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Synaxis (MoneyMatters)

Personal Finance & AI-Powered Insurance Management Platform

Synaxis is a comprehensive personal finance and insurance management application that combines intelligent financial tracking with AI-powered policy analysis. It helps users manage their money through transaction tracking, financial goal-setting, asset management, and AI-driven insurance coverage optimization.

Table of Contents

  1. Tech Stack
  2. Architecture Overview
  3. App Screens & Features
  4. Backend Services & API Endpoints
  5. AI Agents
  6. Data Models
  7. Security Features
  8. Data Visualization
  9. Getting Started

1. Tech Stack

Frontend

Component Technology
Framework React Native (Expo SDK 54)
Navigation React Navigation (Native Stack Navigator)
Icons Lucide React Native
Charts React Native Gifted Charts (Line, Bar, Pie)
Gradients Expo Linear Gradient
State Management React Context (Auth Context, Theme Context)
Storage AsyncStorage (persistent), Expo Secure Store (encrypted)
Platforms iOS, Android, Web

Backend

Component Technology
Runtime Node.js + TypeScript (tsx)
API Framework Express.js
Database PostgreSQL with Prisma ORM
AI Model Anthropic Claude Sonnet (via Anthropic SDK)
Authentication JWT (Access + Refresh Tokens), Bcrypt password hashing
File Uploads Multer (PDF handling)
PDF Parsing pdf-parse library
Security Helmet, JWT verification, inter-service key auth
Rate Limiting Express Rate Limit middleware
Validation Zod schema validation
HTTP Client Axios (inter-service communication)

Deployment

Component Technology
Cloud AWS EC2 instance
Database AWS RDS (PostgreSQL)
Reverse Proxy Nginx on port 80, routing to microservices
Containerized All 5 backend services running on EC2

2. Architecture Overview

Synaxis uses a microservices architecture with 5 backend services communicating through REST APIs, fronted by an Nginx reverse proxy.

+----------------------------+
|   React Native / Expo      |
|   (iOS, Android, Web)      |
+-------------+--------------+
              |
      Nginx Reverse Proxy (Port 80)
              |
  +-----------+-----------+
  |           |           |
  v           v           v
/api/auth  /api/finance  /api/policies  /api/ai  /api/dashboard
  |           |              |              |          |
  v           v              v              v          v
Auth       Finance        Policy          AI       Dashboard
Service    Service        Service       Service    Service
:3001      :3002          :3003         :3004      :3005
  |           |              |              |          |
  +-----+-----+--------------+--------------+----------+
        |
        v
  PostgreSQL Database (AWS RDS)
  (4 databases: auth, finance, policy, ai)

Dashboard Service acts as an aggregator — it calls Auth, Finance, Policy, and AI services in parallel to return a unified overview in one request.

3. App Screens & Features

3.1 Authentication Screen

Two-step registration and login flow.

Step 1 — Account Creation:

  • First name, last name
  • Email address
  • Password with strength validation:
    • Minimum 8 characters
    • At least 1 uppercase letter
    • At least 1 lowercase letter
    • At least 1 digit
    • At least 1 special character
  • Password confirmation
  • Toggle between Sign Up and Sign In

Step 2 — Personalization (Sign-up only):

  • Age
  • Gender (Male, Female, Non-binary, Prefer not to say)
  • Occupation (free text)
  • Employment status: Full-time, Part-time, Self-employed, Freelancer, Student, Unemployed, Retired
  • Income range bracket selection

Features:

  • Animated step transitions
  • Brand panel with feature highlights
  • Error handling with user-friendly alerts

3.2 Hub Screen (Main Dashboard)

Central navigation point after login with financial overview.

Components:

  • Header with Synaxis logo, theme toggle, profile badge, logout
  • Personalized welcome message with user's first name
  • Quick Stats Cards:
    • Current savings balance (formatted currency)
    • Current savings rate (percentage)
  • Tool Navigation Cards:
    1. Financial Tracker — Tags: "Budget & Goals", "Charts & Reports"
    2. Synaxis AI (Insurance Analysis) — Tags: "Gap Analysis", "AI Scenarios"

Features:

  • Dynamic data fetching from Finance API
  • Dark / light theme support
  • Smooth navigation transitions
  • Responsive layout

3.3 Financial Tracker Screen

Comprehensive personal finance management dashboard.

