💸 FinanceAI – AI-Powered Financial Intelligence Platform

FinanceAI is your smart financial partner – combining intelligent expense tracking, personalized investment advice, and secure financial planning,view market trends in one sleek platform. Built for young adults and modern investors, it brings AI, and intuitive design together to make finance easy and powerful.

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🎯 Problem We’re Solving

Most people find managing their finances frustrating. Here's why:

• 📉 No personalized advice – One-size-fits-all doesn’t work
• 💸 Messy expense tracking – Manual tracking is painful
• 🌀 Investment confusion – Too many options, no clear guidance
• 🔐 Security worries – People don’t trust sharing financial info online
• 📚 Low financial literacy – Finance terms are often overwhelming

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💡 What Makes FinanceAI Special?

🤖 Smart Features You’ll Love:

• 🎯 AI-Based Financial Advisor
  Personalized advice based on your income, risk, and goals

• 🧠 Intelligent Risk Profiling
  Analyzes age, savings, income-to-expense ratio, and risk tolerance
• 📊 Real-time Investment Suggestions
  Includes SIPs, FDs, and market trades

• 💬 Conversational AI Chatbot
  Ask complex financial questions using natural language

🔒 Security-First Design:

• 🆔 Web3 Civic Auth for decentralized identity verification
• 🔐 End-to-end encrypted data storage
• 🔓 You control your data – no third-party dependency

💰 Expense & Budget Management:

• 🧾 Automatic Expense Categorization
• 📉 Spending Pattern Predictions
• 💡 Budgeting Tips & Goal Tracking

📬 More Features:

• ✉️ Email Alerts for budget breaches

• 🧮 Tax Optimizer powered by TaxVox
  Calculates your tax & suggests savings strategies

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🛠️ Tech Stack

💻 Frontend

• React 18 ⚛️
• Vite ⚡
• Tailwind CSS 💅
• shadcn/ui 🧩
• React Router & Query 🧭

🌐 Backend

• Node.js 🚀
• MongoDB 🍃
• Nodemailer
• JWT Authentication 🔐
• CORS + .env configuration

🤖 AI & Intelligence

• Google Gemini 2.5 Flash ⚡🧠
• Custom Risk Profiling Algorithm
• Prompt Engineering

🔐 Authentication

• Civic Web3-based Identity Verification

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🧠 UX & Design Principles

✨ Key Features:

1. 📈 Smart Dashboard – All your finances in one view
2. 📊 Expense Analyzer – AI categorization & visual trends
3. 🤖 AI Investment Advisor – Personalized tips & predictions
4. 👤 User Profile Management
5. 🛡️ Security Center – Transparent data policies
6. 💬 Finance Chatbot – Ask, learn, invest
7. 💸 Tax Optimizer – Know, plan, save

🎨 Design Aesthetics:

• 🧊 Glassmorphism UI – Sleek and modern
• 🌈 Green Financial Gradients
• 📉 Interactive Charts & Graphs
• 🦾 Micro-interactions & animations

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🌟 Why This Matters

🌍 Real-World Impact:

• 🧠 Financial Literacy – Simplified guidance for everyone
• 🔓 Access to Financial Tools – Even for first-time users
• 😌 Reduced Financial Stress – With proactive AI alerts
• 📈 Boosted Investment Confidence

📈 Market Opportunity:

• 🌐 $179.8B Fintech Market (23.58% CAGR)
• 🤖 $9.45B AI in Finance (Expected $26.67B by 2026)
• 📱 3.4B Personal Finance App Users Expected by 2026
• 🇮🇳 Huge potential in India’s rising middle-class (1.4B+ users)

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🚀 How to Get Started

✅ Prerequisites

• Node.js 18+
• MongoDB instance
• Gemini API Key (Google AI Studio)
• Civic Auth credentials

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🛠️ Installation Steps

1. Clone the Repo

git clone https://github.com/Soumojitshome2023/h4b-last-brain-cell.git
cd h4b-last-brain-cell

2. Backend Setup

cd backend
npm install
cp .example.env .env    # Update your environment variables
npm start

3. Frontend Setup

cd frontend
npm install
cp .example.env .env    # Add API keys and configs
npm run dev

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🔐 Environment Variables

Backend (.env)

PORT=4000
MONGO_URI=your_mongodb_connection
DBName=
APIEMAILADDRESS=
APIEMAILPASS=

Frontend (.env)

VITE_BaseUrl=http://localhost:8080
VITE_ServerUrl=http://localhost:4000
VITE_GeminiAPI=
VITE_CivicClientID=

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🛡️ Security Highlights

• 🔐 End-to-End Encrypted Data Handling
• 🆔 Web3 Authentication (Civic)
• 🔑 JWT-Based Secure Sessions
• 🌐 CORS Protected API

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⚙️ Performance Boosts

• 🚀 Lazy Loading & Code Splitting
• 🗂️ Image & Asset Optimization
• 📊 Indexed MongoDB Collections

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🔮 What’s Next

🔧 Phase 1:

• 📱 Native Mobile App (Android/iOS)
• 📉 Credit Score Monitoring AI
• 📂 Financial Health Analysis from Docs
• 🛠️ Blockchain + IPFS Secure Storage
• 🎯 Investment & Goal Tracking

🏢 Phase 2:

• 👥 Multi-User Family/Team Accounts
• 🔌 3rd-Party API Marketplace
• 📈 Enterprise-Grade Predictive Analytics

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🔗 Links

• 🚀 Live Demo: https://h4b-lastbraincell.vercel.app/
• 🗂️ GitHub Repo: github.com/Soumojitshome2023/h4b-last-brain-cell

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👥 Team Last Brain Cell

• 📊 Madhumanti
• 🎨 Atrayee
• ⚙️ Satwik
• 🧠 Soumojit

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