One Flow

Overview
Accounts
Mobile AI Chat
Toyota Financing Analysis
Net Worth
Solana
More
Mobile Day-to-day
Mobile Overview
mobile Transactions
Credit Score
Budget
AI chat
Day-to-day
transactions
Mobile Toyota Financing
Car Financing
What if Scenario Planner
Debt and Liquidity

-Inspiration Managing money gets complicated when every app shows only part of the picture. Your bank knows your balance, but not how an emergency or an upcoming car decision could affect it.

We built OneFlow to connect those pieces: one place to see your finances, understand your options, and decide what to do next. What it does OneFlow brings accounts, bills, spending, savings goals, debt, and Toyota vehicle information into one dashboard.

See the whole picture: Track balances, upcoming payments, and financial-health indicators.
Prepare for surprises: Explore how a pay cut or unexpected expense could affect your finances with our What-if simulator.
Understand your next move: Ask an AI coach questions grounded in your financial profile and our calculations.
Make informed car decisions: Compare eligible Toyota lease-end options, financing estimates, and loan payoff scenarios.
Take action: Review transfers and bill payments through Nessie, or send test USDC through Solana with wallet approval and verified receipts. The demo uses synthetic financial profiles, Nessie’s banking sandbox, and Solana Devnet. How we built it We used Next.js, React, and TypeScript for the app. Capital One’s Nessie API powers banking activity, while Toyota’s supplied data pack provides vehicle and contract details.

Our calculation engine projects cash flow over 24 months, ranks possible next steps, and computes eight financial-health indicators based on PNC’s workshop definitions. Gemini explains those results in plain language. Tiger Data stores banking events for balance history. Challenges we ran into A lease needed different assumptions from a loan, especially around return costs and replacement transportation. We also had to handle bank API rate limits, keep balances consistent after payments, and recover from delays during Solana transaction verification.

Another challenge was making the AI useful while keeping financial calculations and eligibility rules in code. Accomplishments that we're proud of We connected financial planning to working sandbox banking actions. Our Toyota recommendations account for the customer’s broader finances, and our What-if tool makes emergencies easier to explore.

We’re also proud of the automated tests, transparent assumptions, and safeguards that prioritize support over product offers for vulnerable customers. What we learned Seeing your balance and understanding your situation are different things. Useful financial guidance needs context, clear explanations, and numbers people can trace back to their source. What's next for One Flow We want to finish automatic spending-guard webhook registration, save more preferences across devices, and replace the synthetic vehicle data with authorized Toyota Financial Services integrations. We also want user feedback on whether our recommendations make difficult financial decisions easier to understand.