏦 Institution Finder	10+ verified microfinance institutions across 8 countries
💸 Remittance Comparison	Real fee data for 5 major money transfer corridors
🎓 Learning Modules	6 modules, 30 lessons, quizzes, badges, progress tracking
💰 Financial Dashboard	Income/expense tracking, savings goals, health score
📱 Offline PWA	Installs to home screen, works without internet
🔒 Demo Mode	Full product access, zero signup friction

🌍 Languages

English · हिन्दी · Kiswahili · Yorùbá · বাংলা · Filipino · Español · Português · Hausa · አማርኛ · isiZulu · Igbo · தமிழ் · Bahasa Indonesia · Tiếng Việt

🛠️ Tech Stack

Frontend: Next.js 14 · TypeScript · Tailwind CSS · Zustand · next-intl Backend: Supabase (PostgreSQL + Auth + RLS) · Vercel Edge AI: Mock AI layer → Ollama (llama3.2:3b) → Claude API Testing: Vitest (45 tests) · Playwright (30 E2E) · GitHub Actions PWA: Service Worker · IndexedDB offline sync

🚀 Quick Start

git clone https://github.com/aaravjj2/finwise.git
cd finwise
npm install
cp .env.example .env.local
# Edit .env.local with your Supabase credentials
# ANTHROPIC_API_KEY=mock  ← works without any API key
npm run dev

With local AI (free, no API key):

curl -fsSL https://ollama.ai/install.sh | sh
ollama pull llama3.2:3b
# Add to .env.local: OLLAMA_BASE_URL=http://localhost:11434
npm run dev

📊 Architecture

User (Android PWA)
    ↓ HTTPS
Vercel Edge (Next.js 14)
    ├── /api/chat      → AI streaming (Ollama/Mock)
    ├── /api/health    → Status endpoint
    └── /api/scam-analyze → Risk assessment
    ↓
Supabase PostgreSQL
    ├── users, conversations, messages
    ├── learning_modules, lessons, user_progress
    ├── financial_entries, savings_goals
    └── institutions, remittance_providers

🗺️ Roadmap

• Now: Mock AI, 15 languages, 6 modules, scam detector, institution finder
• Month 2: Ollama local AI on $20/month VPS (zero API costs)
• Month 5: Lightpanda web crawler — live institution rates, automated nightly
• Month 10: B2B API for MFI integration
• Month 16: Savings circles (chama/susu/tanda digitization)
• Month 21: On-device WASM inference — fully offline AI

📄 License

MIT — see LICENSE

🙏 Built For

The 1.4 billion people who deserve the same financial guidance that used to require a banker, a lawyer, and a financial planner.