A next-gen multi-currency wallet with AI-powered smart FX recommendations, live trend analysis, environmental impact tracking, and DeFi-friendly architecture — designed and built by a solo founder to explore the future of money, cross-border finance, and digital wallets.
Aiva is a build + learn journey to explore how the future of money is being shaped by:
- Smart FX engines
- Real-time trend data
- AI UX logic
- Environmental impact tracking (Green FX)
- Multicurrency interoperability
- Blockchain + DeFi infrastructure
- Compliance & risk intelligence
├── ai/ # Smart FX engine & simulations
│ ├── fx_trend_analysis.py
│ ├── fx_trend_with_threshold.py
│ ├── fx_conversion_sim.py # FX simulation with compliance + audit logging
│ └── carbon_estimator.py
│
├── fx_data/ # Mock FX, balances, transaction, and carbon data
│ ├── fxrates.json
│ ├── balances.json
│ ├── transactions_sample.json
│ ├── transactions_log.json # enriched with compliance + carbon
│ ├── audit_log.json # structured audit log
│ └── carbon_factors.json
│
├── lovable_ui/ # UI exported from Lovable (Markdown + assets)
│ ├── ai_suggestion_component.md
│ ├── compliance_collapsible_panel.md
│ └── Smart Fx.png
│
├── compliance/ # NEW: compliance-first reset
│ ├── kyc_flow.md # KYC/AML notes and flows
│ ├── risk_log.json # Risk factors log
│
├── designs/ # UI concepts
├── screenshots/ # Output snapshots for tracking
├── docs/
│ ├── Mission.md # Reset vision pillars
│ ├── audit_log_schema.md # Schema for audit events
│ ├── privacy_compliance.md # Privacy + compliance scaffolding
│ ├── governance.md # Governance and regulator engagement notes
│ └── ai_ethics.md # AI safety & ethics documentation
│
├── tests/ # OCR, compliance, and anchoring test results
│ ├── ocr_results.md
│
├── logbook.md # Daily build journal
└── README.md # Project overview
| Task ID | Title | Status |
|---|---|---|
| AIVA-4 | Design wallet dashboard in Lovable | ✅ Done |
| AIVA-5 | Add 3 currency balance blocks | ✅ Done |
| AIVA-6 | Create FX converter UI | ✅ Done |
| AIVA-7 | Display static transaction log | ✅ Done |
| AIVA-9 | Draft Smart FX GPT prompt logic | ✅ Done |
| AIVA-10 | Create Lovable UI element for AI suggestion | ✅ Done |
| AIVA-11 | Test FX trend data with GPT-style response | ✅ Done |
| AIVA-14 | Add FX threshold logic for convert/wait | ✅ Done |
| AIVA-15 | Simulate FX conversions with mock balances | ✅ Done |
| AIVA-52 | Add Green FX carbon badge to Smart FX UI | ✅ Done |
| AIVA-53 | Add Compliance & Risk collapsible panel to UI | ✅ Done |
| Task ID | Title | Status |
|---|---|---|
| AIVA-17 | Create GitHub repo aiva-wallet | ✅ Done |
| AIVA-18 | Write README.md with vision and stack | ✅ Done |
| AIVA-19 | Add mockdata and ai folders in GitHub | ✅ Done |
Health: Sprint 2 completed successfully.
- Repo + README finalized.
fx_conversion_sim.pyenhanced with: carbon footprint estimation, compliance stub, and transaction logging.- CLI runs tested with both small and large trades.
- All deliverables closed on 31 Aug 2025.
Status as of 22 September 2025: Compliance enrichment nearing completion
| Task ID | Title | Status |
|---|---|---|
| AIVA-46 | Compliance Rule Engine (thresholds) | ✅ Done |
| AIVA-47 | Velocity & Pattern Checks (structuring) | ✅ Done |
| AIVA-48 | Enrich transaction log with compliance metadata | ⏳ In Progress |
| AIVA-49 | Audit Logging framework | ✅ Done |
| AIVA-50 | Privacy & Data Mapping (APP) | ⏳ In Progress |
| AIVA-51 | AI Ethics Safeguards | ⏳ In Progress |
| AIVA-52 | Collapsible Compliance Panel UI | ⏳ In Progress |
| AIVA-53 | Compliance Alerts UI | ⏳ In Progress |
| AIVA-106 | Implement compliance rule engine (thresholds, velocity, sanctions) | ✅ Done |
Highlights Today (22 September 2025):
- Refined
ai/fx_conversion_sim.pywith full compliance logic: threshold checks, velocity detection, and sanctions mock. - Integrated audit logging to
fx_data/audit_log.jsonusing a standardized writer (write_audit) and documented schema (docs/audit_log_schema.md). - CLI test runs: clear (small), review (>10k USD), blocked (>50k USD), and velocity (≥3 trades in 60s).
- During large tests, insufficient balances triggered overdraft prevention as expected — captured in logbook.
- Logbook updated for 22 Sep 2025.
- New 90-day plan launched (Oct–Dec 2025).
- Repo restructured with compliance-first focus:
/compliance,/docs,/testscreated.- Drafted Mission.md with 4 core pillars:
- Borderless multi-currency wallet
- Compliance-first design
- Blockchain-anchored statements
- AI-resistant, auditor-friendly exports
- Logbook updated to mark reset milestone.
-
Wallet UI (/lovable_ui)
- ✅ Dashboard, balances, FX converter, static log.
- ✅ Smart FX Recommendation with Green FX badge.
- ✅ Collapsible compliance panel.
- ⏳ Pending: compliance alerts, timeline transaction view, dark mode toggle.
-
Smart FX AI Engine (/ai)
- Fully enriched
fx_conversion_sim.pywith compliance + audit logging. - Thresholds, velocity, sanctions checks, and carbon estimation integrated.
- Fully enriched
-
FX Data Store (/fx_data)
transactions_log.json→ enriched with compliance & carbon.audit_log.json→ standardized audit events (conversion_attempt,conversion_settled).
-
Compliance (/compliance)
- Reset structure added.
kyc_flow.mdscaffolded.risk_log.jsonscaffolded.
-
Docs (/docs)
Mission.mdreset pillars defined.- Privacy, governance, and AI ethics files scaffolded.
-
Tests (/tests)
- OCR and compliance test logs to be added (Nov 2025).
- Complete reset tasks: fill Mission.md, draft KYC flow, add first risk log.
- Resume Sprint 3 compliance enrichment.
- Begin Sprint 4 in October: FastAPI endpoints (
/convert,/balances,/transactions). - Prototype Cloked Compliance: statement hashing + blockchain anchoring + cloaked exports.
Chirantan (Chris) Gogoi
📍 Based in Australia
🔭 Exploring the future of money, wallets, AI, and cross-border solutions
💼 Solo founder in learning & prototyping phase