Hey-Salad/ynab-sms-solution

HeySalad ® Pay Zambia SMS Solution # YNAB SMS Ingestion (Supabase Edge + Gemini AI) Automatically captures transaction SMS messages from Zambian banks and mobile money services, then imports them into YNAB (You Need A Budget). **Powered by Google Gemini AI** for intelligent SMS parsing — no brittle regex rules! ## How it works 1. **iOS Shortcut** triggers when you receive **any SMS**. 2. The Shortcut sends the SMS to your **Supabase Edge Function**. 3. **Gemini AI** analyzes the message to determine if it's a real transaction. 4. If it is, the function extracts amount, direction, payee, and category. 5. The transaction is **posted to YNAB** for your review. > **Why process ALL messages?** Zambian banks use different currency formats—`ZMW`, `K`, `Kwacha`—so filtering by "ZMW" would miss some transactions. The AI handles filtering, so it's safe to send everything. ## Why AI? Traditional regex-based parsing has problems: - ❌ Too strict → misses valid transactions with unusual formats - ❌ Too loose → imports spam/promos that mention amounts ("WIN ZMW 5,000!") - ❌ Breaks when banks change message formats Gemini AI understands **context**: - ✅ Knows "WIN ZMW 5,000!" is a promo, not a transaction - ✅ Handles casual mentions of money in conversations - ✅ Adapts to new message formats automatically - ✅ Extracts payee names and suggests categories - ✅ Understands all currency formats: `ZMW`, `K`, `Kwacha` ## Features - 🤖 **AI-powered parsing** — Gemini understands context, not just patterns - 💰 **Smart amount extraction** — Gets transaction amount, not balance - ↔️ **Direction detection** — Knows inflow vs outflow from context - 👤 **Smart payee matching** — Matches existing YNAB payees only (never creates new ones) - 🏷️ **Smart category matching** — Matches against your actual YNAB categories - 📝 **Clean memos** — AI generates detailed, organized memos - 🏦 **Multi-account routing** — Routes by SMS sender or account ending - 🔄 **Deduplication** — Same SMS won't create duplicate transactions - ✋ **Ma …