Smart Finance Wallet

A premium, high-performance Flutter fintech application featuring a "Dark Mode" aesthetic, advanced glassmorphism UI, and simulated financial intelligence.

Features

Core Experience

• Premium Dark UI: Deep black backgrounds with vibrant neon accents and glassmorphism.
• Dashboard: Real-time Net Worth tracking, Credit Utilization gauge, and Expense Analysis.
• Wallet: Send money, Add balance, and view transaction history with rich animations.
• BNPL (Buy Now Pay Later): Manage credit flow, mock bill payments, and track upcoming dues.
• Rewards: Gamified "Smart Coins" system with a redeemable marketplace.

Advanced Financial Intelligence (New)

• Financial Digital Twin: "What-if" simulation engine to forecast your balance for the next 30/90 days.
• Credit Health Engine: Dynamic credit scoring (0-100) that updates based on your payment behavior.
• Spending DNA: Automatic persona analysis (e.g., "Impulse Optimizer", "Stability Seeker") based on transaction patterns.
• Explainable AI: Smart recommendations to help you optimize cash flow and reduce risk.

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Prerequisites

• Flutter SDK: Version 3.10.0 or higher.
• Dart SDK: Version 3.0.0 or higher.
• Platform: Chrome (for Web) or iOS/Android Simulator.

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Setup & Installation

1. Clone the repository:

   git clone https://github.com/your-username/smart_finance_wallet.git
   cd smart_finance_wallet

2. Install dependencies:

   flutter pub get

3. Generate code (Hive Adapters): Required for local database storage models.

   flutter pub run build_runner build --delete-conflicting-outputs

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Running the App

Web (Recommended for Development)

flutter run -d chrome

Mobile

# For iOS Simulator
open -a Simulator
flutter run -d iphone

# For Android Emulator
flutter run -d android

Note: If you encounter a blank screen on Web launch, ensure you perform a Hot Restart (R in the terminal) inside the running flutter process.

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How to Use

1. Authentication

• Login: Use any email/password (e.g., [email protected] / password). This is a mock authentication flow.
• Sign Up: Create a new account to start with a fresh wallet simulation.

2. Dashboard

• View your Total Balance and Reward Points at the top.
• Check your Credit Utilization and Expense Split in the bottom grid.
• Use Quick Actions to navigate to specific features.

3. Wallet Operations

• Tap "Wallet" to verify history.
• Tap "Add Money" to top up your simulated balance.
• Tap "Send Money" to create simulated expense transactions.

4. Financial Intelligence (The "Analysis" Tab)

• Tap the Teal "Analysis" button on the Dashboard.
• Credit Gauge: See your real-time risk tier. Pay off BNPL bills to improve this.
• Spending DNA: See your current financial persona badge.
• Digital Twin: Scroll down to the Simulation card.
  • Adjust Income/Expense sliders to see how your 30-day projected balance changes.
  • Toggle "Simulate Delayed Payment" to see the negative impact on your forecast.
• Recommendations: Click any AI Recommendation card to expand and read the impact analysis.

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Project Structure

• lib/src/features: Modular feature code (Auth, Wallet, BNPL, Intelligence).
• lib/src/core: Shared widgets (GlassCard) and theming.
• test/: Unit and Widget tests.