Leger_OS – Personal finance mainframe with paycheck cycle burn modeling

LEGER_OS, a mobile-first personal finance operating system, launched with a paycheck cycle burn modeling engine that eliminates third-party banking aggregators by using device-level notification listeners and webhook automations. The platform, available as an Android APK and PWA, claims to avoid the ~22% sync failure rate and privacy vulnerabilities of incumbents like YNAB, Monarch, and Copilot, while supporting AI integrations including Google Gemini, OpenAI, Groq, and local Ollama.

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 https://leger-os.vercel.app Install via Safari / Chrome "Add to Home Screen" Android Native APK: Download Direct APK https://leger-os.vercel.app/downloads/leger-os.apk Traditional personal finance applications YNAB, Monarch, Copilot charge $70–$120/year while relying on third-party Open Banking aggregators Plaid, Salt Edge, GoCardless . In practice: High Sync Failure Rate ~22% : Bank API connections routinely break, requiring constant re-authentication. Privacy Vulnerabilities: Users must hand over banking login credentials to foreign third-party intermediaries. Rigid Calendar Slicing: Incumbents force tracking into calendar months Day 1–31 , ignoring real-world bi-weekly, 4-week, or irregular salary deposit cycles. LEGER OS eliminates aggregators entirely by replacing them with local device-level notification listeners and webhook automations. - Uses a custom Capacitor Java plugin LegerBankSyncPlugin with a native NotificationListenerService . Zero Storage: Payment push notifications are processed in device memory via deterministic regex parsing to extract merchant, amount, and currency. The raw text and any PII/OTPs are discarded immediately. Agnostic to Any Bank: Supports any banking application, digital wallet MB WAY, Apple Pay, Google Wallet , fintech Revolut, Wise, N26 , or broker XTB, Trade Republic installed on your device. - Provides a secure, private webhook endpoint /api/transactions/device-push . - Integrates directly with native Apple Shortcuts automations triggered upon Apple Pay transactions with zero cloud credential sharing. Future liquidity is projected daily using statistical analysis rather than static historical averages: - Recency Decay Weighting Spending velocity applies exponential time-decay weighting ~6-day half-life , prioritizing recent spending momentum over older expenses.$\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 /tiago-quinha/LEGER OS/blob/master/LICENSE file.