System Requirements Document (SRD)

Project Name: silent-transactions

1. Introduction

The silent-transactions project aims to revolutionize personal finance management for general users by providing an AI-powered personal finance analyzer. This system is designed to address the common pain points of financial tracking, such as messy bank statements, lack of spending insights, and absence of alerts for overspending or unusual transactions. By leveraging cutting-edge AI technologies, silent-transactions empowers users to gain financial awareness and control in an intuitive and user-friendly manner.

This document outlines the system requirements for silent-transactions, tailored to the needs of users in India (IN), with locale-specific considerations such as currency (₹) and timezone (IST).

2. System Overview

The silent-transactions system is a mobile-first application with optional desktop support, designed to simplify financial tracking and analysis for general users. The system enables users to upload financial data, automatically categorize transactions, detect anomalies, visualize spending patterns, and receive actionable insights.

Key Features:

1. Data Import: Users can upload CSV files containing bank or expense data.
2. Smart Categorization: Transactions are automatically classified into categories like Food, Travel, Bills, etc.
3. Anomaly Detection: Alerts for unusual or high spending patterns.
4. Data Visualization: Intuitive charts (pie charts, line graphs) for easy understanding of spending habits.
5. Budget Tracking: Users can set budgets and receive alerts when they exceed them.
6. Smart Insights: Personalized suggestions to optimize spending.
7. Location-Based Insights: Automatic detection of transaction sources (e.g., Swiggy for food, Uber for transport).

3. Functional Requirements

• As a User, I should be able to upload a CSV file containing my financial data.
• As a User, I want the system to automatically categorize my transactions into predefined categories like Food, Travel, Bills, etc.
• As a User, I should receive alerts for unusual or high spending patterns.
• As a User, I want to view my spending data in visual formats like pie charts and line graphs.
• As a User, I should be able to set a monthly budget and receive alerts when I exceed it.
• As a User, I want to receive insights such as "You spent 40% on Food" or "Reduce online shopping."
• As a User, I want the system to detect transaction sources (e.g., Swiggy → Restaurant, Uber → Transport).

4. User Personas

1. General User

• Description: Individuals looking to manage their personal finances effectively.
• Goals:
  • Track spending habits.
  • Gain insights into financial behavior.
  • Avoid overspending.
• Pain Points:
  • Messy bank statements.
  • Lack of financial awareness.

5. Visuals Colors and Theme

Color Palette:

The theme for silent-transactions is inspired by financial clarity and calmness, with a modern and professional touch.

• Background: #F4F9F9 (Soft Mint White)
• Surface: #E8F1F2 (Light Aqua)
• Text: #2C3E50 (Deep Navy Blue)
• Accent: #16A085 (Emerald Green)
• Muted: #BDC3C7 (Soft Gray)

6. Signature Design Concept

Interactive Financial Galaxy

The homepage of silent-transactions will feature an Interactive Financial Galaxy. Users will be greeted with a dynamic, 3D galaxy where each star represents a spending category (e.g., Food, Travel, Bills).

• Animation:

  • Stars gently pulse and glow, creating a sense of movement and life.
  • Hovering over a star reveals its category and percentage of total spending.
  • Clicking on a star zooms in to show detailed insights for that category.

• Transitions:

  • Smooth zoom-in and zoom-out effects when navigating between stars.
  • Subtle color shifts in the galaxy background based on time of day (e.g., dawn, dusk).

• Micro-Interactions:

  • Stars sparkle when hovered over.
  • Budget alerts appear as shooting stars crossing the galaxy.

This design creates an unforgettable first impression while making financial data exploration engaging and intuitive.

7. Non-Functional Requirements

• Performance: The system should process and categorize a CSV file with up to 10,000 transactions within 5 seconds.
• Scalability: The backend should handle up to 1 million users concurrently.
• Security: All financial data must be encrypted during upload and storage.
• Localization: Support for Indian currency (₹) and timezone (IST).
• Accessibility: The app must comply with WCAG 2.1 standards for accessibility.

8. Tech Stack

Frontend:

• React for Web
• React Native for Mobile

Backend:

• Python
• FastAPI

Database:

• MySQL (with Alembic for migrations)

AI Models:

• GPT 5.4 for user-friendly responses
• Claude 4.6 Opas for coding-related insights
• Google Nano Banana for image generation

AI Tools:

• Langchain
• Litellm for LLM Routing

Orchestration:

• Docker and Docker-Compose for local development
• Kubernetes for server-side orchestration

9. Assumptions and Constraints

Assumptions:

• Users will primarily interact with the system via mobile devices.
• Users will upload CSV files in a standard format provided by their banks.
• The system will initially support only Indian banks and financial institutions.

Constraints:

• The system must comply with Indian data protection laws (e.g., IT Act, 2000).
• Budget alerts and insights will be limited to predefined categories in the initial release.

10. Glossary

• CSV: Comma-Separated Values, a file format for tabular data.
• Anomaly Detection: Identifying unusual patterns or outliers in data.
• Budget Tracking: Monitoring expenses against a predefined spending limit.
• Localization: Adapting the system to a specific region or culture.
• WCAG: Web Content Accessibility Guidelines, standards for making web content accessible.