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https://github.com/cheeroo2020/aiva-glow-wallet

AI-powered multi-currency wallet with smart FX recommendations, built as a solo founder journey into the future of finance.
https://github.com/cheeroo2020/aiva-glow-wallet

ai fintech fx gpt multicurrency typescript wallet

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AI-powered multi-currency wallet with smart FX recommendations, built as a solo founder journey into the future of finance.

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README 

          
# 🌐 Aiva Glow Wallet

A next-gen multi-currency wallet with AI-powered smart FX recommendations, live trend analysis, environmental impact tracking, and DeFi-friendly architecture — designed and built by a solo founder to explore the future of money, cross-border finance, and digital wallets.



---



## 🚀 Project Vision

Aiva is a build + learn journey to explore how the future of money is being shaped by:



- Smart FX engines

- Real-time trend data

- AI UX logic

- Environmental impact tracking (Green FX)

- Multicurrency interoperability

- Blockchain + DeFi infrastructure

- Compliance & risk intelligence



---



## 🧱 Folder Structure (Reset on 1 October 2025)

```

├── ai/                       # Smart FX engine & simulations

│   ├── fx_trend_analysis.py

│   ├── fx_trend_with_threshold.py

│   ├── fx_conversion_sim.py   # FX simulation with compliance + audit logging

│   └── carbon_estimator.py

│

├── fx_data/                  # Mock FX, balances, transaction, and carbon data

│   ├── fxrates.json

│   ├── balances.json

│   ├── transactions_sample.json

│   ├── transactions_log.json  # enriched with compliance + carbon

│   ├── audit_log.json         # structured audit log

│   └── carbon_factors.json

│

├── lovable_ui/               # UI exported from Lovable (Markdown + assets)

│   ├── ai_suggestion_component.md

│   ├── compliance_collapsible_panel.md

│   └── Smart Fx.png

│

├── compliance/               # NEW: compliance-first reset

│   ├── kyc_flow.md           # KYC/AML notes and flows

│   ├── risk_log.json         # Risk factors log

│

├── designs/                  # UI concepts

├── screenshots/              # Output snapshots for tracking

├── docs/

│   ├── Mission.md            # Reset vision pillars

│   ├── audit_log_schema.md   # Schema for audit events

│   ├── privacy_compliance.md # Privacy + compliance scaffolding

│   ├── governance.md         # Governance and regulator engagement notes

│   └── ai_ethics.md          # AI safety & ethics documentation

│

├── tests/                    # OCR, compliance, and anchoring test results

│   ├── ocr_results.md

│

├── logbook.md                # Daily build journal

└── README.md                 # Project overview

```



---



## 🧑‍💻 Sprint 1 Summary (1 Aug – 18 Aug)

| Task ID | Title | Status |

|---------|-------|--------|

| AIVA-4  | Design wallet dashboard in Lovable | ✅ Done |

| AIVA-5  | Add 3 currency balance blocks      | ✅ Done |

| AIVA-6  | Create FX converter UI             | ✅ Done |

| AIVA-7  | Display static transaction log     | ✅ Done |

| AIVA-9  | Draft Smart FX GPT prompt logic    | ✅ Done |

| AIVA-10 | Create Lovable UI element for AI suggestion | ✅ Done |

| AIVA-11 | Test FX trend data with GPT-style response | ✅ Done |

| AIVA-14 | Add FX threshold logic for convert/wait | ✅ Done |

| AIVA-15 | Simulate FX conversions with mock balances | ✅ Done |

| AIVA-52 | Add Green FX carbon badge to Smart FX UI  | ✅ Done |

| AIVA-53 | Add Compliance & Risk collapsible panel to UI | ✅ Done |



---



## 📊 Sprint 2 Summary (15–31 Aug 2025)

| Task ID | Title | Status |

|---------|-------|--------|

| AIVA-17 | Create GitHub repo aiva-wallet     | ✅ Done |

| AIVA-18 | Write README.md with vision and stack | ✅ Done |

| AIVA-19 | Add mockdata and ai folders in GitHub | ✅ Done |



**Health:** Sprint 2 completed successfully.



- Repo + README finalized.  

