wtf is agent-native-finance?

This project is a starter template for building a personal or business finance application, similar in spirit to consumer finance apps like Rocket Money. It connects to your bank accounts through Plaid, a service that securely links banking data to apps, and then uses that data to track recurring bills, payment plans, and projected income. What sets this template apart is that it is built to be used not just by people through a normal interface, but also by AI agents. The same operations that power the app's user interface, such as generating a finance summary or auditing your profile, are also exposed as actions an AI agent can call directly. This means you or a connected agent can ask questions about your accounts and spending and get answers pulled from the same underlying system that runs the app itself. Getting started involves installing Node.js and a package manager called pnpm, copying an example environment file, and running a local development command. From there, you can create your own project based on this template with a single command line tool. The template includes ready made deployment configuration for several hosting providers, including Railway, Netlify, Vercel, and Cloudflare, so you are not locked into one platform. To actually run the finance features, you need to supply your own API keys and secrets, such as credentials for Plaid and for an AI provider like Anthropic or OpenAI, plus a few security related secrets used internally. Optional integrations exist for automatically importing recurring payment data from a service called Recurly, though manual entry works fine without it. This is a developer facing starter kit rather than a finished consumer product. It gives you the working pieces of a finance app and an agent friendly foundation to build on, but you are expected to configure it, supply your own credentials, and extend it for your own use case.