BetterOff is a finance workspace for people and households with fragmented financial accounts.
The product normalizes bank, brokerage, wallet, and billing data into one read-only operating surface. The technical priority is data isolation, evidence-linked AI output, and approval-gated actions rather than money movement.
System
- Household-scoped Postgres data with role-level isolation and CI drift checks
- Read-only banking, brokerage, wallet, and exchange connectors
- Decimal-backed account, asset, price, and transaction models
- Per-leg transaction grouping for transfers, trades, fees, dividends, and cost-basis work
Runtime
- Bun monorepo with Next.js app, marketing site, Hono API, and Expo iOS surface
- Provider credentials encrypted with AES-256-GCM and KMS envelope keys
- Stripe billing with household seats and billing-owner separation
- Leased sync queue with retry and dead-letter handling
Proof
- AI tools emit evidence IDs tied to accounts, holdings, and transactions
- Write-capable AI paths require explicit approval before mutation
- Citation reconciliation checks quoted totals against cited rows
- Pre-flight usage holds prevent concurrent AI budget overspend