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Hi-Fi Logo

Hi-Fi! 🎯

India's First Privacy-First AI Financial Multi-Agent System

Connect your real-time financial footprint to AI — enabling it to reason, simulate, and act.

Features • Agent Fleet • Tech Stack • Getting Started • Architecture • Google Technologies

🌟 Overview

Hi-Fi (High-Fidelity Finance) is a privacy-first, India-specific AI financial multi-agent system that transforms fragmented financial data into actionable intelligence. Built on top of Fi Money's MCP (Model Context Protocol) and powered by Google Gemini, Hi-Fi brings intelligent, personalized financial decision-making to every user.

The Problem We Solve

Challenge Current Reality Hi-Fi Solution
Scattered Financial Life Users manage money across 10+ platforms (banks, UPI, credit cards, MFs, loans, EPF) Unified AI-powered financial context
Generic Tools Dashboards show numbers, not insights Context-driven personalized answers
AI Without Context LLMs are blind to your actual financial data Real-time financial data integration
No Strategy or Action Tools operate in silos, manual coordination required Autonomous agents that simulate, optimize, and act

🤖 Agent Fleet

Hi-Fi deploys a coordinated fleet of specialized, autonomous AI agents:

🛡️ SEBI Agent

Your Compliance Watchdog

Monitors transactions, ensures regulatory compliance, identifies potential fraud, and flags risks in real-time.

  • Trade compliance verification
  • Risk flagging & assessment
  • Regulatory filing guidance
  • Anomaly detection

📊 Tax-Mitra Agent

Your Friendly Tax Sidekick

Breaks down complex Indian tax laws into actionable guidance. From ITR filing to deduction tracking.

  • Auto ITR filing assistance
  • Section 80C/80D optimization
  • Old vs New regime comparison
  • Form 16/26AS processing
  • Advance tax calculations

💳 Debt-Squasher Agent

Brutal on Debt, Soft on You

Calculates DTI/FOIR, analyzes liabilities, and builds optimized payoff strategies.

  • EMI optimization
  • Debt consolidation strategies
  • Snowball vs avalanche methods
  • Credit score improvement
  • Loan refinancing guidance

📈 Trader Agent

Built for the Bold

Real-time signals, market analysis, and portfolio management with Zerodha integration.

  • Portfolio rebalancing
  • Technical indicator analysis
  • Market sentiment tracking
  • Live trading execution via Zerodha APIs

✨ Features

🧠 Multi-Agent Intelligence

  • Modular, autonomous, memory-aware agents
  • Inter-agent collaboration via shared financial memory
  • Orchestrated via Google Agent Development Kit (ADK)

📡 Real-Time Financial Context (via Fi MCP)

  • Structured ingestion from 18+ financial sources
  • Banks, UPI, EPF, Mutual Funds, Credit Cards, Income, Liabilities
  • Normalized AI-ready JSON data
  • Temporal, transactional, and behavioral reasoning

💬 Natural Language Interface

  • Chat-based contextual queries
  • Goal-aware, simulation-capable prompts
  • Multilingual support (English, Hindi, Gujarati, Marathi)
  • Financial intent extraction via Gemini

🚀 Strategic Financial Execution

  • Zerodha-integrated trading flows
  • Auto-generated ITR summaries
  • EMI optimization via FOIR/DTI modeling
  • Risk flagging & retirement goal tracking

🇮🇳 India-Native Financial Intelligence

  • Supports ELSS, PPF, EPF, 80C/80D, Form 16/26AS, LTCG
  • Handles Indian-specific tax logic & TDS reconciliation
  • Dual tax regime calculations

🔒 Privacy & User Control

  • OAuth 2.0 scoped, consent-driven access
  • Sensitive logic runs offline via Gemma
  • Full data export, audit trail, and revocation control

🛠️ Tech Stack

Frontend

Technology Version Purpose
Next.js 15.4.2 React framework with App Router
React 19.1.0 UI library
TypeScript 5.x Type safety
Tailwind CSS 4.x Styling
Framer Motion 12.x Animations
Zustand 5.x State management
TanStack Query 5.x Server state & caching
React Hook Form 7.x Form handling
Zod 4.x Schema validation

