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DhanSathi — AI-Powered Financial Management on Algorand

DhanSathi is a personal finance management platform that combines AI-driven insights with on-chain savings discipline. Users connect their Algorand wallet, set savings goals that are enforced by a smart contract, track spending, and get personalised financial advice from a built-in AI advisor — all in one progressive web app.

Hackathon Requirements & How We Fulfil Them

Requirement Status Details
All smart contracts deployed to Algorand Testnet ✅ SavingsVault contract — App ID 755771019
AlgoKit used as primary development framework ✅ AlgoKit workspace under alogkit-contracts/; built with algokit project run build
App ID (Testnet) provided at submission ✅ 755771019 — see Testnet explorer link
Solution interacts with Algorand in a meaningful way ✅ Smart contract locks user funds, enforces goal deadlines, and releases them only when goals are met or the deadline passes — not just a payment layer

Problem Statement

Millions of people, especially in emerging markets, struggle with savings discipline. Traditional banks provide no programmable enforcement, and DeFi tools are too complex. DhanSathi addresses this by:

  • Locking savings in an Algorand smart contract so they cannot be withdrawn until a goal is met or a deadline passes.
  • Providing AI-generated financial advice tailored to the user's spending patterns.
  • Supporting multilingual access (Google Translate integration) to reach underserved communities.

Live Demo

URL: https://final-pw-proto.vercel.app
(Connect a Pera Wallet on Testnet to experience the full flow)

LinkedIn Demo Video

Video: [Add your LinkedIn video URL here]

App ID (Testnet) & Testnet Explorer

Detail Value
App ID 755771019
Network Algorand Testnet
Explorer View on Pera Explorer

Architecture Overview

┌─────────────────────────────────────────────────────────┐
│                     User (Browser)                      │
│              Next.js 15 Progressive Web App             │
└────────────────────────┬────────────────────────────────┘
                         │  algosdk + @algorandfoundation/algokit-utils
          ┌──────────────┴───────────────┐
          │                              │
          ▼                              ▼
 ┌─────────────────┐           ┌──────────────────┐
 │  Algorand Node  │           │  Firebase / AI   │
 │  (Testnet via   │           │  (Firestore for  │
 │   AlgoNode)     │           │   user data +    │
 │                 │           │   Genkit/Gemini  │
 │  SavingsVault   │           │   AI advisor)    │
 │  App ID:        │           └──────────────────┘
 │  755771019      │
 └─────────────────┘

Smart Contract Interaction Flow
────────────────────────────────
1. User connects Pera Wallet (WalletContext)
2. Frontend calls `create_goal(owner, target, deadline)` → deploys or calls contract
3. User deposits ALGOs via grouped atomic transaction (app call + payment)
4. Contract validates sender, deadline, and completion state; updates `total_saved`
5. When goal is met OR deadline passes, user calls `withdraw()` → inner transaction
   sends full balance back to owner

Tech Stack

Layer Technology
Smart Contract Framework AlgoKit (workspace + deploy)
Smart Contract Language Algorand Python (algopy / puyapy) for the AlgoKit contract; PyTEAL + Beaker for the legacy contracts/app.py
Blockchain Algorand Testnet
Frontend Next.js 15 (App Router, TypeScript)
Wallet Pera Wallet via @perawallet/connect
Blockchain SDK algosdk 2.8, @algorandfoundation/algokit-utils
AI / LLM Google Genkit + Gemini (AI financial advisor)
Database Firebase Firestore (user goals, transactions, groups)
Styling Tailwind CSS, shadcn/ui, Radix UI
Deployment Vercel

Installation & Setup

Prerequisites

  • Node.js 20+
  • Python 3.12+
  • AlgoKit CLI (algokit --version ≥ 2.0.0)
  • Poetry (poetry -V ≥ 1.2)
  • Pera Wallet browser extension or mobile app (set to Testnet)

