introducing onefi

onefi is a personal finance platform that does something most finance tools don't: it treats your entire financial life as one system.

the problem with existing tools is they solve the wrong thing. they track spending after the fact and show charts. what's missing is a system that understands your financial position across every dimension — income, obligations, investments, business entities — and actively helps you make better decisions before problems compound.

onefi aggregates all accounts into a user-defined portfolio hierarchy. it connects to banks via plaid, tracks transactions against budgets, monitors investments, and provides ai-driven coaching grounded in actual data. personal accounts, business entities, and investment vehicles all show up in the same picture.

the development approach is what makes it interesting from an engineering perspective. onefi is built using the dark factory pattern — a methodology where the wall between code generation and code evaluation is the whole game. 25 behavioral scenarios describe exactly how every feature should work. a separate evaluation process derives holdout tests that the builder agent never sees. same principle as train/test separation in machine learning.

phase 1 is complete: all 25 scenarios written and validated. phase 2 focuses on real-world data integration — connecting actual accounts, importing historical transactions, and proving the system works with real financial data.

read the full breakdown on the onefi showcase page.