Backend & Services

Technology Purpose
Firebase Auth Authentication (Google, Email/Password)
Firestore NoSQL database for user data
Google Gemini Core LLM for AI capabilities
Google Vertex AI Multi-agent orchestration
Google ADK Agent Development Kit framework
Fi Money MCP Real-time financial data integration
Google Compute Engine FastAPI backend hosting

UI Components

Library Purpose
Lucide React Icon library
Sonner Toast notifications
React Markdown Markdown rendering
Three.js 3D visualizations
GSAP Advanced animations

🚀 Getting Started

Prerequisites

  • Node.js 18+
  • pnpm (recommended) or npm
  • Firebase project with Auth enabled
  • Access to Fi Money MCP Server
  • Google Cloud project with Gemini API access

Environment Setup

  1. Clone the repository

    git clone https://github.com/your-org/hifi-web.git
cd hifi-web

  2. Install dependencies

    pnpm install

  3. Configure environment variables

    Create a .env.local file based on env.example:

    # Firebase Configuration
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_app_id

# API Configuration
NEXT_PUBLIC_API_URL=http://localhost:3001
NEXT_PUBLIC_FI_MCP_SERVER_URL=your_fi_mcp_server_url
NEXT_PUBLIC_SSID=your_session_id

# Environment
NODE_ENV=development

  4. Run the development server

    pnpm dev

  5. Open the app

    Navigate to http://localhost:3000

Available Scripts

Command Description
pnpm dev Start development server with Turbopack
pnpm build Create production build
pnpm start Start production server
pnpm lint Run ESLint
pnpm lint:fix Fix ESLint errors
pnpm format Format code with Prettier
pnpm format:check Check code formatting

📁 Project Structure

hifi-web/
├── src/
│   ├── app/                    # Next.js App Router
│   │   ├── agents/             # Agent-specific pages
│   │   │   ├── debt-squasher/  # Debt management agent
│   │   │   ├── sebi-agent/     # SEBI compliance agent
│   │   │   ├── tax-mitra/      # Tax filing agent
│   │   │   ├── trader-agent/   # Trading agent
│   │   │   └── page.tsx        # Agents hub
│   │   ├── dashboard/          # Main dashboard
│   │   │   ├── [session_id]/   # Dynamic session pages
│   │   │   └── page.tsx        # Session creation
│   │   ├── login/              # Authentication
│   │   ├── signup/             # User registration
│   │   └── layout.tsx          # Root layout
│   │
│   ├── components/             # React components
│   │   ├── dashboard/          # Dashboard components
│   │   ├── landing/            # Landing page components
│   │   ├── sidenav/            # Sidebar navigation
│   │   └── ui/                 # UI primitives
│   │
│   ├── contexts/               # React contexts
│   │   └── AuthContext.tsx     # Authentication context
│   │
│   ├── hooks/                  # Custom React hooks
│   │   ├── adk.ts              # ADK API hooks
│   │   ├── useChat.ts          # Chat functionality
│   │   ├── useCheckSession.ts  # Session validation
│   │   └── useKite.ts          # Zerodha integration
│   │
│   ├── lib/                    # Utilities & services
│   │   ├── api/                # API clients
│   │   │   ├── adk.ts          # ADK (Agent) API
│   │   │   ├── kite.ts         # Zerodha Kite API
│   │   │   └── mcp.ts          # Fi MCP API
│   │   ├── firebase/           # Firebase configuration
│   │   ├── validations/        # Zod schemas
│   │   └── env.ts              # Environment variables
│   │
│   ├── stores/                 # Zustand stores
│   │   ├── sessionStore.ts     # Session management
│   │   ├── taxTraderStore.ts   # Tax preferences
│   │   ├── debtSquasherStore.ts# Debt preferences
│   │   └── boolStore.ts        # UI state
│   │
│   ├── constants/              # App constants
│   │   ├── agentPrompts.ts     # Agent system prompts
│   │   └── mockData.ts         # Sample data
│   │
│   ├── theme/                  # Theme configuration
│   │   └── hifi-theme.ts       # Color & design tokens
│   │
│   ├── types/                  # TypeScript types
│   │   └── chat.ts             # Chat-related types
│   │
│   └── ui/                     # UI animations
│       ├── Animations/         # Motion components
│       └── TextAnimations/     # Text effects
│
├── public/                     # Static assets
├── env.example                 # Environment template
├── package.json                # Dependencies
├── tailwind.config.ts          # Tailwind configuration
└── tsconfig.json               # TypeScript config