1. Clone the Repository

git clone https://github.com/AadityaHande/FInal-PW-Proto.git
cd FInal-PW-Proto

2. Install Frontend Dependencies

npm install

3. Configure Environment Variables

Create a .env.local file in the project root:

NEXT_PUBLIC_ALGOD_SERVER=https://testnet-api.algonode.cloud
NEXT_PUBLIC_ALGOD_PORT=443
NEXT_PUBLIC_ALGOD_TOKEN=
NEXT_PUBLIC_APP_ID=755771019

# Firebase config
NEXT_PUBLIC_FIREBASE_API_KEY=your_api_key
NEXT_PUBLIC_FIREBASE_AUTH_DOMAIN=your_project.firebaseapp.com
NEXT_PUBLIC_FIREBASE_PROJECT_ID=your_project_id
NEXT_PUBLIC_FIREBASE_STORAGE_BUCKET=your_project.appspot.com
NEXT_PUBLIC_FIREBASE_MESSAGING_SENDER_ID=your_sender_id
NEXT_PUBLIC_FIREBASE_APP_ID=your_firebase_app_id

# Genkit / Gemini AI
GOOGLE_GENAI_API_KEY=your_google_genai_key

4. Run the Development Server

npm run dev

Open http://localhost:9002 in your browser.

5. (Optional) Build & Deploy the Smart Contract

cd alogkit-contracts/projects/alogkit-contracts
poetry install
algokit project run build
algokit project deploy testnet

Usage Guide

Connect Wallet

  1. Open the app and click Connect Wallet.
  2. Select Pera Wallet and approve the connection (ensure Testnet is active).

Create a Savings Goal

  1. Navigate to Goals → New Goal.
  2. Enter a goal name, target amount (in ALGO), and deadline.
  3. Confirm the transaction in Pera Wallet — this calls create_goal on the smart contract.

Deposit

  1. Open an existing goal and click Deposit.
  2. Enter an amount and confirm the grouped atomic transaction (app call + payment).
  3. The contract validates all conditions and updates total_saved on-chain.

Withdraw

  1. Once the goal is complete or the deadline has passed, click Withdraw.
  2. The contract executes an inner transaction to return all funds to your wallet.

AI Advisor

  • Navigate to Advisor for personalised financial tips based on your spending patterns.

Analytics & Leaderboard

  • View spending breakdowns in Analytics and compare saving streaks in Leaderboard.

Known Limitations

  • Wallet support is currently limited to Pera Wallet only (no WalletConnect v2 / other wallets).
  • The legacy contracts/app.py (PyTEAL + Beaker) is retained for reference; the production contract uses the AlgoKit workspace.
  • Firebase Firestore rules are in development mode — production deployment requires proper security rules.
  • The AI advisor requires a valid Google Genkit / Gemini API key; without it, the advisor tab will not function.
  • Only ALGO is supported as the savings asset; ASA (Algorand Standard Asset) goals are not yet implemented.
  • Mobile PWA install is supported on Android; iOS has limited PWA support.

Team Members & Roles

Name Role
Aaditya Hande Full-Stack Development, Smart Contract, AlgoKit Integration

Add additional team members and their roles here.

Repository Structure

FInal-PW-Proto/
├── alogkit-contracts/          # AlgoKit smart contract workspace
│   └── projects/alogkit-contracts/
│       └── smart_contracts/savings_vault/
│           ├── contract.py     # ARC-4 SavingsVault (Algorand Python)
│           └── deploy_config.py
├── contracts/                  # Legacy PyTEAL + Beaker contract (reference)
│   └── app.py
├── src/
│   ├── app/                    # Next.js App Router pages
│   ├── components/             # React UI components
│   ├── contexts/               # WalletContext (Pera Wallet integration)
│   ├── hooks/                  # Custom React hooks
│   ├── lib/                    # algosdk helpers, Firebase client
│   └── ai/                     # Genkit AI flows
├── public/                     # Static assets
└── README.md

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