{
  "name": "Pennifi",
  "description": "AI-powered personal finance app for individuals, couples, families, freelancers, and expats. 24 autonomous AI agents manage budgets, track investments, automate tax categorization, scan receipts, negotiate bills, optimize debt payoff, and provide proactive AI financial coaching.",
  "url": "https://pennifi.com",
  "version": "3.47",
  "capabilities": {
    "streaming": true,
    "authentication": ["api_key", "oauth2"],
    "protocols": ["https", "wss"],
    "agentCount": 24,
    "proactiveIntelligence": true,
    "patternLearning": true
  },
  "provider": {
    "organization": "Pennifi",
    "url": "https://pennifi.com",
    "contact": "support@pennifi.com"
  },
  "documentationUrl": "https://pennifi.com/llms.txt",
  "privacyPolicyUrl": "https://pennifi.com/privacy",
  "termsOfServiceUrl": "https://pennifi.com/terms",
  "targetAudience": [
    "individuals managing personal finances",
    "couples and households sharing budgets",
    "families with independent financial accounts",
    "freelancers and side hustlers tracking income for tax",
    "expats managing money across borders",
    "financial learners building money skills"
  ],
  "notApplicableTo": [
    "business accounting or bookkeeping",
    "lending, loans, or funding",
    "ERP or payroll systems",
    "B2B SaaS",
    "micro-investing or micro-lending"
  ],
  "pricing": {
    "personal": {
      "free": { "price": "$0/mo", "aiOps": 20, "banks": 0, "features": 10, "storage": "100 MB" },
      "premium": { "price": "$14.99/mo", "annual": "$119.99/yr", "aiOps": 300, "banks": 5, "features": 24, "storage": "2 GB" },
      "household": { "price": "$19.99/mo", "annual": "$169.99/yr", "aiOps": 300, "banks": 5, "features": 24, "members": 5, "storage": "5 GB" },
      "family": { "price": "$24.99/mo", "annual": "$219.99/yr", "aiOps": 300, "banks": 3, "features": 24, "members": 2, "storage": "5 GB" },
      "pro": { "price": "$29.99/mo", "annual": "$249.99/yr", "aiOps": 1000, "banks": 10, "features": 29, "members": 10, "storage": "10 GB" }
    },
    "addOns": {
      "extraStorage": "$1.99/mo per 10 GB",
      "extraAiOps": "$4.99/mo per 200 ops",
      "extraBankConnections": "$1.99/mo per 2 connections"
    }
  },
  "skills": [
    {
      "id": "financial-coaching",
      "name": "AI Financial Coaching",
      "description": "Ask questions about personal finances and get data-driven, personalized answers based on real transaction history via 24 autonomous agents."
    },
    {
      "id": "transaction-categorization",
      "name": "Transaction Categorization",
      "description": "Automatically categorize bank transactions into spending categories with AI confidence scoring."
    },
    {
      "id": "tax-audit",
      "name": "Tax Categorization & Audit",
      "description": "AI-powered tax category assignment and audit trail generation for deductible expenses."
    },
    {
      "id": "receipt-scanning",
      "name": "Receipt Scanning",
      "description": "Parse receipts via mobile camera. Extract vendor, amount, date, and line items with AI."
    },
    {
      "id": "invoice-parsing",
      "name": "Invoice Parsing & Matching",
      "description": "Extract structured data from invoices and match to bank transactions automatically."
    },
    {
      "id": "subscription-detection",
      "name": "Subscription Detection",
      "description": "Identify recurring charges across connected accounts and benchmark costs."
    },
    {
      "id": "behavioral-coaching",
      "name": "Behavioral Coaching",
      "description": "AI-generated micro-challenges, spending nudges, and streak-based habit formation."
    },
    {
      "id": "proactive-watchdog",
      "name": "Proactive Watchdog",
      "description": "Real-time transaction monitoring with pattern learning engine. Detects anomalies, predicts bills, and surfaces savings opportunities autonomously."
    },
    {
      "id": "debt-payoff",
      "name": "Debt Payoff Agent",
      "description": "Analyzes debts and creates optimal payoff plans using avalanche or snowball strategies with timeline projections."
    },
    {
      "id": "bill-negotiation",
      "name": "Bill Negotiation Agent",
      "description": "Scans subscriptions for savings, identifies cancellation candidates, and generates phone negotiation scripts with exact phrases."
    },
    {
      "id": "investment-analysis",
      "name": "Investment Agent",
      "description": "Portfolio diversification scoring, rebalance detection, and tax-efficient allocation suggestions via SnapTrade integration."
    },
    {
      "id": "net-worth-tracking",
      "name": "Net Worth Agent",
      "description": "Real-time net worth snapshots with health scoring, trend analysis, and multi-year forecasting."
    }
  ],
  "products": [
    {
      "name": "Personal Finance",
      "status": "live",
      "agents": 24,
      "tiers": ["Free", "Premium", "Household", "Family", "Pro"],
      "url": "https://pennifi.com/pricing"
    }
  ]
}