🏗️ Architecture

┌─────────────────────────────────────────────────────────────────┐
│                         User Interface                           │
│                     (Next.js + React + Tailwind)                 │
└─────────────────────────────────┬───────────────────────────────┘
                                  │
                    ┌─────────────▼─────────────┐
                    │      Firebase Auth        │
                    │   (Google + Email Auth)   │
                    └─────────────┬─────────────┘
                                  │
┌─────────────────────────────────▼───────────────────────────────┐
│                        Agent Orchestration                       │
│                     (Google ADK + Vertex AI)                     │
├─────────────┬─────────────┬─────────────┬──────────────────────┤
│ SEBI Agent  │ Tax-Mitra   │   Debt      │   Trader Agent       │
│             │   Agent     │  Squasher   │                      │
└──────┬──────┴──────┬──────┴──────┬──────┴─────────┬────────────┘
       │             │             │                │
       └─────────────┴─────────────┴────────────────┘
                           │
         ┌─────────────────▼─────────────────┐
         │         Google Gemini Pro          │
         │        (Financial Reasoning)       │
         └─────────────────┬─────────────────┘
                           │
    ┌──────────────────────▼──────────────────────┐
    │             Fi Money MCP Server              │
    │    (Real-time Financial Data Integration)    │
    ├──────────────────────────────────────────────┤
    │  Banks  │  UPI  │  EPF  │  MF  │  Credit    │
    │         │       │       │      │  Cards     │
    └──────────────────────────────────────────────┘

🔧 Google Technologies

Technology Use Case
Google Agent Development Kit (ADK) Framework for developing AI Agents
Firestore NoSQL database for user data at scale
Google Gemini Core LLM powering AI capabilities
Firebase Auth Secure user authentication & sessions
Google Vertex AI Multi-agent orchestration & model deployment
Google Compute Engine FastAPI backend server hosting
Google Generative AI Real-time Indian language translation

🔐 Security & Privacy

  • OAuth 2.0: Scoped, revocable access with user consent
  • On-Device Reasoning: Sensitive computations (tax, liabilities) run locally via Gemma
  • Data Sovereignty: Users maintain complete ownership of their data
  • Audit Trail: Full transparency with data export capabilities
  • Consent-Driven: No data access without explicit user permission

🛣️ Roadmap

Phase 1: Agent Expansion

  • Insurance Planning Agent
  • Goal-Based Budgeting Agent
  • Freelancer Taxation Agent
  • Family/Team financial agents

Phase 2: Mobile Evolution

  • iOS & Android native apps
  • Push notifications & widgets
  • Offline-first capability

Phase 3: Ecosystem Integration

  • Upstox, Splitwise, CRED, Jar integration
  • GST-linked systems
  • B2B invoicing tools

Phase 4: Platform as a Service

  • White-labeled agent orchestration
  • APIs for fintechs & neobanks
  • Customizable agent templates

🤝 Contributing

We welcome contributions! Please read our contributing guidelines before submitting PRs.

  1. Fork the repository
  2. Create a feature branch (git checkout -b feature/amazing-feature)
  3. Commit your changes (git commit -m 'Add amazing feature')
  4. Push to the branch (git push origin feature/amazing-feature)
  5. Open a Pull Request

📄 License

This project is proprietary software. All rights reserved.

🙏 Acknowledgments

  • Fi Money - For the MCP infrastructure enabling real-time financial data
  • Google Cloud - For Gemini, Vertex AI, and Firebase services
  • Zerodha - For Kite trading API integration

Built with ❤️ for Bharat's Financial Future

Empowering every Indian with AI-powered financial intelligence

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