Empirical Liquidity Engine & Zero-Credential Financial Intelligence
IMPORTANT:LEGER_OS is architected primarily as a mobile-first operating system(Android Native.apk
/ Mobile Progressive Web App).The core automation capabilities—such as
Zero-Credential Android Push IngestionandiOS Apple Wallet Automations—require a mobile device to capture real-time payment events. Desktop browsers are fully functional for deep ledger audits, but mobile is the primary intended form factor.
Web Application / PWA:https://leger-os.vercel.app(Install via Safari / Chrome*"Add to Home Screen"*)Android Native APK:Download Direct APK
Traditional personal finance applications (YNAB, Monarch, Copilot) charge $70–$120/year while relying on third-party Open Banking aggregators (Plaid, Salt Edge, GoCardless). In practice:
High Sync Failure Rate (~22%): Bank API connections routinely break, requiring constant re-authentication.Privacy Vulnerabilities: Users must hand over banking login credentials to foreign third-party intermediaries.Rigid Calendar Slicing: Incumbents force tracking into calendar months (Day 1–31), ignoring real-world bi-weekly, 4-week, or irregular salary deposit cycles.
LEGER_OS eliminates aggregators entirely by replacing them with local device-level notification listeners and webhook automations.
- Uses a custom Capacitor Java plugin (
LegerBankSyncPlugin
) with a nativeNotificationListenerService
. Zero Storage: Payment push notifications are processed in device memory via deterministic regex parsing to extract merchant, amount, and currency. The raw text and any PII/OTPs are discarded immediately.Agnostic to Any Bank: Supports any banking application, digital wallet (MB WAY, Apple Pay, Google Wallet), fintech (Revolut, Wise, N26), or broker (XTB, Trade Republic) installed on your device.
- Provides a secure, private webhook endpoint (
/api/transactions/device-push
). - Integrates directly with native Apple Shortcuts automations triggered upon Apple Pay transactions with zero cloud credential sharing.
Future liquidity is projected daily using statistical analysis rather than static historical averages:
Recency Decay Weighting ( Spending velocity applies exponential time-decay weighting (~6-day half-life), prioritizing recent spending momentum over older expenses.$\lambda = 0.12$ ): - Heavy Current Cycle Alpha ( Forecasts favor the active paycheck cycle over distant historical baselines:$\alpha \ge 0.65$ ):$$\alpha = \min(1.0, 0.65 + 0.35 \cdot (\text{days elapsed} / \text{total days}))$$ - Zero Synthetic Interpolation: Plotted charts only map executed transactions or verified market ticks—never synthetic linear price interpolations.
Integrated neural interface supporting custom API keys and local offline inference:
**Google Gemini**(`gemini-2.5-pro`
)**OpenAI**(`gpt-4o-mini`
)**Groq**(`llama-3.3-70b-versatile`
)Local Ollama(100% free local offline inference without external API tokens)
Frontend: Next.js 16.2 (Turbopack, App Router), React 19, Tailwind CSS 4, Lucide Icons, Recharts, Framer Motion.Backend & Database: Supabase (PostgreSQL with Row Level Security, Storage, Realtime).Mobile Runtime: Capacitor 6 with native Android Java bridge.AI Bridge: Multi-provider client wrapper with fallback heuristics.Hosting: Vercel Edge Runtime & Serverless Functions.
Zero Bank Logins: LEGER_OS never asks for, stores, or transmits your banking credentials.Encrypted Transmission: All telemetry and database queries are transmitted over 256-bit SSL encryption.Isolated Multi-Tenant Storage: Secured by PostgreSQL Row Level Security (RLS) policies isolating user records strictly to authenticated IDs.
Copyright © 2026 LEGER_OS. All Rights Reserved.
LEGER_OS is source-available software provided under a Strict Proprietary License.
Allowed: Personal, non-commercial educational review, local evaluation, and security auditing.Prohibited: Commercial use, public hosted SaaS/cloud deployments, re-licensing, distribution, mobile app store republishing, or creating unauthorized commercial forks/derivatives.
For full terms and conditions, see the LICENSE file.