Rolly: AI Budget Money Tracker — API integration & OpenFinance services

Deliverables checklist

• API specification (OpenAPI / Swagger) for the Rolly data surface
• Protocol & auth flow report — session, token, refresh and request-signing chain
• Runnable source for transaction, budget and wallet endpoints (Python / Node.js)
• CSV/JSON export parser + scheduler for the app's native export file
• Automated tests, sample payloads and API documentation
• Compliance guidance — consent records, retention, GDPR/CCPA data-subject handling

Data available for integration

Derived from the app's described features and from public store/roadmap notes (chat-to-track, voice logging, receipt scanner, multiple/shared wallets, savings goals, bill tracker, lend/borrow, credit wallet, CSV import/export):

1 · Bookkeeping & accounting sync

Context: a freelancer or small studio wants Rolly's day-to-day spending to land in their accounting tool. Data/API: the transactions endpoint (or the CSV export) — amount, currency, AI category, note, wallet, timestamp — mapped to chart-of-accounts codes. OpenFinance mapping: Rolly becomes a "source-of-truth" account in an aggregation layer, the same role a bank feed plays via an OpenBanking API; categories feed reconciliation rules.

2 · Household / shared-wallet consolidation

Context: a couple uses a shared wallet plus individual wallets and wants one combined statement. Data/API: wallet list + per-wallet balance + membership + transaction reads, deduplicated across members. OpenFinance mapping: a personal-finance-management view that merges multiple "accounts" into a single normalized ledger with consistent currency handling.

3 · Budget-vs-actual analytics dashboard

Context: a product team builds a financial-wellness dashboard. Data/API: Smart Budgets (limit / spent / remaining per period & category) joined to transactions and savings-goal progress. OpenFinance mapping: structured spend + budget data exposed as read-only analytics endpoints, refreshed by a sync webhook so charts update when new purchases arrive.

4 · Subscription & bill audit

Context: a money-coaching service wants to flag forgotten subscriptions for clients. Data/API: the bill & payment tracker — amount, frequency, due date, status — plus matching recurring transactions. OpenFinance mapping: recurring-payment detection over a normalized transaction stream, the same pattern OpenBanking "recurring transactions" endpoints expose.

5 · Lend/borrow reconciliation & net-worth feed

Context: a user tracks informal loans in Rolly and wants them folded into a net-worth tracker. Data/API: lend/borrow and credit-wallet records (counterparty, amount, direction, settled flag) plus wallet balances. OpenFinance mapping: assets/liabilities lines contributed to an aggregation profile, alongside other connected accounts.

6 · Migration & one-time data lift

Context: a user or business moves history out of Rolly into another platform. Data/API: the CSV/JSON export, parsed and re-mapped to the destination schema with currency and category translation. OpenFinance mapping: portability — the data-export right that GDPR and the CFPB Personal Financial Data Rights rule both push fintech apps to support.

A · Authenticate & bind a user session

// Establish a session for a user who has authorized access (pseudocode)
POST /api/v1/rolly/auth/session
Content-Type: application/json

{
  "device_id": "ofl-connector-01",
  "auth": { "provider": "email_otp", "id_token": "<ID_TOKEN>" }
}

// 200 OK
{
  "access_token": "<ACCESS_TOKEN>",
  "refresh_token": "<REFRESH_TOKEN>",
  "expires_in": 3600,
  "user_id": "u_8a31f0",
  "wallets": ["w_personal", "w_travel", "w_shared_42"]
}

B · Fetch categorized transactions (paged)

// Pull a wallet's transactions for a date range (pseudocode)
GET /api/v1/rolly/transactions
  ?wallet_id=w_personal&from=2026-04-01&to=2026-04-30&cursor=
Authorization: Bearer <ACCESS_TOKEN>

// 200 OK
{
  "items": [
    { "id": "t_001", "wallet_id": "w_personal", "type": "expense",
      "amount": 15.00, "currency": "USD", "category": "Coffee",
      "source": "chat", "note": "Coffee 15", "occurred_at": "2026-04-03T08:12:00Z" },
    { "id": "t_002", "wallet_id": "w_personal", "type": "expense",
      "amount": 20.00, "currency": "USD", "category": "Transport",
      "source": "voice", "note": "Taxi 20", "occurred_at": "2026-04-03T09:40:00Z" }
  ],
  "next_cursor": "eyJvZmZzZXQiOjUwfQ==",
  "total_estimate": 184
}

C · Read budgets & savings-goal progress

GET /api/v1/rolly/budgets?period=2026-05&wallet_id=w_personal
Authorization: Bearer <ACCESS_TOKEN>

{
  "period": "2026-05",
  "currency": "USD",
  "categories": [
    { "name": "Groceries", "limit": 400, "spent": 213.40, "remaining": 186.60 },
    { "name": "Dining",    "limit": 150, "spent": 168.00, "remaining": -18.00 }
  ],
  "goals": [
    { "id": "g_trip", "title": "Japan trip", "target": 3000, "current": 1240, "deadline": "2026-12-01" }
  ]
}

