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finance

LoyalCredit is an open source, relationship-based credit specification that rewards reliable repayment with progressively greater access to capital. Through its Credit Trust Ladder, borrowers can move from secured lending toward unsecured credit by demonstrating consistent payment performance, while late payments reduce trust and default permanently ends the lending relationship with that business. https://roxanneardary.com/loyalcredit/

The storage for general purpose public information relating to the Cryptocurrency Advocate and its online representation.

Shell script collection. Bash, Zsh, Ksh, and some Python.

Budget management application

OpenMoneyBox is an application designed to manage small personal money budgets in the easiest way.

Daily US stock briefs that turn market closes, technical signals, and sentiment into KakaoTalk-ready notes.

Ledger Watch is an open-source financial data infrastructure project that organizes publicly available market information—such as trades, SEC filings, corporate actions, and economic events—into a structured, verifiable system. It connects entities like individuals, companies, and institutions to market events through a transparent data model designed for analysis, research, and pattern discovery. The system emphasizes neutrality, reproducibility, and strict reliance on public, source-backed data rather than speculation or inferred intent. https://roxanneardary.com/ledgerwatch/

TruthInBilling is an open-source, privacy-preserving platform that collects verified billing records to identify and analyze discrepancies between advertised prices, contractual terms, and actual charges. It transforms individual invoices into a structured public dataset that reveals systemic billing patterns across industries while protecting user identity through encryption and verification. https://roxanneardary.com/truthinbilling/

BalanceForward is an open source deterministic financing specification that helps businesses design sustainable debt-refinancing solutions based on a borrower's income, cost of living, repayment capacity, qualifying debt, and collateral. With a fixed 5% interest rate, maximum 50% collateral advance rate, and 20-year maximum term, BalanceForward provides a modular framework for predictable, transparent, and borrower-centered financing. https://roxanneardary.com/balanceforward/

CortexCFO is an AGPL-3.0+ locally hosted AI CFO platform that transforms historical financial data into future strategy. It provides businesses with private financial intelligence through expense forecasting, cash flow prediction, risk detection, and AI-powered recommendations while keeping sensitive financial data under the organization's control. https://roxanneardary.com/cortexcfo/

HelixERP is a self-hosted, open-source ERP designed for speed, efficiency, and modularity. It provides a full suite of enterprise features — Finance, Inventory, CRM, HR, Project Management, E-Commerce, and Workflow Automation — with advanced capabilities like AI insights, multi-tenant support, granular security, and high-performance scalability. Built for businesses that want full control over their operations, HelixERP is community-driven, fully customizable, and enterprise-ready. https://roxanneardary.com/helixerp/

A static, client-side financial calculator for Singapore HDB flat purchases

A JavaScript library that computes Internal Rate of Return (IRR) and Net Present Value (NPV). https://irr.8hob.io

OpenCareerForecast is an AGPL 3.0+ open-source career intelligence platform that helps users discover the true cost of their career path by comparing education expenses, wages, cost-of-living data, debt obligations, and future labor market trends. The platform analyzes colleges, universities, trade schools, apprenticeships, military careers, certifications, and entrepreneurial pathways to determine long-term financial viability and forecast future career opportunities. https://roxanneardary.com/opencareerforecast/

A financial Tracking app Built on Next.js, firebase and netlify with Playwright for test automation

The website served at https://www.cryptoadvocate.cc/ for the Cryptocurrency Advocate and its online representation.

Internal Credit is an AI-powered, modular financial platform that enables users to borrow against their own savings while continuing to earn returns on their deposited capital. Designed around self-collateralized lending, the platform allows account holders to access up to 70% of their account value, receive AI-guided financial insights, and preserve long-term wealth through a flexible, secure, and extensible banking architecture. https://roxanneardary.com/internal-credit/

Soluna Finance OS is an open-source financial operating system that abstracts insured deposits across multiple financial institutions into a unified, AI-orchestrated vault layer. It enables continuous identity verification, automated insurance-compliant allocation, and multi-agent financial decisioning to optimize for safety, liquidity, and yield. Designed as a protocol rather than a product, it provides a programmable foundation for coordinated, transparent, and resilient capital movement across modern financial networks. https://roxanneardary.com/soluna-finance-os/

Solvra is an open-source financial modeling engine designed to simulate loans under a controlled, transparent amortization system. It applies a capped-interest rule based on a 15-year maximum effective interest window and redistributes total interest evenly across the full loan term, producing predictable, linear payment structures for scenario analysis, affordability testing, and structured financial planning. https://roxanneardary.com/solvra/

VaultCore OS is an AGPL-3.0+ financial intelligence platform that continuously verifies federally insured banks and credit unions, aggregates their financial products, and tracks real-time interest rates with full regulatory sourcing. Built as an open infrastructure system, it combines structured financial data, audit-grade verification pipelines, and an AI interface to deliver accurate, transparent, and source-backed insights into the U.S. banking system. https://roxanneardary.com/vaultcore-os/

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