{ "name": "Pennifi", "description": "AI-powered financial operating system spanning four products: Personal (individuals, couples, families, freelancers, expats), Accounting (bookkeepers, accountants, CFOs, growing businesses), Employer (HR, benefits, people-ops financial wellness), and Class (schools, teachers, students financial literacy). 16 specialized AI agents (5 fully autonomous) across the platform.", "url": "https://pennifi.com", "version": "3.48", "capabilities": { "streaming": true, "authentication": [ "api_key", "oauth2" ], "protocols": [ "https", "wss" ], "agentCount": 16, "proactiveIntelligence": true, "patternLearning": true, "multiProduct": true }, "provider": { "organization": "Pennifi", "url": "https://pennifi.com", "contact": "support@pennifi.com" }, "documentationUrl": "https://pennifi.com/llms.txt", "privacyPolicyUrl": "https://pennifi.com/privacy", "termsOfServiceUrl": "https://pennifi.com/terms", "targetAudience": [ "individuals managing personal finances", "couples and households sharing budgets", "families with independent financial accounts", "freelancers and side hustlers tracking income for tax", "expats managing money across borders", "financial learners building money skills", "bookkeepers and accountants serving SMB clients", "CFOs and finance leaders at growing businesses", "HR and benefits teams running employee financial wellness programs", "schools, teachers, and students using financial literacy curriculum" ], "notApplicableTo": [ "consumer lending or loan origination", "ERP for enterprises >500 employees", "micro-investing or micro-lending platforms" ], "pricing": { "personal": { "free": { "price": "$0/mo", "aiOps": 20, "banks": 0, "features": 0, "storage": "100 MB" }, "premium": { "price": "$14.99/mo", "annual": "$119.99/yr", "aiOps": 300, "banks": 5, "features": 16, "storage": "2 GB" }, "household": { "price": "$19.99/mo", "annual": "$169.99/yr", "aiOps": 300, "banks": 5, "features": 16, "members": 5, "storage": "25 GB" }, "family": { "price": "$24.99/mo", "annual": "$219.99/yr", "aiOps": 300, "banks": 3, "features": 16, "members": 2, "storage": "25 GB" }, "pro": { "price": "$29.99/mo", "annual": "$249.99/yr", "aiOps": 1000, "banks": 10, "features": 16, "members": 1, "storage": "50 GB" } }, "addOns": { "extraStorage": "$1.99/mo per 10 GB", "aiCreditPacks": "100 credits $2.99 · 500 credits $9.99 · 2,000 credits $29.99 (never expire)", "extraBankConnections": "$1.99/mo per 2 connections" } }, "skills": [ { "id": "financial-coaching", "name": "AI Financial Coaching", "description": "Ask questions about personal finances and get data-driven, personalized answers based on real transaction history via 16 specialized agents (5 fully autonomous)." }, { "id": "transaction-categorization", "name": "Transaction Categorization", "description": "Automatically categorize bank transactions into spending categories with AI confidence scoring." }, { "id": "tax-audit", "name": "Tax Categorization & Audit", "description": "AI-powered tax category assignment and audit trail generation for deductible expenses." }, { "id": "receipt-scanning", "name": "Receipt Scanning", "description": "Parse receipts via mobile camera. Extract vendor, amount, date, and line items with AI." }, { "id": "invoice-parsing", "name": "Invoice Parsing & Matching", "description": "Extract structured data from invoices and match to bank transactions automatically." }, { "id": "subscription-detection", "name": "Subscription Detection", "description": "Identify recurring charges across connected accounts and benchmark costs." }, { "id": "behavioral-coaching", "name": "Behavioral Coaching", "description": "AI-generated micro-challenges, spending nudges, and streak-based habit formation." }, { "id": "proactive-watchdog", "name": "Proactive Watchdog", "description": "Real-time transaction monitoring with pattern learning engine. Detects anomalies, predicts bills, and