Mono | Devpost

Welcome Page
Dashboard Page
Login Page
Onboarding Page
Income Page
Rent Page
Debt Page
Financial Coach

Inspiration

Many underrepresented and underserved communities face higher barriers to financial stability. Without consistent access to traditional banking or financial tools, small money leaks can have outsized effects.

At the same time, the average consumer loses about $133 a month to forgotten subscriptions, hidden fees, and unused services. For those already living paycheck to paycheck, that can mean groceries, gas, or rent slipping away unnoticed.

Most financial platforms are built with wealthier users in mind. We wanted to flip that. MONO connects to something almost everyone already has: Gmail. No complex onboarding or gatekeeping. It scans receipts, spots financial leaks, and turns them into clear, actionable steps anyone can use.

Our goal is to give underserved communities and everyday people a tool that restores financial control and keeps more money where it belongs in their hands.

What it does

MONO is an AI-driven financial agent that works behind the scenes to optimize your spending. By securely connecting to your Gmail account, it parses receipts and billing emails, then transforms that data into clear insights. With MONO, users can:

Spot and cancel forgotten subscriptions before they drain money.
Identify hidden charges and recurring expenses that often go unnoticed.
Receive personalized saving tips, like downgrading plans or switching to cheaper alternatives.
Set financial goals and track progress with automated insights.
Build healthier money habits through continuous AI-powered recommendations.

How we built it

Gmail API + Auth0: Secure OAuth authentication and data access.
Gemini API: Parsed unstructured receipts into structured JSON transaction records.
MongoDB Atlas: Stored transactions with vector search for flexible querying and trend analysis.
Cloudflare: Handled deployment and scalability with speed and reliability.
*Frontend *: Next.js

Challenges we ran into

Parsing financial data from receipts with inconsistent formats.
Designing a schema to support both recurring subscriptions and one-time purchases.
Optimizing AI parsing for speed and accuracy in real-time.
Delivering a dashboard that balances detail with clarity under hackathon time pressure.

Accomplishments that we’re proud of

Built a fully functional pipeline (Gmail → Gemini → MongoDB → Dashboard) in under 36 hours.
Delivered a clean, intuitive dashboard that surfaces real money-saving opportunities.
Easily integrated multiple sponsor technologies (Auth0, Gemini, MongoDB Atlas, Cloudflare).
Framed MONO not as another tracker, but as a financial agent that actively works for the user.

What we learned

How to operationalize large language models in a production-style pipeline.
Why strong authentication and security are non-negotiable for financial data.
How to structure databases for messy real-world financial inputs.
The balance between technical depth and user-friendly design in fintech solutions.

What’s next for MONO

Bank Integrations (Plaid, etc.): Go beyond Gmail and pull complete transaction histories.
Autonomous Financial Coaching: Personalized credit card, savings, and investment recommendations.
Marketplace Switching: Let users change providers (internet, phone, streaming) in-app to save money instantly.
Mobile App: Deliver real-time insights in users’ pockets.
Autonomous Agent Capabilities: Progress toward a true financial co-pilot that can not only recommend, but also execute cost-saving actions with user approval.