Onyx - Agentic Financial Automation & Advising

logo
landing page
financial summary
car purchase financial decision analysis
cash flow trends

Inspiration

Constantly monitoring finances is time-consuming, and it’s easy to miss small but important changes. A “team” of always-on financial advisors reduces the stress of constant checking by summarizing your standing and flagging issues before they become problems.

What it does

Our multi-agent network analyzes longitudinal behavior to deliver actionable advice, teaches core personal-finance concepts in plain language, detects fraud and anomalies in real time, and visualizes income, spending, and budgets with clear charts and trend lines.

How we built it

The core is powered by Google’s ADK and A2A, integrated with Plaid’s API. Plaid securely links bank data from providers like Robinhood, Venmo, and Cash App. Using ADK, we orchestrate specialized agents running in parallel (budgeting, anomaly detection, education, and explainability) and persist user context for better recommendations over time.

Challenges we ran into

Google’s ADK had a steeper learning curve than expected. We struggled with multi-agent coordination and response validation. Git management also slowed us dow. Managing feature branches and resolving merge conflicts diverted focus from core functionality at times.

Accomplishments that we're proud of

Getting our agents to work reliably in parallel. Designing a client-centered, aesthetic UI. Standing up Plaid end-to-end to simulate realistic flows. Covering many aspects of personal finance including budgeting, cash flow, fraud, and education such that alerts and advice feel complete. Shipping explainable notifications that include “why” and suggested next steps.

What we learned

Agent context is everything: we had to define clear roles, shared memory, and strict input/output contracts so agents interpret events in the right financial context. Being explicit about desired outputs (schema, examples, and edge cases) dramatically improved response quality. We also learned to manage a financial database, schema design for transactions, categories, merchants, rules, and audit trails.

What's next for Onyx - Agentic Financial Automation & Advising

Connect and automate auto payments for bills, housing, cars, and subscriptions with user approval. Add goal-based budgeting and user-defined rules. Improve contextual coaching and fail-safe escalation when balances or due dates conflict.