
Finance App
Personal and business finance tracking right inside Telegram. One message like “coffee 85” makes an entry; statistics and budgets, shared wallets, Monobank sync and AI that reads receipts.



Finance App
Our own product: a full money-tracking app that opens inside Telegram in a second, with no install and no sign-up. We built it like fintech: a strict design, speed, data protection and monetization from day one.
What it does
- One message makes an entry: “coffee 85”, “taxi 120 cash”, “+500$ to privat”. The server works out the amount, currency, wallet and category from a 1,500-word dictionary in three languages and remembers any category picked by hand.
- A home screen with the balance, a month forecast and “safe to spend today”; monthly and yearly statistics, a six-month trend, budgets with alerts at 80% and 100%.
- Shared wallets for up to five people via a link, savings goals, recurring payments, debts with reminders and an investment portfolio with stock and crypto quotes.
- CSV and Excel statement import from any bank: columns and encoding are detected automatically, categories come from the description and 300 MCC codes. Monobank syncs every hour.
- Business mode: project wallets, a profit and loss report, cash flow between accounts and tax due.
- AI features: a receipt photo becomes an entry on the right card, a complex text like “lunch 120 and taxi 80 yesterday” becomes two transactions, plus a monthly review and answers to money questions. A duplicate receipt is caught and confirmed.
- Excel, PDF and CSV reports for any period arrive as a file in the chat; “Year in review” cards for stories.
- Free, Premium and Pro plans paid with Telegram Stars, premium themes with metallic shimmer on the numbers.
Technical decisions
- Next.js with TypeScript on Vercel; server functions run in the same region as the database to keep latency minimal.
- PostgreSQL on Supabase: 20 migrations, Row Level Security on every table, data access only through the server. Database triggers assign entries to projects whatever their source.
- Sign-in through signed Telegram data, so no passwords are needed. Bank tokens are stored encrypted.
- The first screen loads with a single request and the last state is cached on the phone, so the UI appears instantly while data refreshes in the background.
- A background job every 15 minutes via pg_cron: recurring payments, exchange rates, asset prices, reminders and bank sync.
- A nightly encrypted database backup via GitHub Actions; the admin learns about failures in Telegram.
- In-app AI support answers from a knowledge base and hands complex questions to a person with a draft reply. AI spending is capped per user and per day.
- 20 languages with per-language bundle loading and a right-to-left layout for Arabic and Farsi.





