Anya.fi – Agentic Financial Co-Pilot on WhatsApp & Telegram

Stop managing money. Start building wealth.

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📌 Overview

Most financial apps fail because they expect discipline from users who are already overwhelmed. Dashboards and budgets don’t change behavior — timely, contextual, psychologically aware guidance does.

Anya.fi is a proactive Agentic AI that lives inside WhatsApp and Telegram, not a standalone mobile app.
It analyzes financial activity in real time and nudges users using human-like, empathetic conversation.

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❗ Problem We Solve

Traditional financial apps are:

• Passive dashboards
• Information-heavy
• Not behavior-changing
• Built for users with time & discipline

For gig workers, freelancers & stressed millennials:

• Income is volatile
• Spending is unpredictable
• No one has time for budgeting

They need guidance, not graphs.

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🌟 Our Solution: Chat-First Financial Co-Pilot

Core Principles

• Zero Input — No manual logging or categorization
• Proactive AI Assistant
• Conversational nudges instead of notifications
• Lives on WhatsApp & Telegram
• Uses Account Aggregator for secure data
• Behavioral psychology-driven design

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🧠 Core Experience

✔ User chats with Anya on WhatsApp or Telegram

✔ Anya ingests transactions using Account Aggregator

✔ LLM interprets spending context

✔ Agent orchestrates plugins automatically

✔ Chat messages deliver personalized nudges

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🏗 Architecture

                [User] 
                   |
         WhatsApp / Telegram Bots
                   |
          ┌────────────────────┐
          │ Messaging Adapters │
          └────────────────────┘
                   |
          ┌────────────────┐
          │     MCP Layer  │
          │  (Agent Brain) │
          └────────────────┘
        Observe → Reason → Act
                   |
          ┌──────────────────┐
          │     LLM Core     │
          └──────────────────┘
       /       |         |         \
Account   GoalTracker   Plugins     Tools
Aggregator    DB      (Zomato,   (Browser ext,
   API                 MagicBricks, AA Consent)
                     PaytmInsider)

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🔌 Plugin Ecosystem

1️⃣ Anti-Impulse Sphere

Detects checkout pages via browser extension → triggers intervention via WhatsApp/Telegram.

2️⃣ Future-Self Synthesizer

Generates personalized images of the user’s dream home or long-term goals using real real-estate data.

3️⃣ Social Currency Optimizer

Recommends socially intelligent alternatives when peer pressure causes costly plans.

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🛠 Tech Stack

Backend

• FastAPI (Python)
• PostgreSQL (Primary Database)
• Redis (Agent memory + session state)
• SQLAlchemy ORM

AI Layer

• OpenAI/ Groq LLM (Agent Brain)
• Model Context Protocol (MCP) for tool orchestration
• Image Generation: OpenAI / Gemini

Integrations

• Account Aggregator (Finvu Sandbox)
• Zomato API
• MagicBricks / 99acres APIs
• PaytmInsider API

User-Facing Messaging

• WhatsApp Business Cloud API
• Telegram Bot API
• Chrome Extension (Anti-Impulse Plugin)

Deployment

• Docker
• Railway / Render for backend
• Ngrok for local webhook testing

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🚀 Development Roadmap

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Phase 0 — Pre-Build Setup

• Create WhatsApp Business App
• Create Telegram Bot using BotFather
• Configure webhook + verify tokens
• Setup FastAPI project structure
• Initialize PostgreSQL + schemas
• Register with A.A sandbox
• Setup Redis for session state
• Create .env and config management

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Phase 1 — MVP

🎯 Features

• WhatsApp + Telegram bot both live
• AA consent + fetch transactions
• Transaction categorization
• Goals storage
• MCP loop: Observe → Reason → Act
• Basic nudges delivered via WhatsApp

🎯 User Flow

1. User: “I want to save for a laptop”
2. System stores goal
3. When overspending occurs → friendly nudge on WhatsApp & Telegram

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Phase 2 — Plugin Development

🟣 Plugin 1: Anti-Impulse Sphere

• Build Chrome extension
• Detect checkout URLs
• Emit event → backend
• Trigger AI intervention

🟡 Plugin 2: Future-Self Synthesizer

• Fetch real estate data
• Generate emotional future-goal image
• Assign as goal thumbnail

🟢 Plugin 3: Social Currency Optimizer

• Fetch location + alternatives
• Draft socially intelligent message
• Deliver via WhatsApp & Telegram

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Phase 3 — Full Product Hardening

• Reliability improvements
• Better conversation memory
• User analytics dashboard
• Auto-savings workflows
• Personalized investment nudges
• Behavioral insights engine

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🧩 Folder Structure

anya-fi/
 ├── backend/
 │    ├── main.py
 │    ├── agents/
 │    │     ├── mcp.py
 │    │     ├── impulse_agent.py
 │    │     ├── future_self_agent.py
 │    │     ├── social_agent.py
 │    ├── messaging/
 │    │     ├── whatsapp.py
 │    │     ├── telegram.py
 │    ├── plugins/
 │    ├── whatsapp/
 │    ├── db/
 │    │     ├── models.py
 │    │     ├── migrations/
 │    ├── utils/
 │    └── config.py
 ├── chrome-extension/
 ├── docs/
 │    └── architecture.png
 └── README.md

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🧪 How to Run Locally

git clone https://github.com/asyelmoteb22-show/anya-shop-guardian.git
cd anya-shop-guardian

# setup env
cp .env.example .env

# install backend deps
pip install -r requirements.txt

# run FastAPI
uvicorn main:app --reload

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🌱 Future Roadmap

• Multilingual support
• Instagram support
• Automated SIP + investment plans
• Emotional-AI personality modes
• Tax advisory assistant
• Personalized bill negotiation AI

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📄 License

MIT License
© 2025 Anya.fi Team