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Open Banking account information app on the PSD2 sandboxes of UniCredit, Commerzbank, Nordea and ING: mTLS, OAuth2, HTTP Signatures, self-hosted OCSP and CRL, and a Claude Haiku assistant whose tools compute every figure.
README 전체를 불러오는 중입니다. 아래는 저장된 발췌입니다.
An Open Banking account information app. It connects to the PSD2 developer sandboxes of 4 European banks, shows every account in one place, and answers money questions across banks with Claude Haiku while code computes every figure.
Live demo: https://fintnet.ai (sign in with any test login below)
Operations view: https://ops.fintnet.ai (admin sign-in only; ask for access)README 전문 보기 ↗An Open Banking account information app. It connects to the PSD2 developer sandboxes of 4 European banks, shows every account in one place, and answers money questions across banks with Claude Haiku while code computes every figure.
Live demo: https://fintnet.ai (sign in with any test login below)
Operations view: https://ops.fintnet.ai (admin sign-in only; ask for access)
Test data only. UniCredit, Commerzbank, Nordea and ING connect to each bank's public PSD2 developer sandbox with test users. The demo logins also hold generated accounts at those banks, tagged as generated in the app. No real customer data is used anywhere.
| Page | Shows |
|---|---|
| Connect | One card per bank, consent status, connect and disconnect, and alerts on recurring spend (price rises, overlapping subscriptions, fixed charges as a share of income) |
| Dashboard | Spending, income and net cash flow for a date range with the change on the previous period, spending by category and by bank, 6 months of expenses, top merchants, recent transactions |
| Balances | Every account across every bank, with SEK and other currencies converted to EUR at ECB rates |
| Spending | Categories with a per-bank split and the change on the previous period |
| Recurring | Fixed and variable recurring payments and recurring income, detected from 2 or more months of history |
| Ask | Questions about money across all connected banks, answered by Claude Haiku from deterministic tools |
| Operations (ops.fintnet.ai) | Daily job runs, categoriser accuracy by day, certificate and revocation health, model usage, and a search over the event log in a subset of Splunk's SPL. Admin accounts only, on its own host |
The app is multi-tenant: each login sees only its own connections and data. Disconnecting revokes the connection and keeps the history.
Transfers between a user's own accounts count in balances but not in income or spending. Every stored transaction keeps its counterparty IBAN (creditorAccount or debtorAccount); when that IBAN belongs to another of the same user's accounts, the dashboard, spending, recurring payments, spend alerts and the assistant's figures leave it out. The recent-transactions list tags it "Own transfer".
All logins use the password TestPass123. The login page lists them as chips that fill in the form. Each login is the test user in one bank's live sandbox (its home bank), and also holds generated accounts at one or more of the 4 banks, so questions across banks have 13 months of data to answer from.
| Login | Live sandbox (home bank) | Generated accounts |
|---|---|---|
[email protected] | UniCredit (IT), account IT18L0200811770000019486580 | UniCredit current and savings, Commerzbank card account |
[email protected] | Commerzbank (DE), 2 EUR accounts | Commerzbank current and savings, ING card account |
[email protected] | Nordea (FI), 3 EUR accounts | Nordea current and savings, UniCredit everyday account |
[email protected] | Nordea (SE), SEK and EUR accounts | Nordea current account (SEK), ING savings, Commerzbank card account, UniCredit everyday account |
[email protected] | ING (NL), profile "Hr A van Dijk, Mw B Mol-van Dijk" | ING current and savings, Commerzbank card account |
Every login sees all 4 banks and picks which to connect:
| Connecting | What happens |
|---|---|
| The home bank | The bank's live sandbox flow, then the login's generated accounts at that bank are added too |
| Another bank where the login holds generated accounts | A sign-in and consent screen in that bank's colours lists the generated accounts |
| A bank where the login holds no account | The sign-in fails and nothing is connected |
Live sandbox consent steps:
| Bank | Consent step in the sandbox |
|---|---|
| UniCredit | Sign in as ituser2bgk / pwituser2bgk (UniCredit developer portal, Test Data page), grant the consent, press Proceed |
| Commerzbank | PSU-ID DE80480800200405423400; the sandbox consent is pre-approved |
| Nordea | No bank login: the sandbox approves the consent. Choose FI or SE |
| ING | Pick the profile on ING's page, then paste the code at /ing/enter-code |
Accounts created through sign-up hold no generated accounts and use the live sandbox flow at every bank.
The model is Claude Haiku 4.5 (claude-haiku-4-5). fintnet/ai/llm.py is the only module that calls it, with a per-instance call cap (LLM_MAX_CALLS), typed errors and a Langfuse trace for every call.
/ask)fintnet/ai/assistant.py gives the model 7 deterministic tools:
여기까지가 README 앞부분입니다. 나머지는 원문에서 읽을 수 있습니다. README 전문 보기 ↗