🚀 The David Protocol: Financial Resilience Engine

The David Protocol is a premium, AI-driven financial resilience platform designed to provide a "Live Pulse" of financial health. By analyzing transaction patterns through a deterministic 4-pillar formula and Gemini-powered diagnostics, it transforms raw bank data into an actionable Elite Resilience Score (0-1000).

💡 Problem Statement

Traditional credit scoring is slow, backward-looking, and often penalizes users for lack of history rather than lack of discipline. The David Protocol solves this by providing a real-time, high-fidelity alternative:

• Data Volatility: Normalizes messy transaction histories into monthly averages for realistic insights.
• The "Invisible" Wealth Gap: Recognizes financial resilience in high-income, high-churn profiles that traditional banks might flag as "risky."
• Generic Advice: Replaces static financial tips with data-driven, Gemini-powered diagnostics that reference a user's actual top spending categories.

🛠️ Tech Stack

• Frontend: Next.js 15 (App Router), Tailwind CSS, Framer Motion (for premium animations), Lucide React.
• Backend: FastAPI (Python), SQLite (Local Development), SQLAlchemy (ORM).
• AI/ML: Gemini 1.5 Flash (Stability Indexing & Financial Categorization), Custom 4-Pillar Scoring Formula.
• Data Handling: CSV-based ingestion mapping (Plaid-compatible schema).

🔗 Links

• Live Demo: [Coming Soon]
• Video Demo: [Coming Soon]
• Presentation (PPT/PDF): [Link to Docs/Presentation]

📸 Screenshots

Figure 1: The Live Pulse Dashboard featuring the 0-1000 Resilience Meter and Gemini-powered Strategy.

🚀 How to Run Locally

1. Prerequisites

• Python 3.10+
• Node.js 18+
• Gemini API Key

2. Backend Setup

cd backend
# Create virtual environment
python -m venv venv
source venv/bin/activate  # On Windows: venv\Scripts\activate
# Install dependencies
pip install -r requirements.txt
# Create .env file with your GEMINI_API_KEY
echo "GEMINI_API_KEY=your_key_here" > .env
# Start the server
uvicorn main:app --reload --port 8000

3. Frontend Setup

cd frontend
# Install dependencies
npm install
# Start the development server
npm run dev

4. Test Accounts

Use the following credentials to test specific financial profiles:

• theayushtandon@gmail.com (Pass: 1234 | Phone: 9109460397): Elite Profile (Score: 1000, A+ Grade).
• test@gmail.com (Pass: 1234 | Phone: 8439655313): Salaried-Rich (Score: 850-920, A Grade).
• test2@gmail.com (Pass: 1234 | Phone: 8178810191): Regular Profile (Score: 400-600, B/C Grade).