Vision

money is a local-first personal finance backend for external AI agents.

The immediate motivation is replacing a Monarch-dependent workflow without losing the ergonomics that made the Monarch CLI useful to agents. The long-term goal is not to build another finance chatbot. The product should be boring infrastructure: a user-owned store of financial data, a small set of deterministic finance primitives, and stable contracts that any agent can call.

Product Identity

money is:

• A local financial data backend.
• A CLI-first automation surface.
• A provider-neutral sync system.
• A stable JSON contract layer for external agents.
• A self-hostable command surface for local automation.

money is not:

• An embedded AI advisor.
• A hosted subscription product.
• A budgeting app that requires a web server to be useful.
• A Plaid-only client.
• A Monarch clone.

Core Bet

The agent workflow should depend on stable finance primitives, not on a specific data source.

Today the data source may be Monarch. Tomorrow it may be Plaid, MX, Finicity, a CSV importer, or a local manual account. The agent should still ask for accounts, transactions, budgets, rules, recurring bills, net worth, and cashflow using the same command semantics.