Finly

Everyday money. Shared bills. Clearer decisions.

A personal-finance MVP connecting receipt review, shared bills, realtime item claims, and traceable settlement on a balanced ledger.

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Finly illustration showing a sample personal wallet beside an equally shared dinner bill. — Original interface illustration · Synthetic demo data.View larger

At a glance

Stage: Prototype
Industry: Finance
Context: Internal product
Capabilities: 7
Technologies: 10
Year: 2026

372 critical tests

Recorded in project documentation on 9 October 2026; a historical verification report, not rerun for this portfolio update

15 web journeys

Reported in the earlier MVP verification notes against a local API and synthetic data; not native-device or production validation

The challenge

Shared spending needs more than a calculator.

People need to review receipt items, agree on discounts and charges, understand who owes whom, and correct a mistake without losing the history behind a balance.

Finly is an internal personal-finance and bill-splitting MVP for that workflow. It records money and shared obligations; the current scope does not hold funds or initiate a payment through a provider.

What we built

One Expo and React Native app connects to a typed Fastify API, with Indonesian as the default language and English available.

Accounts and transactions

Personal accounts, expenses, income, and transfers connect to a balanced double-entry ledger

Accounts and transactions

Personal accounts, expenses, income, and transfers connect to a balanced double-entry ledger

Capture with review

A Review Inbox lets users check captured information, correct fields, and manage duplicates. Current source formats are synthetic DEMO formats; real bank and e-wallet formats remain unverified

Flexible bill splits

Equal, custom-amount, percentage, and item-based splits handle agreed discounts, service charges, taxes, and rounding

Realtime item claims

Participants can claim items and see shared bill activity across open screens

Receipt-to-bill workflow

Receipt images feed an editable review screen through configurable hosted vision providers or Tesseract and rule-based fallback. Model output is validated before it enters a bill

Controlled payment-detail sharing

Circle permissions, masking, and PIN step-up govern access to stored payment details. Settlement is recorded through participant and payer confirmation

Correction and history

Bill changes, reversals, and adjustments retain a traceable relationship to the original records

The responsive interface targets phones and larger screens from one codebase. The documented local validation is for the web; a shared codebase does not establish that native behavior has been tested on a device.

How it works

Shared TypeScript money logic
The TypeScript workspace shares Zod schemas, parsers, and pure money logic between the app and API. Integer minor-unit arithmetic and allocation rules keep the bill total and its shares consistent.
Ledger, API and live updates
PGlite and Drizzle provide the current MVP data layer. Ledger corrections use new postings rather than silently changing posted history. Fastify owns authorization and validation, while Socket.IO carries live item-claim and notification updates.
Reviewed receipt processing
Receipt processing has an explicit review step and a fallback path. Hosted AI providers are configurable, and their replies are checked against the expected structure. This implementation does not imply verified extraction accuracy on real customer receipts.

Current stage

Prototype

Research
Prototype
Pilot
Production

Project documentation records 372 critical tests passing on 9 October 2026. Earlier MVP verification notes record 15 web journeys passing against the local API and synthetic demo data. These are historical project reports; the tests and finance database were not rerun or inspected for this portfolio update.

Read the full status

Finly remains an internal prototype. The current API rejects its development-only OTP provider in production mode, so real authentication requires further implementation. Native Android and iOS device checks, production push, managed secrets, and real financial-source integrations remain open. The hosted receipt AI path was documented as tested with stubbed provider replies; no live-model accuracy or commercial result is claimed.

The gallery shows synthetic DEMO receipts used to exercise parsing and review. They are test inputs, not customer financial records or screenshots of the application.

Where this fits

Apps that manage shared obligations need understandable totals, reviewable changes, and clear access rules. We connect mobile apps, web applications, and AI-assisted processing around that foundation. Talk to our team about your product.

Talk to our team

Inside the project

Synthetic receipt fixtures used to exercise the review workflow.

A 10% member discount taken off before PB1 is added. · Synthetic test dataView larger
A column layout that uses commas instead of dots for thousands. · Synthetic test dataView larger
Prices that already include VAT, so no tax is added on top. · Synthetic test dataView larger
A long receipt taken in two photos: the first holds the items. · Synthetic test dataView larger
The second photo overlaps the first and ends with the charges and total. · Synthetic test dataView larger