The Financial Control Plane You Can Actually Talk To.

The Problem

Budgeting, bills, envelopes, goals, and insurance tracking were split across multiple apps — none of which could be reasoned over by an agent. Getting a complete picture of financial health required opening four different tools and assembling the context manually.

The deeper problem: financial decisions benefit from context that spans categories. A question like 'can I afford to take on a new recurring expense this month?' requires knowing envelope balances, upcoming bills, income events, and goal progress simultaneously — data that no single app surfaces together.

What We Built

We built a 29-tool MCP with bank sync via Teller (real-time transaction ingestion and categorization), an envelope budgeting state machine (allocate, spend, transfer between envelopes), a bill tracking system (upcoming, paid, overdue state transitions), income event logging, and goal progress tracking.

A companion asset-generation MCP produces game-style UI components through Gemini — turning raw financial data into visual summaries that render inline in conversation. The result is a self-service financial control plane where full dashboard context, recategorization, and recurring-charge review all happen through natural conversation.

“Budgeting, bills, envelopes, goals, and insurance were split across apps with no single layer an agent could reason over. Now they're all in one place I can actually talk to.”

The System Architecture

29-tool MCP on Supabase. Bank sync via Teller API for real-time transaction ingestion. Envelope state machine: allocate, spend, transfer, reset. Bill state machine: scheduled, upcoming, paid, overdue. Income event tracking with recurring and one-time support. Goal progress with milestone tracking. Companion Gemini asset-gen MCP for inline UI rendering.

The Results

A single conversational interface that covers the full financial picture — transactions, envelopes, bills, income, goals, and insurance — with no app-switching required.

The architecture also proved out a pattern: any domain with complex state (finance, project management, inventory) can be made conversationally accessible through a well-designed MCP layer.