PsyFi | Building an AI Financial Wellness Platform With Data-Grounded Coaching

About the Client

PsyFi is an AI-powered financial wellness platform designed for users in Canada and the United States. It combines personal financial information with behavioral coaching to help users understand their spending, manage financial goals, and develop healthier money habits.

The platform features Fy, an AI financial coach that provides personalized financial insights and guidance based on users' financial information and behavior.

PsyFi financial wellness platform with Fy AI coaching, connected banking information, and financial dashboards across mobile and web.

About the project

Overview of the Project

GeekyAnts partnered with PsyFi to help develop its AI-powered financial wellness platform across iOS, Android, and web. Our team supported the development of the applications, backend architecture, banking integrations, and Fy, an AI financial coach designed to provide personalized guidance using users' financial information.

We integrated financial data from supported bank accounts and uploaded statements to enable spending insights, financial dashboards, and AI financial coaching. The implementation included specialized AI response modes, checks to flag unsupported monetary figures, and subscription billing.

Our collaboration with PsyFi spanned product architecture, UI/UX design, engineering, AI integration, testing, and release support through MVP completion.

15+

AI Insights Agents

AI Specialist Modes

User Platforms

Business Requirement

PsyFi had a mission - to offer AI-powered financial coaching that helps users understand spending patterns, financial decisions, and money-related behaviors. The platform needed to bring together financial information from different institutions while supporting Canadian and US accounts, multiple currencies, and personalized coaching. A key requirement was keeping AI-generated financial explanations grounded in actual user data.

Key Requirements

Provide a consistent financial wellness experience across iOS, Android, and web, covering spending, budgets, investments, and financial goals.

Connect multiple banking providers and support financial statement uploads as an alternative to linking accounts.

Enable personalized AI coaching that addresses financial questions, spending habits, and emotionally sensitive conversations.

Ensure AI-generated monetary figures can be checked against users' actual financial records.

Support subscriptions, trial access, usage credits, notifications, and administrative controls, with testing and monitoring for ongoing operations.

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Solution

GeekyAnts developed PsyFi across iOS, Android, and web, connecting the applications through a shared backend and an AI financial coaching system. We built Fy using Amazon Bedrock and Claude, with specialized coaching modes and financial data tools. We also implemented checks that compare AI-generated monetary figures against actual financial records to flag unsupported claims.

We integrated Plaid and Flinks for banking connectivity, introduced AI-powered statement processing, and developed dashboards for spending, investments, budgets, and financial goals. The platform also includes behavioral insights that connect spending patterns with users' moods, subscription billing, and background processing for financial data synchronization and other automated tasks.

AI-Powered Financial Insights

GeekyAnts built an AI insights engine with 15+ specialized agents to analyze spending, investments, and financial behaviors, helping users understand their finances and make more informed decisions.

Spending and Cash Flow

Insights into income, expenses, and savings patterns.

Cash Flow
Category Spending
Biggest Expenses
Top Merchants
Recurring Expenses
Monthly Trends
Savings Rate

Investments

Insights into investment holdings, allocation, and decisions.

Investment Insights
Asset Allocation
Capital Gains
Thesis Drift

Behavioral Finance

Insights connecting financial activity with emotional and behavioral patterns.

Mood Spending
Spending Impulsivity
Loss Aversion
Overconfidence
Wellness Reflection

PsyFi on three phones: the money-personality onboarding step, a chat with Fy, and the net-worth dashboard.

CHALLENGES WE SOLVED

PsyFi required an AI system that could work with financial records from different sources while delivering accurate, personalized coaching. GeekyAnts addressed this by introducing checks that flag unsupported financial figures, bringing banking data into a common format, and enabling users to upload statements when account linking was unavailable or not preferred.

We also implemented specialized AI response routing to support different financial and emotional needs. For the AI insights engine, we introduced fault isolation to prevent individual agent failures from disrupting other insight tasks. We also implemented background processing for financial data synchronization and automated workflows.

AI Financial Accuracy

Multi-Provider Bank Connectivity

Statement-Based Onboarding

Context-Aware AI Coaching

Multi-Agent Reliability

Our Approach

GeekyAnts began the PsyFi engagement under a Time and Material (T&M) model, with one full-stack engineer leading the architecture and development. The project progressed through five phases, covering the platform foundation, financial data integration, AI coaching, advanced financial features, and production readiness. Development followed sprint-based delivery, with code reviews, staging validation, client testing, and release support.

Step 1: Platform Foundation
Step 2: Financial Data Integration
Step 3: AI Coaching Development
Step 4: Advanced Financial Features
Step 5: Testing & Production Readiness

We established the application architecture, user authentication, financial personality onboarding, and account management workflows. We also developed the initial subscription, trial, and credit-based access features to support PsyFi's commercial model.

AI financial wellness platform foundation with onboarding, user authentication and subscription access features.

Results

GeekyAnts built PsyFi's AI-powered financial wellness platform across iOS, Android, and web, bringing banking information, personalized coaching, and money management tools into one experience.

We enabled the functionality that allows users to connect bank accounts or upload financial statements to track spending, investments, budgets, and financial goals. We also developed Fy, an AI financial coach that uses this information to provide financial guidance and behavioral insights, with checks to flag unsupported monetary figures.

The platform also supports subscription billing, automated financial data processing, and monitoring tools to review AI performance and maintain application operations.

GeekyAnts completed the MVP, with the client providing positive feedback on technical leadership and engineering delivery. The engagement has since continued under a signed maintenance contract for application support and small enhancements, with further development planned for the next phase.

MVP Delivered

Completed Product Build

AI Financial Coaching

Financial Coaching With Grounding Checks

Ongoing Partnership

Maintenance & Enhancements

Jaspreet has delivered exceptional technical leadership, driving our engineering roadmap forward while establishing a high-performing, resilient platform architecture.

RajPsyFi

The Right Conversation Can Save You Six Months

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