Transaction Management

Full CRUD (Create, Read, Update, Delete) for:

  • Income entries: monthly amount, frequency
  • Variable expenses: Food, Dining Out, Gas, Transport, Shopping, Entertainment, Healthcare, Other
  • Fixed expenses: Rent/Mortgage, Utilities, Insurance Premiums, Loan Payments, Subscriptions, Phone/Internet, Property Tax, HOA Fees, Other

Transaction Display:

  • Search by description or category
  • Category filtering dropdown
  • Paginated list (8 items per page)
  • Grouped by date (newest first)
  • Category-specific icons

Charts & Visualization

  • Income & Expense Trend (Line Chart): Monthly view (last 12 months) / Yearly view, interactive tooltips, area fill under curves
  • Income vs Expenses Comparison (Bar Chart): Side-by-side monthly or yearly bars, top labels showing amounts in thousands
  • Spending by Category (Pie/Donut Chart): Category breakdown with percentages, color-coded segments, center label with total
  • Savings Trend (Bar Chart): Net savings (income - expenses) per period, green for positive, red for negative months

Financial Summary

  • Total monthly income
  • Total monthly expenses
  • Net amount (income minus expenses)
  • Overall savings rate percentage
  • Computed in real-time from all transactions

Savings Management

Full CRUD for multiple savings accounts/types: Liquid Savings, Stocks, Index Funds, 401(k), IRA, Locked CD, Crypto, Other

Tracks:

  • Current balance per account
  • Monthly savings contribution
  • Description / notes

Savings Goals

Full CRUD for financial goals:

  • Goal name
  • Target amount
  • Current progress amount
  • Deadline date

Display:

  • Progress bar visualization
  • Percentage complete badge
  • Formatted deadline date
  • Support for multiple simultaneous goals

Asset Management

Full CRUD for personal asset inventory.

Asset Types: Real Estate, Vehicle, Electronics, Jewelry, Collectibles, Furniture, Other

Tracks:

  • Asset name
  • Asset type with emoji icons
  • Estimated value
  • Description

3.4 Policy Screen (Synaxis AI)

Insurance policy management with AI-powered analysis.

Policy Management

  • Upload PDF policy documents with:
    • Policy type selection (Health, Life, Auto, Home, Disability, Liability, Umbrella, Other)
    • Renewal date
  • View all uploaded policies as cards showing:
    • Provider name
    • Premium amount and frequency
    • Coverage score (Well Covered / Partial / Uncovered)
    • Expiration / renewal date
    • What's covered (checklist items)
    • What's excluded (alert items)
    • Risk assessment score
  • Delete policies

Asset Management (Insurance Context)

  • Same asset types as Financial Tracker
  • Links assets to coverage verification
  • Full CRUD operations

Coverage Gap Analysis

  • AI automatically detects coverage gaps on upload
  • Expandable / collapsible gap items
  • Severity indicators per gap
  • Recommendations for closing gaps

AI Scenario Simulator (Chat Interface)

  • Conversational what-if scenario testing
  • User asks questions like:
    • "What happens if I lose my job for 3 months?"
    • "What if I buy a house for $500k?"
  • AI generates 12-month projections comparing:
    • Path A: Status quo (no changes)
    • Path B: Proposed scenario
  • Month-by-month delta analysis
  • Confidence scoring
  • AI-generated recommendations
  • Message history with user/bot differentiation
  • Auto-scroll to latest messages

PDF Upload Flow

  1. User selects PDF and policy type
  2. Frontend uploads via multipart form
  3. Policy Service validates and stores file
  4. Async callback triggers AI Service parsing
  5. AI extracts structured data (provider, coverage, gaps, etc.)
  6. Results displayed on policy card

3.5 Profile Screen

User information display and settings.

Displays:

  • Full name, email address, age, gender
  • Occupation, employment status, income range bracket
  • Connected financial metrics

Features:

  • Theme toggle (Light / Dark mode)
  • Editable profile fields
  • Financial summary connection

4. Backend Services & API Endpoints

4.1 Auth Service (Port 3001)

User registration, authentication, and profile management.