- `fx_conversion_sim.py` enhanced with: carbon footprint estimation, compliance stub, and transaction logging.  

- CLI runs tested with both small and large trades.  

- All deliverables closed on **31 Aug 2025**.  



---



## 📊 Sprint 3 Progress (2–22 Sep 2025)

**Status as of 22 September 2025: Compliance enrichment nearing completion**



| Task ID  | Title                                               | Status        |

|----------|-----------------------------------------------------|---------------|

| AIVA-46  | Compliance Rule Engine (thresholds)                 | ✅ Done       |

| AIVA-47  | Velocity & Pattern Checks (structuring)             | ✅ Done       |

| AIVA-48  | Enrich transaction log with compliance metadata     | ⏳ In Progress|

| AIVA-49  | Audit Logging framework                             | ✅ Done       |

| AIVA-50  | Privacy & Data Mapping (APP)                        | ⏳ In Progress|

| AIVA-51  | AI Ethics Safeguards                                | ⏳ In Progress|

| AIVA-52  | Collapsible Compliance Panel UI                     | ⏳ In Progress|

| AIVA-53  | Compliance Alerts UI                                | ⏳ In Progress|

| AIVA-106 | Implement compliance rule engine (thresholds, velocity, sanctions) | ✅ Done |



**Highlights Today (22 September 2025):**

- Refined **`ai/fx_conversion_sim.py`** with full compliance logic: threshold checks, velocity detection, and sanctions mock.  

- Integrated **audit logging** to `fx_data/audit_log.json` using a standardized writer (`write_audit`) and documented schema (`docs/audit_log_schema.md`).  

- CLI test runs: clear (small), review (>10k USD), blocked (>50k USD), and velocity (≥3 trades in 60s).  

- During large tests, insufficient balances triggered overdraft prevention as expected — captured in logbook.  

- Logbook updated for **22 Sep 2025**.  



---



## 🔄 Reset (1 Oct 2025)

- **New 90-day plan launched (Oct–Dec 2025).**

- Repo restructured with compliance-first focus:

  - `/compliance`, `/docs`, `/tests` created.  

  - Drafted **Mission.md** with 4 core pillars:  

    1. Borderless multi-currency wallet  

    2. Compliance-first design  

    3. Blockchain-anchored statements  

    4. AI-resistant, auditor-friendly exports  

- Logbook updated to mark reset milestone.  



---



## 🧠 Module Progress

1. **Wallet UI (/lovable_ui)**  

   - ✅ Dashboard, balances, FX converter, static log.  

   - ✅ Smart FX Recommendation with Green FX badge.  

   - ✅ Collapsible compliance panel.  

   - ⏳ Pending: compliance alerts, timeline transaction view, dark mode toggle.  



2. **Smart FX AI Engine (/ai)**  

   - Fully enriched `fx_conversion_sim.py` with compliance + audit logging.  

   - Thresholds, velocity, sanctions checks, and carbon estimation integrated.  



3. **FX Data Store (/fx_data)**  

   - `transactions_log.json` → enriched with compliance & carbon.  

   - `audit_log.json` → standardized audit events (`conversion_attempt`, `conversion_settled`).  



4. **Compliance (/compliance)**  

   - Reset structure added.  

   - `kyc_flow.md` scaffolded.  

   - `risk_log.json` scaffolded.  



5. **Docs (/docs)**  

   - `Mission.md` reset pillars defined.  

   - Privacy, governance, and AI ethics files scaffolded.  



6. **Tests (/tests)**  

   - OCR and compliance test logs to be added (Nov 2025).  



---



## 🧭 What’s Next

- Complete reset tasks: fill Mission.md, draft KYC flow, add first risk log.  

- Resume Sprint 3 compliance enrichment.  

- Begin Sprint 4 in October: FastAPI endpoints (`/convert`, `/balances`, `/transactions`).  

- Prototype Cloked Compliance: statement hashing + blockchain anchoring + cloaked exports.  



---



## 👤 Built By

**Chirantan (Chris) Gogoi**  

📍 Based in Australia  

🔭 Exploring the future of money, wallets, AI, and cross-border solutions  

💼 Solo founder in learning & prototyping phase