poetryy
An AI-powered student neobank: three connected products, real regulated banking, and a financial assistant that streams against live transaction data.
- role
- built the full ecosystem
- when
- 2024
- built with
- react native, next.js, typescript, websocket, aws
three products, one system
- react native app: banking, card management, the in-app assistant
- next.js admin panel: user management, kyc monitoring, college-level config
- next.js landing page
the assistant
poetryy ai is its own backend service and streams over websocket. it reasons over a student's real transactions, so it is a purpose-built financial agent, not a chatbot bolted onto a banking app.
phase one, on testflight by december 2024
- conversational core: multi-turn chat that keeps context across sessions, reads intent from plain language, and picks up stress or confusion in how a question gets asked
- banking data: a secure connector to the live transaction database, so answers come from real spending instead of guesses
- automatic transaction categorization and recurring payment detection
- balance monitoring with alerts that arrive before the problem does
- spending analysis, budget recommendations and savings goals on top of all of it
regulated, not a workaround
mbanq banking-as-a-service for real cards and real accounts, no prepaid shortcut. socure for identity verification end to end: document upload, ssn, address.
security
- jwt auth
- rsa-oaep encryption for card data
- ios keychain for anything sensitive at rest
- 15 minute inactivity timeout with biometric re-auth