D · Sync webhook + error handling

// Your endpoint receives a signed event when new data lands
POST https://your-app.example.com/hooks/rolly
X-Rolly-Signature: sha256=<HMAC>
{
  "event": "transaction.created",
  "user_id": "u_8a31f0",
  "wallet_id": "w_shared_42",
  "transaction_id": "t_777",
  "occurred_at": "2026-05-12T11:05:00Z"
}

// Connector retry policy (pseudocode)
on 401 -> refresh_token(); retry once
on 429 -> honor Retry-After header; exponential backoff (max 5)
on 5xx -> backoff + dead-letter after 6 attempts
verify HMAC before processing; ignore duplicate transaction_id

Regulatory alignment

Rolly: AI Budget Money Tracker handles personal financial data — spending, balances, goals — so every integration we ship is built to fit the rules that apply where the data subject lives. In the EU/UK that means GDPR lawful basis, explicit consent and the right to data portability; in California the CCPA/CPRA opt-out and disclosure duties; and in the United States the CFPB Personal Financial Data Rights rule, which formalizes consumer-authorized access to financial data. We also apply open banking best practices for consent capture and scope limitation even when no bank API is involved.

How we operate

• Work only under your authorization or with documented public/export interfaces — no undocumented scraping where an export covers the need
• Data minimization: pull only the fields a scenario requires; drop free-text notes when not needed
• Consent and access logs retained; per-user revoke supported
• Encryption in transit and at rest; secrets in a vault, not in source
• Documented retention windows and a delete path for data-subject requests
• NDA signed on request; deliverables reviewed for license and ToS fit before handover

• Cashew — open-source-leaning budget app with categorized transactions, budgets and goals; users frequently want CSV-level parity with another tracker.
• Budget Board — envelope/board-style budgeting; holds period budgets and transaction allocations that map cleanly onto a normalized ledger.
• ExpenseOwl — lightweight self-hosted expense tracker; its export files are a common source for warehouse loads alongside app data.
• MonAi — AI-assisted expense logging similar in spirit to Rolly's chat-to-track; transaction + category data is the integration surface.
• Simplify Money — AI money assistant with spending insights; buyers often consolidate its data with other PFM feeds.
• Mint-style PFM tools — aggregate bank feeds, budgets and net worth; the classic "many accounts, one dashboard" pattern Rolly data plugs into.

• YNAB (You Need A Budget) — zero-based budgeting with bank connections via aggregators; holds detailed budgets and transactions that teams reconcile against other sources.
• PocketGuard — "in my pocket" spendable-cash view built on linked accounts, recurring bills and budgets.
• Monarch Money — multi-account tracking, budgets and net worth; a common destination for consolidated transaction feeds.
• Copilot Money — AI auto-tags every transaction for Apple users; category-rich data is the integration value.
• Cleo — chat-based AI money assistant with a personality, much like Rolly; spend data and budgets drive its insights.
• Rocket Money — subscription tracking, bill negotiation and budgets over linked accounts; recurring-payment data overlaps with Rolly's bill tracker.

About us

We are an independent technical studio focused on app interface integration and authorized API work, with engineers who have shipped in mobile apps, fintech and cloud. We do protocol analysis, interface refactoring, OpenData/OpenFinance integration, third-party interface integration and automated data scripting — and we deliver the runnable source and documentation, not just advice.

• Financial & banking apps — transaction records, statement queries, transaction integration
• E-commerce, food-delivery and retail — order interfaces, payment integration, data sync
• Hotel, travel and mobility — booking interfaces, itinerary queries, payment verification
• Social, OTT media and dating — login/auth, messaging interfaces, profile management
• Source code delivery from $300 — runnable API source code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted endpoints and pay only for the calls you make, no upfront fee

Contact

Tell us the target app (Rolly: AI Budget Money Tracker) and exactly what you need — transactions, budgets, wallet balances, savings goals, bills, lend/borrow records, or a scheduled CSV export — and we will scope it. Both engagement models are available: fixed source-code delivery from $300, or pay-per-call on our hosted API.

Contact page

Engagement workflow

1. Scope confirmation — which Rolly data and which scenario (sync, dashboard, migration, audit).
2. Protocol analysis & API design — session/auth chain, endpoints, or CSV-export plan (2–5 business days).
3. Build & internal validation — connector, normalization, tests (3–8 business days).
4. Docs, sample payloads and test cases (1–2 business days).
5. First delivery typically 5–15 business days; third-party approvals or large back-fills may extend it.

FAQ

What do you need from me to start a Rolly integration?

How long does delivery take?

How do you handle compliance and privacy?

Can you reuse Rolly's CSV export instead of a private API?