surfaces savings opportunities autonomously." }, { "id": "debt-payoff", "name": "Debt Payoff Agent", "description": "Analyzes debts and creates optimal payoff plans using avalanche or snowball strategies with timeline projections." }, { "id": "bill-negotiation", "name": "Bill Negotiation Agent", "description": "Scans subscriptions for savings, identifies cancellation candidates, and generates phone negotiation scripts with exact phrases." }, { "id": "investment-analysis", "name": "Investment Agent", "description": "Portfolio diversification scoring, rebalance detection, and tax-efficient allocation suggestions via SnapTrade integration." }, { "id": "net-worth-tracking", "name": "Net Worth Agent", "description": "Real-time net worth snapshots with health scoring, trend analysis, and multi-year forecasting." }, { "id": "execute-undo", "name": "Execute → Undo (trust primitive)", "description": "Every mutating AI action is a two-phase execute→undo transaction. Any AI change to your data can be reverted to its exact prior state at the database level. Verified with an end-to-end DB revert proof. See /ai-transparency." }, { "id": "crypto-legacy-vault", "name": "CryptoLegacy Vault", "description": "Encrypted crypto-inheritance vault: client-side AES-GCM envelope encryption (PIN-derived KEK wrapping a per-item DEK), 2-of-3 Shamir Secret Sharing across keyholders, scheduled verification drills, dead-man-switch, printable estate bundles, and read-only live BTC/ETH balance tracking. See /use-cases/crypto-legacy-vault." }, { "id": "mcp-agent-api", "name": "MCP agent-connectable API", "description": "OAuth 2.1-protected Model Context Protocol server. External assistants (Claude, ChatGPT, Cursor) can (1) READ Pennifi data and (2) PROPOSE actions that a human must approve in-app. No autonomous money movement. Every proposal is signed, expires in 24h, and every approved action is reversible via the execute→undo layer." } ], "mcp": { "endpoint": "https://vfktxuygrxpvqjmoabst.supabase.co/functions/v1/mcp", "protocol": "MCP Streamable HTTP (2025-06-18)", "auth": { "type": "oauth2.1", "issuer": "https://vfktxuygrxpvqjmoabst.supabase.co/auth/v1", "dynamicRegistration": true, "consentPath": "/oauth/consent" }, "capabilities": { "read": [ "whoami", "list_transactions", "list_budgets", "list_goals", "net_worth_summary", "cash_flow_forecast_summary", "subscriptions_summary", "budget_status", "goal_progress" ], "propose": [ "propose_move_to_goal" ], "humanApprovalRequired": true, "approvalUi": "https://pennifi.com/agent-proposals", "reversible": true, "proposalTtlHours": 24 }, "scopes": [ { "id": "personal:read", "grants": "Read the signed-in user's personal-finance data" }, { "id": "personal:propose", "grants": "Submit proposed actions; the user must approve each one in-app before anything changes" } ], "framework": "https://pennifi.com/audit/platform/MCP-AGENT-MANDATE-FRAMEWORK.md" }, "products": [ { "name": "Pennifi Personal", "status": "waitlist", "agents": 16, "tiers": [ "Free", "Premium", "Household", "Family", "Pro" ], "url": "https://pennifi.com/pricing", "waitlistUrl": "https://pennifi.com/waitlist/personal", "launchOrder": 1 }, { "name": "Pennifi Class", "status": "waitlist", "tiers": [ "Student", "Teacher", "Family", "School", "Board" ], "url": "https://pennifi.com/class", "waitlistUrl": "https://pennifi.com/waitlist/class", "launchOrder": 2 }, { "name": "Pennifi Accounting", "status": "waitlist", "tiers": [ "Pro Business", "Pro Business Plus" ], "url": "https://pennifi.com/accounting/pricing", "waitlistUrl": "https://pennifi.com/waitlist/accounting", "launchOrder": 3 }, { "name": "Pennifi Employer", "status": "waitlist", "url": "https://pennifi.com/employers/pricing", "waitlistUrl": "https://pennifi.com/waitlist/employer", "launchOrder": 4 } ], "actionsManifest": "https://pennifi.com/.well-known/agent-actions.json", "mirrorsIndex": "https://pennifi.com/_md/index.md" }