Pod Money

⚠️ Experimental — AI-agent-generated (Claude Opus 4.8, @jeswr PSS agent); under active development, not production-hardened.

A personal-finance app for Solid pods. Your accounts, transactions, balances and holdings live in your pod, as plain RDF — Pod Money is just a typed lens over them, so any other Solid app can read or write the same data through the same vocabulary.

This repository is the non-throwaway data-layer core: a typed RDF model and a pod-shaped read / write / list / discover layer. The full UI (a Next.js app scaffolded with create-solid-app), the cross-server end-to-end matrix, and the coverage ratchet are tracked follow-ups (see below) — the data layer here is the part that survives a UI rewrite.

What it models

Pod Money's domain is built on the finance sector ontology (FIBO-slim) from jeswr/full-solid-ecosystem — a gUFO-rebased sector ontology that reuses FIBO via a version-pinned slim MIREOT module. The typed accessors cover:

Concept	Class	Notes
Account	fin:FinancialAccount (+ Current / Savings / Credit / Investment sub-kinds)	status is a disjoint Phase partition: Active / Frozen / Closed
Transaction	fin:Transaction (+ Payment / CardPayment / Transfer event types)	money movement with amount, posting time, owning account, category, counterparty
Monetary amount	fin:MonetaryAmount	decimal value + ISO 4217 currency code
Balance	fin:Balance	point-in-time statement of an account's amount
Holding	fin:Holding	a position in a fin:FinancialInstrument within an investment account
Category	pm:Category	user-defined spending category (an app-local concept)

Sector namespace

The finance sector ontology publishes under its canonical w3id.org base https://w3id.org/jeswr/sectors/finance# (the vann:preferredNamespaceUri declared in jeswr/solid-federation-vocab → sectors/finance/finance.ttl). Pod Money reads and writes that base, with every term centralised in src/vocab.ts — so the base is a one-line change if it ever moves.

The RDF stack — never a bespoke parser

Per the suite house rules, all RDF goes through the jeswr/solid-ai-coding libraries:

• @jeswr/fetch-rdf — GET + content-type-dispatched parse (read), returning the dataset + ETag.
• @solid/object / @rdfjs/wrapper — typed TermWrapper / DatasetWrapper accessors; every read and write goes through the mapping helpers (OptionalFrom, SetFrom, LiteralFrom, …).
• n3.Writer — serialise the mutated dataset back to Turtle for a conditional PUT.

There is no hand-built Turtle and no hand-concatenated triple anywhere in src/.

Pod shape

Resource	Path (under the pod root)	Holds
Finance container	finance/	the app's data, registered in the type index
Ledger	finance/ledger.ttl	accounts + transactions + monetary amounts
Public type index	settings/publicTypeIndex.ttl	a solid:TypeRegistration for fin:Transaction → finance/ so peers can discover the data

Writes are lost-update-safe. A read reports both the resource ETag and whether the resource existed, and save picks its precondition from that state: If-Match: <etag> for an update with a validator; an unconditional PUT for an existing resource the server returned without an ETag (degraded servers such as legacy NSS — sending a create precondition here would 412 forever); and If-None-Match: * only for a genuine create. A 412 surfaces as a PreconditionFailedError for the caller to re-read and retry.

Usage

import { MoneyStore } from "pod-money";

const store = new MoneyStore({ podRoot: "https://alice.pod.example/" });
// (auth is the ambient globalThis.fetch patched by @solid/reactive-authentication)

await store.addAccount({ iri: store.ledgerUrl + "#everyday", kind: "Current", label: "Everyday" });
await store.addTransaction({
  iri: store.ledgerUrl + "#t-1",
  amountIri: store.ledgerUrl + "#amt-1",
  kind: "CardPayment",
  account: store.ledgerUrl + "#everyday",
  amount: -19.99,
  currency: "GBP",
  postingTime: new Date(),
});
await store.registerInTypeIndex();            // make the data discoverable

const accounts = await store.listAccounts();
const txns = await store.listTransactions();   // amounts resolved to { amount, currency }
const where = await store.discover(MoneyStore.primaryClass);  // type-index lookup

Federation — registry-ready

Pod Money ships a public/clientid.jsonld Client Identifier Document that publishes the fedapp: block from https://w3id.org/jeswr/fed: fedapp:sector = finance, with fedapp:consumes / fedapp:produces declaring the fin:Transaction / fin:FinancialAccount / fin:Balance classes it works with. This lets a data-federation registry reason about the app before any consent — membership remains the registry's job after a signed challenge; nothing here is self-asserted membership. Regenerate the document from the typed builder with npm run build && node scripts/gen-clientid.mjs.

Develop

npm install          # ignore-scripts=true (supply-chain hardening)
npm run lint         # biome
npm run typecheck    # tsc --noEmit
npm test             # vitest
npm run coverage     # vitest --coverage (100% lines + functions on the data layer)
npm run build        # tsc -> dist/
npm run gate         # all of the above in order

Tracked follow-ups

These are deliberately not in this run (the data layer is the durable core; the rest is tracked work):

• Next.js UI via create-solid-app. The full app (login via @solid/reactive-authentication, account/transaction/budget views, force-static clientid.jsonld route) is scaffolded once create-solid-app lands in full-solid-ecosystem; do not hand-roll a throwaway Next.js app before then.
• Cross-server E2E matrix. Playwright against every well-known Solid server — CSS (WAC + ACP), ESS, NSS, and prod-solid-server with both passkey and username/password login — exercising read / write / list / type-index against a real pod.
• Coverage ratchet. A CI gate that asserts the cross-server matrix passes against all well-known servers and that the unit-coverage floor never regresses.
• Federation membership. Assert Pod Money's fedreg membership on the finance sector once the fedapp: namespace is frozen — the finance sector namespace is now the canonical https://w3id.org/jeswr/sectors/finance# (src/vocab.ts + the clientid.jsonld fedapp block).

License

MIT.