AI-Powered Financial Guardian — an intelligent spending intervention platform that doesn't just track your money, it actively protects it.

Built at VandyHacks 2025.

Most budgeting apps tell you what you already spent. Wallet Guard steps in before you overspend.

• Real-time AI voice calls — When you enter a high-spending zone, Wallet Guard calls your phone with a personalized warning based on your actual bank data. Three coaching tones: Gentle, Balanced, or Tough Love.
• Spending zone map — Visualizes where your money goes geographically, color-coded by intensity. Click any zone to see stats and trigger an intervention call.
• Blockchain commitment contracts — Escrow real funds from checking to savings on the Solana blockchain. Commitments are immutable and publicly verifiable — you can't cheat.
• 21-day habit formation — Each commitment locks for 21 days, backed by behavioral science research on habit building.
• AI financial coach — Chat with an AI that has full context of your transactions, balances, and spending patterns.
• Time travel projections — See your financial future 1–30 years out, comparing your current path vs. with Wallet Guard's savings discipline.
• Shareable achievement cards — Canvas-rendered streak cards optimized for social sharing.
• Accessibility — Color blind mode, large text mode, and full Spanish language support.

1. Wallet Guard connects to your bank via the Capital One Nessie API and loads your accounts, balances, and transaction history.
2. Transactions are plotted on an interactive map as spending zones, clustered by merchant location.
3. When you enter a danger zone, an AI coach calls your real phone number with a personalized spending warning using live financial data.
4. To build discipline, you can create commitment contracts — escrow $5–$50 from checking to savings, recorded as immutable memos on Solana devnet.
5. The AI dashboard analyzes your patterns with charts, category breakdowns, and natural language insights.
6. Time Travel mode projects your finances years into the future, showing the compounding impact of better habits.

# Install dependencies
npm install

# Set up environment variables
cp .env.example .env
# Fill in: VITE_NESSIE_API_KEY, VITE_GEMINI_API_KEY, VITE_ELEVENLABS_API_KEY,
#          VITE_MAPBOX_TOKEN, VITE_USER_PHONE_NUMBER

# Run development server
npm run dev

If the Nessie API is unreachable, the app automatically falls back to realistic demo data so the full experience still works.

• Active intervention, not passive tracking — We call you before you spend, not after.
• Skin in the game — Blockchain-backed escrow means real accountability, not just a notification you swipe away.
• Behavioral science — 21-day commitment windows are designed around habit formation research.
• Full accessibility — Color blind friendly, scalable text, and multilingual support make financial wellness accessible to everyone.