Method Endpoint Description
POST /api/auth/register Create account with demographics
POST /api/auth/login Sign in (returns access + refresh tokens)
POST /api/auth/logout Terminate session
GET /api/auth/profile Fetch user profile info
POST /api/auth/refresh Refresh JWT tokens

Auth: JWT Bearer tokens with refresh token rotation. Security: Bcrypt password hashing, rate limiting.

4.2 Finance Service (Port 3002)

Manages income, expenses, savings, goals, and assets.

Income:

Method Endpoint Description
GET /api/finance/income List income sources
POST /api/finance/income Add income source
PATCH /api/finance/income/:id Update income source
DELETE /api/finance/income/:id Delete income source

Fixed Expenses:

Method Endpoint Description
GET /api/finance/expenditure/fixed List fixed expenses
POST /api/finance/expenditure/fixed Add fixed expense
PATCH /api/finance/expenditure/fixed/:id Update fixed expense
DELETE /api/finance/expenditure/fixed/:id Delete fixed expense

Variable Expenses:

Method Endpoint Description
GET /api/finance/expenditure/variable List variable expenses
POST /api/finance/expenditure/variable Add variable expense
PATCH /api/finance/expenditure/variable/:id Update variable expense
DELETE /api/finance/expenditure/variable/:id Delete variable expense

Savings:

Method Endpoint Description
GET /api/finance/savings List savings accounts
POST /api/finance/savings Add savings account
PATCH /api/finance/savings/:id Update savings account
DELETE /api/finance/savings/:id Delete savings account

Goals:

Method Endpoint Description
GET /api/finance/goals List goals
POST /api/finance/goals Create goal
PATCH /api/finance/goals/:id Update goal
DELETE /api/finance/goals/:id Delete goal

Assets:

Method Endpoint Description
GET /api/finance/assets List assets
POST /api/finance/assets Add asset
PATCH /api/finance/assets/:id Update asset
DELETE /api/finance/assets/:id Delete asset

Summary:

Method Endpoint Description
GET /api/finance/summary Overall financial health summary

Financial Health Score Algorithm (0–100):

  • Expense Ratio: 40 points (based on expenses-to-income ratio)
  • Savings Rate: 35 points (based on savings percentage)
  • Emergency Fund: 25 points (based on months of expenses saved)

Security: All endpoints require JWT authentication. Encryption: AES-256-GCM field-level encryption for monetary values.

4.3 Policy Service (Port 3003)

Insurance policy document management.

Method Endpoint Description
POST /api/policies/ Upload PDF policy (multipart form-data)
GET /api/policies/ List user's policies (filterable by type, status)
GET /api/policies/:id Get full policy details with parsed data and gaps
DELETE /api/policies/:id Delete policy and associated file

Policy Types: HEALTH, LIFE, AUTO, HOME, DISABILITY, LIABILITY, UMBRELLA, OTHER

Parse Status: PENDING → COMPLETED | FAILED

Security: JWT authentication, PDF file validation, size limits.

4.4 AI Service (Port 3004)

Hosts four AI agents using Anthropic Claude Sonnet.

Method Endpoint Description
POST /api/ai/parse Trigger policy PDF parsing (service auth)
GET /api/ai/parse/status/:id Check parse job status
POST /api/ai/watchdog Run financial health analysis (JWT)
POST /api/ai/scenario Create what-if scenario projection (JWT)
GET /api/ai/scenarios List past scenarios (JWT)
GET /api/ai/scenario/:id Get specific scenario details (JWT)

See AI Agents for detailed agent descriptions.

4.5 Dashboard Service (Port 3005)

Aggregator service — calls all other services in parallel.

Method Endpoint Description
GET /api/dashboard/overview Unified financial + policy overview

Fetches from Auth, Finance, Policy, and AI services simultaneously, returning a single consolidated response to reduce frontend round-trips.

