Open Net Worth
Open Net Worth is an open-source personal AI wealth assistant you run yourself: one ledger for your whole financial life, worked by an AI agent you control.
Open-source peer-to-peer energy billing and payment service (Horizon Europe INTELLIGENT, T5.6 / D5.5). Deploy it on your own infrastructure.
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Billing and payment service of the Horizon Europe project INTELLIGENT (GA 101160678). It covers Task T5.6 and Deliverable D5.5. The software is published under Apache-2.0 so any organisation can run it on their own infrastructure.
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Validation (D5.5 V1)
Billing and payment service of the Horizon Europe project INTELLIGENT (GA 101160678). It covers Task T5.6 and Deliverable D5.5. The software is published under Apache-2.0 so any organisation can run it on their own infrastructure.
Start here for adopters: Public documentation (GitHub Pages) — introduction, deploy-your-own, configuration, adapters, contribute. Source for that site: apps/site (VitePress).
The service turns energy trades settled on a local market into peer-to-peer invoices and payments between community members, then publishes results to a project data space (EWDS).
Status: V1 — target D5.5 at M24 (30/11/2026). Every community runs in virtual mode. The only required real external integration is Stripe in test mode (or your PSP adapter). GSY DEX, EWDS and ECB rates ship with mock adapters (assumption A32).
Documented in the functional architecture and requirements (assumptions A19–A22, business rules BR-01…BR-13):
| Rule | Meaning |
|---|---|
| One invoice per pair | Each consumer→producer pair gets one invoice per period, issued in the producer’s name (self-billing) |
| Netting | Purchases and sales between the same pair are netted |
| Threshold | Amounts below a community threshold (e.g. 5 €/CHF) are carried forward; early settlement is possible |
| Direct payment | Money never transits through the platform — the consumer pays the producer’s Stripe Connect account |
| Off-invoice grid costs | Grid fees, taxes and levies stay on the supplier/DSO bill (A20) — not on P2P invoices |
| Market price is final | Billing never recomputes market results or changes a trade status |
Five validated views (iterative, each refining the previous):
| View | File | Answers |
|---|---|---|
| Functional | 01-functional-architecture.md | Actors, processes, objects, BR-01…BR-13 |
| Logical | 02-logical-architecture.md | Blocks, data ownership, events, jobs |
| Application | 03-application-architecture.md | Modules AC-01…AC-15, APIs, adapters, mocks S1–S13 |
| Technical | 04-technical-architecture.md | Decisions TD-1…TD-13, principles TP-1…TP-8 |
| Physical | 05-physical-architecture.md | Environments, Scaleway Kapsule (nl-ams), ops |
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