WiseWallet

Most people still track money the hard way — typing every UPI payment, coffee, and subscription into a spreadsheet or a basic budgeting app. Receipts sit in the camera roll; bank SMS alerts are noisy and unstructured. Generic finance apps show pie charts but rarely answer the questions that matter: *What did I actually spend on food this month? Can I trust this categorization? Will I blow my budget before month-end?*

The gap is not another ledger — it is an **AI-assisted finance product** built for India: photograph a receipt and get a categorized transaction in seconds, split bills with friends without a bank account, automate recurring bills, nudge before overspend, and email monthly AI insights. Few portfolio builds combine microservices architecture, Groq vision OCR, Inngest cron workflows, split-expense groups, ArcJet abuse protection, and Brevo transactional email in one cohesive INR-native platform.

Solo Full-Stack Engineer, Architect & Product Owner — I built WiseWallet end-to-end.

**Frontend:** Next.js 15 App Router — marketing landing with 3D net worth preview, sign-in/sign-up (email + Google OAuth), protected dashboard, transaction entry with AI receipt scan, reports with charts + AI coach, subscriptions, splits, and settings. ShadCN UI + Tailwind dark mode. React Hook Form + Zod validation. Recharts + Three.js for 2D/3D financial visualizations.

**Backend:** 6 Express microservices + API Gateway — auth (:4001), account (:4002), transaction (:4003, includes splits + AI), budget (:4004), notification (:4005), worker (:4006). Shared @wisewallet/database Prisma package on Neon PostgreSQL. JWT + refresh tokens with session management.

**AI:** Groq LLM — receipt scan extracts amount, merchant, category; AI Finance Coach answers natural-language spending questions; monthly report cron generates personalized insights.

**Automation:** Inngest — 7 background functions: recurring transactions, budget alerts, category budget alerts, bill reminders, weekly digests, monthly AI reports. Brevo delivers branded HTML emails.

**Security:** ArcJet Shield + bot detection on gateway; per-user rate limits on account/transaction creation and receipt scans.

WiseWallet is a **monorepo with microservices architecture** — Next.js frontend on :3000 proxies all /api/* to a single API Gateway on :8080, which routes to domain-specific Express services.

1$   Next.js 15 (Vercel) :3000
2$             │  /api/*
3$             ▼
4$   API Gateway :8080   ◀── ArcJet shield + bot detection
5$             │
6$   ┌─────────┼─────────┬──────────┬────────────┬─────────┐
7$   ▼         ▼         ▼          ▼            ▼         ▼
8$  auth    account  transaction  budget   notification  worker
9$ :4001     :4002      :4003     :4004       :4005      :4006
10$   │         │          │          │           │          │
11$   │         │          │ Groq     │           │ Brevo    │ Inngest
12$   │         │          │ receipt  │           │ email    │ 7 crons
13$   │         │          │ OCR      │           │          │
14$   └─────────┴──────────┴─────┬────┴───────────┴──────────┘
15$                              ▼
16$                 Neon PostgreSQL  (Prisma)

**Services:** - auth-service — Google OAuth, email/password, JWT + refresh tokens, session CRUD - account-service — multi-account CRUD, default account, balance tracking - transaction-service — transactions, CSV import/export, receipt AI scan, analytics, splits, subscriptions - budget-service — monthly budgets, category budgets, savings goals - notification-service — Brevo email dispatch + email history - worker-service — Inngest webhook + 7 cron/event functions

**Receipt → transaction flow:** 1. User uploads receipt in transaction form 2. POST /api/transactions/scan-receipt (multipart) → Groq vision → JSON { amount, date, description, merchantName, category } 3. User reviews pre-filled fields → POST /api/transactions writes row + updates account balance atomically

**Split expenses:** Separate from bank transactions — create group, share /split/{token} invite link, equal split among members, settle up balances. No bank account required for friends.

**Inngest jobs:** Daily recurring bill processor · budget/category alerts every 6h · bill reminders · weekly digests (Monday) · monthly AI reports (1st of month).

**Database** (Prisma / Neon PostgreSQL): User, UserSession, Account, Transaction, Budget, CategoryBudget, SavingsGoal, CategoryRule, SplitGroup, SplitMember, SplitExpense, SplitShare, SplitSettlement, EmailLog.

WiseWallet targets the **AI-assisted personal finance wedge** for India — UPI-heavy spending, paper receipts, INR-native formatting, and split bills with friends. Positioning: *photograph a receipt, get a categorized transaction in seconds* — plus Splitwise-style group expenses without bank linking.

**Product-led loop:** landing hero → sign up (email/Google) → create account → scan receipt or add expense → dashboard health score + 3D net worth → set budget → email nudge at 80% → monthly AI report on the 1st.

**Go-to-market:** live at wise-wallet-nine.vercel.app → demo video → GitHub.

**Monetization paths (not shipped):** free tier with N receipt scans/month; Pro for unlimited scans, multi-account exports, tax-ready CSV; family workspace with shared budget alerts.

Live at wise-wallet-nine.vercel.app with source at github.com/subhm2004/WiseWallet. Watch demo.

**Shipped (product):** Marketing landing with 3D preview · email + Google auth · multi-account dashboard · **Groq receipt scan** · income/expense CRUD · CSV import/export · PDF reports · recurring bills · monthly + category budgets · savings goals · financial health score · 3D net worth timeline · AI Finance Coach · subscription detection · **Splitwise-style split groups** · dashboard widget customization · PWA installable.

**Shipped (platform):** 6 microservices + API Gateway · 7 Inngest background functions · Groq for OCR + coach + monthly insights · Brevo transactional emails (budget alerts, bill reminders, weekly digests, monthly reports) · ArcJet WAF + rate limits · Prisma on Neon PostgreSQL · JWT session management.

Add unequal split amounts per member in splits UI. Docker Compose for one-command local deploy. Production deploy configs for gateway + services on Railway/Render. Bank feed integration (India Account Aggregator) would reduce receipt-only dependency. User correction feedback on AI categories to improve prompts over time.