SpendKeep

🛑 Stop giving apps your bank passwords. I'm building a privacy-first AI finance tracker instead.
Let’s be honest: automated bank sync is broken. You connect via Plaid, it breaks three days later, and your transaction data sits in a massive database waiting to be breached.

I got tired of this, so I started building SpendKeep — a personal finance tracker designed for "Financial Sovereignty". It gives you the magic of automated categorization without requiring your bank credentials.

(Note: This is still a work in progress!)

🛠️ How it works
Instead of fragile bank APIs, SpendKeep ingests what you already have: Bank SMS alerts and forwarded emails.

The Brain: I hooked it up to Groq's API (Llama-3.3-70b-versatile). It instantly parses raw SMS/email text, extracts the merchant, date, and amount, and maps it to categories.
The Stack: Next.js web app, React Native (Expo), and Supabase.
🧠 The UX: "Behavioral Nudges"
Most budget apps throw a massive grid of 500 unmapped transactions at you. That's a huge cognitive load. I wanted to design a mindful ritual, not a chore.

We built a Psychological Nudge Framework into the frontend:

90-Second Onboarding: A 5-minute "Timebox Sprint" shows you only 3 transactions at a time with "Predictive Defaults". Just hit 'Enter' to approve. High dopamine, low friction.
The Sovereignty Streak: Instead of a generic "days logged in" counter, we track "Weeks of Total Clarity". The UI tracker fills with gold and bursts into flames when you hit a 7-day streak.
🤝 I need your feedback!
I'm polishing the Phase 2.1 UI and tweaking the AI parsing. I'd love for founders, devs, and designers here to try it out.

What I'm looking for:

AI Parsing: Throw your weirdest SMS bank alerts at it. Does Llama-3 categorize it right?
The "Vibe Check": How does the Sovereignty Streak feel? Does the onboarding hook you?
General UX: Tear apart my Next.js & Tailwind implementation.
Let me know what you think below! 👇