kaosi-anikwe/monimata

A personal finance manager for Nigeria. Automatically sync transactions across all Nigerian banks receipt/statement parsing, track spending with AI-powered insights, and master financial literacy—all in one secure app. # MoniMata > **Every Kobo, Accounted For.** MoniMata (Pidgin: _Money Matters_) is a zero-based budgeting app built specifically for Nigerians. It automatically captures transactions from bank alert emails, lets you give every Naira a job before you spend it, and delivers AI-powered spending nudges in Pidgin English — like a knowledgeable friend advising you, not a cold alert. --- ## The Three Problems MoniMata Solves | Problem | Description | | ----------------- | --------------------------------------------------------------------------------------------------------------------------------------------------- | | **Fragmentation** | Nigerians routinely hold 3–5 bank/fintech accounts (GTBank, Kuda, Zenith, OPay). Knowing your true balance at any moment is manual and error-prone. | | **Friction** | Manual-entry budgeting apps fail because users forget to log small daily spending. If the data isn't there, the budget is fiction. | | **Knowledge Gap** | Users can see what they spent, but the app doesn't tell them how to change their behaviour. Data without guidance doesn't break cycles. | --- ## Features - **Automatic Transaction Capture** — Bank alert emails are forwarded by a Cloudflare Worker and parsed into transactions automatically - **Receipt Upload** — Snap or export a bank transaction receipt (JPEG, PNG, WebP, or PDF); the bank and account are identified automatically via OCR and a pluggable parser registry - **Statement Upload** — Upload a bank statement PDF directly from the app; all transactions are imported in the background with full deduplication - **Manual Transaction Entry** — Log cash purchases and any transaction not covered by the above channels - **Zero-Based Budgeting** — Every Naira assigned to a category before it is spent (YNAB model: TBB …