5. AI Agents

5.1 Policy Parser Agent

  • Purpose: Extract structured data from insurance policy PDFs
  • Inputs: Raw PDF text content, policy type
  • Outputs: Provider name, policy number, covered items, excluded items, premium amount & frequency, coverage risk score, identified gaps
  • Trigger: Async callback from Policy Service after upload
  • Auth: Inter-service key validation

5.2 Watchdog Agent (Financial Health Monitor)

  • Purpose: Analyze user's complete financial profile
  • Inputs: Income, expenses, savings, assets, goals data
  • Outputs: Health score (0–100), risk flags with severity (low/medium/high), actionable recommendations, budget breakdown (50/30/20 rule), spending pattern analysis
  • Trigger: User request or dashboard aggregation
  • Auth: JWT required

5.3 Orchestrator Agent

  • Purpose: Coordinate complex multi-step financial queries
  • Inputs: Complex user queries requiring multiple data sources
  • Outputs: Routed responses from appropriate sub-agents
  • Trigger: Internal service routing
  • Auth: Internal service key

5.4 Scenario Simulator Agent

  • Purpose: Run 12-month what-if financial projections
  • Inputs: Current financial state + proposed scenario (job change, major purchase, expense cut, etc.)
  • Outputs:
    • Month-by-month projections for two paths:
      • Path A — Status Quo (no changes)
      • Path B — With Proposed Scenario
    • Delta analysis between paths, confidence level, risk assessment, AI recommendations
  • Trigger: User request via chat interface
  • Auth: JWT required

6. Data Models

User Profile

  • firstName, lastName, email, password (hashed)
  • age, gender, occupation
  • employmentStatus, incomeRange
  • Timestamps (created, updated)
  • Linked: Finance Profile, Policies

Financial Data

  • Income items: monthly amount, frequency, description
  • Fixed expenses: 9 categories with amounts
  • Variable expenses: 8 categories with amounts
  • Savings items: 8 types with balances and monthly contributions
  • Goals: name, target amount, current amount, deadline
  • Assets: name, type (7 categories), estimated value, description

Policy Data

  • PDF document (stored on disk)
  • Policy type, parse status
  • Parsed data: provider, coverage items, exclusions, gaps
  • Premium amount and frequency
  • Coverage risk score
  • Renewal / expiration date

AI Data

  • Policy parse job records (async status tracking)
  • Scenario simulations with monthly projections
  • Watchdog financial health reports

7. Security Features

  • JWT-based authentication with access + refresh token rotation
  • Bcrypt password hashing (salted)
  • AES-256-GCM field-level encryption for all monetary values
  • Password strength validation (8+ chars, mixed case, digit, special)
  • Helmet security headers on all services
  • Rate limiting on all API endpoints
  • Inter-service authentication keys (service-to-service calls)
  • Expo Secure Store for encrypted client-side token storage
  • PDF file type and size validation on uploads
  • Input validation with Zod schemas
  • CORS configuration

8. Data Visualization

  • Line Charts: Income & expense trends (monthly / yearly), interactive tooltips, area fills, curved lines
  • Bar Charts: Income vs expenses comparison (side-by-side), savings trend (green positive, red negative)
  • Pie/Donut: Spending by category with percentages
  • Progress Bars: Savings goal completion tracking
  • Stat Cards: Summary metrics with icons and color coding
  • Badges: Percentage complete, coverage scores
  • All charts support dark and light themes

9. Getting Started

Prerequisites

  • Node.js 18+
  • Expo CLI (npx expo)
  • iOS Simulator (Xcode) or Android Emulator
  • PostgreSQL database (local or AWS RDS)

Frontend Setup

  1. Clone the repository:

    git clone https://github.com/CSingh26/MoneyMatters.git
cd MoneyMatters

  2. Install dependencies:

    npm install

  3. Configure environment — create a .env file with API URLs:

    EXPO_PUBLIC_AUTH_API=http://localhost:3001
EXPO_PUBLIC_FINANCE_API=http://localhost:3002
EXPO_PUBLIC_POLICY_API=http://localhost:3003
EXPO_PUBLIC_AI_API=http://localhost:3004
EXPO_PUBLIC_DASHBOARD_API=http://localhost:3005

  4. Start the app:

    npx expo start --ios       # iOS Simulator
npx expo start --android   # Android Emulator
npx expo start --web       # Web Browser

Backend Setup

Each service (auth, finance, policy, ai, dashboard) runs independently under the backend/ directory. Each requires:

  1. Its own .env file with database URL, JWT secrets, and service keys
  2. Prisma schema migration: npx prisma migrate dev
  3. Start command: npm run dev

Services communicate via REST APIs. Nginx reverse proxy routes /api/* paths to the appropriate service port.

License

MIT

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