AI Agent

Claude-powered financial analysis engine with automated insights, trading recommendations, and alerts.

Capabilities

Capability	Description
Spending Analysis	Categorize and analyze transaction patterns
Budget Monitoring	Track spending against budgets, alert on anomalies
Market Sentiment	Analyze economic indicators and market conditions
Trade Recommendations	AI-driven buy/sell suggestions with rationale
Natural Language	Chat interface for financial queries

Analysis Cycle

Every 30 Minutes:
    │
    ├─▶ Fetch Recent Transactions
    │       │
    │       ▼
    ├─▶ Analyze Spending Patterns
    │       │
    │       ▼
    ├─▶ Check Budget Thresholds
    │       │
    │       ▼
    ├─▶ Generate Insights
    │       │
    │       ▼
    └─▶ Send Notifications (if needed)

Data Models

AIInsight

Generated insights and recommendations.

class AIInsight:
    insight_type: str           # spending, budget, market, recommendation
    title: str
    content: str                # Detailed analysis
    severity: str               # info, warning, critical
    category: Category          # Related category (optional)
    data: dict                  # Supporting data
    created_at: datetime
    acknowledged: bool

TradeRecommendation

AI-suggested trades with full rationale.

class TradeRecommendation:
    symbol: str                 # Stock ticker
    action: str                 # buy, sell, hold
    quantity: int
    target_price: Decimal
    rationale: str              # AI explanation
    confidence: float           # 0-1 confidence score
    market_conditions: dict
    status: str                 # pending, approved, executed, rejected

TradeExecution

Record of executed trades.

class TradeExecution:
    recommendation: TradeRecommendation
    executed_at: datetime
    executed_price: Decimal
    executed_quantity: int
    fees: Decimal
    status: str                 # success, failed, partial
    schwab_order_id: str

SpendingAlert

Automated spending alerts.

class SpendingAlert:
    alert_type: str             # large_transaction, budget_warning, unusual
    category: Category
    amount: Decimal
    threshold: Decimal
    message: str
    sent_via: list[str]         # sms, email, push

Alert Thresholds

Configure in environment:

# Large transaction alert
LARGE_TRANSACTION_THRESHOLD=500

# Unusual spending (X times normal)
UNUSUAL_SPEND_MULTIPLIER=2.0

# Budget warnings
BUDGET_WARNING_PERCENTAGE=75
BUDGET_CRITICAL_PERCENTAGE=90

Trading Safety Controls

Control	Default	Description
MAX_DAILY_TRADES	$10,000	Maximum daily trade volume
MAX_SINGLE_TRADE	$5,000	Maximum single trade amount
WHITELIST_ONLY	false	Only trade whitelisted symbols
EMERGENCY_STOP	false	Halt all trading
REQUIRE_APPROVAL	true	Human approval for trades

API Endpoints

Insights

GET  /api/ai/insights/           # Recent insights
GET  /api/ai/insights/{id}/      # Insight details
POST /api/ai/insights/{id}/ack/  # Acknowledge insight

Recommendations

GET  /api/ai/recommendations/    # Trade recommendations
GET  /api/ai/recommendations/{id}/  # Details
POST /api/ai/execute-trade/      # Execute trade

Chat

POST /api/ai/chat/               # Chat with AI

Request:

{
  "message": "What were my biggest expenses last month?"
}

Response:

{
  "response": "Your biggest expenses last month were...",
  "data": {
    "categories": [...],
    "total": 2500.00
  }
}

Notifications

When alerts are triggered, notifications are sent via configured channels:

Channel	Service	Configuration
SMS	Twilio	TWILIO_ACCOUNT_SID, TWILIO_AUTH_TOKEN
Email	SendGrid	SENDGRID_API_KEY
Push	Firebase	FIREBASE_CREDENTIALS

Scheduled Tasks

Task	Schedule	Description
ai_agent_analysis	Every 30 min	Run full analysis cycle
check_market_conditions	Hourly	Update market sentiment
generate_daily_summary	Daily @ 8 AM	Daily financial summary

Related

• Finance - Financial data models
• Integrations - Schwab trading API
• Webapp Overview - Architecture