ray-finance 0.3.4 → 0.3.5

package/README.md

@@ -3,7 +3,7 @@
 </p>
 
 <p align="center">
-  An open-source CLI that connects to your bank and already knows your finances before you ask.
+  An open-source AI financial advisor that learns your situation and gets smarter every conversation.
 </p>
 
 <p align="center">
@@ -15,26 +15,37 @@
 <br />
 
 <p align="center">
-  <img src=".github/ray-demo.png" alt="Ray demo" />
+  <img src=".github/ray-demo.png" alt="Ray demo" width="100%" />
 </p>
 
-Open Ray and it shows your net worth, spending vs last month, budget pacing, and upcoming bills — before you type a word. Ask a question and it answers from your real data, not guesses. Local-first. Encrypted. Open source.
+Tell Ray about your family, goals, and financial strategy once. From then on, every answer is grounded in your real situation — not generic advice. It connects to your bank, tracks your net worth and spending, and gives you a financial briefing before you type a word. Open source. Local-first. Encrypted.
 
 ## Features
 
-- **It already knows** — Every conversation starts with a real-time financial briefing. Net worth, spending velocity, budget alerts, goal pace, upcoming bills, and your daily score. No "let me look that up."
-- **Persistent context** — Ray maintains a financial profile that evolves with you: income, goals, strategy, key decisions, and open items. It updates this context as your situation changes, so every conversation picks up where the last one left off.
-- **Long-term memory** — Important details from conversations are saved as memories. Mention you're saving for a house or switching jobs and Ray remembers — without you repeating yourself.
-- **Bank sync via Plaid** — Connect checking, savings, credit cards, investments, and loans
-- **Encrypted local database** — All data stays on your machine in an AES-256 encrypted SQLite database
-- **Daily scoring** — A 0-100 behavior score with streaks and 14 unlockable achievements. No restaurants for a week? That's Kitchen Hero. Five zero-spend days? Monk Mode.
+### It gets smarter every conversation
+
+- **Your situation, always loaded** — Every conversation starts with your financial profile: family, income, goals, strategy, key decisions, and open items. Ray reads it all before you type a word.
+- **Self-updating context** — Got a raise? Had a baby? Decided to pay off debt aggressively? Ray updates your profile automatically when your situation changes.
+- **Long-term memory** — Mention you're saving for a house or that you cancelled a subscription. Ray remembers across every future conversation.
+
+### Stay on track without trying
+
 - **CFO personality** — Ray doesn't list options. It tells you what it would do and why, references your goals, and flags problems you haven't noticed yet.
-- **Budgets and goals** — Track spending limits by category and progress toward financial goals
+- **Daily scoring** — A 0-100 behavior score with streaks and 14 unlockable achievements. No restaurants for a week? That's Kitchen Hero. Five zero-spend days? Monk Mode.
+- **Budgets and goals** — Track spending limits by category and progress toward financial goals.
+- **Smart alerts** — Large transactions, low balances, budget overruns.
+
+### Your data never leaves your machine
+
+- **Encrypted local database** — All data stays on your machine in an AES-256 encrypted SQLite database.
 - **PII masking** — Names, account numbers, and identifying details are scrubbed before anything reaches the AI. Your data is analyzed, not exposed.
-- **Smart alerts** — Large transactions, low balances, budget overruns
-- **Auto-recategorization** — Define rules to automatically re-label transactions
-- **Scheduled daily sync** — Automatic bank sync via launchd (macOS) or cron (Linux)
-- **Export/import** — Back up and restore your financial data
+
+### Set it and forget it
+
+- **Bank sync via Plaid** — Connect checking, savings, credit cards, investments, and loans.
+- **Scheduled daily sync** — Automatic bank sync via launchd (macOS) or cron (Linux).
+- **Auto-recategorization** — Define rules to automatically re-label transactions.
+- **Export/import** — Back up and restore your financial data.
 
 ## Install
 
@@ -70,7 +81,7 @@ ray setup
 
 The setup wizard offers two modes:
 
-### Quick setup (managed)
+### Pro (quick setup)
 
 We handle the API keys. Your data stays local. $10/mo.
 
@@ -79,7 +90,7 @@ We handle the API keys. Your data stays local. $10/mo.
 3. Link your accounts — checking, savings, credit cards, investments, loans, mortgage
 4. Done — daily sync auto-scheduled at 6am
 
-### Self-hosted
+### Bring your own keys
 
 Bring your own Anthropic and Plaid credentials. Free forever.
 
@@ -99,17 +110,24 @@ Run `ray --help` to see all available commands.
 | `ray --demo <cmd>` | Run any command against demo data |
 | `ray setup` | Configure API keys and preferences |
 | `ray link` | Connect a new bank account |
+| `ray add` | Add a manual account (home, car, crypto, etc.) |
+| `ray remove` | Remove a manual account |
 | `ray sync` | Pull latest transactions and balances |
 | `ray status` | Quick financial dashboard |
+| `ray accounts` | Linked accounts with balances |
 | `ray transactions` | Recent transactions (filterable by category, merchant) |
 | `ray spending [period]` | Spending breakdown by category |
 | `ray budgets` | Budget status and overruns |
 | `ray goals` | Financial goal progress |
+| `ray bills` | Upcoming bills |
+| `ray recap [period]` | Monthly spending recap |
 | `ray score` | Daily score, streaks, and achievements |
 | `ray alerts` | Active financial alerts |
 | `ray export [path]` | Export data to a backup file |
 | `ray import <path>` | Restore from a backup file |
 | `ray billing` | Manage your Ray subscription (managed mode only) |
+| `ray update` | Update Ray to the latest version |
+| `ray doctor` | Check system health |
 
 ## How It Works
 

package/dist/cli/setup.js

@@ -31,7 +31,7 @@ export async function runSetup() {
             message: "How would you like to set up Ray?",
             choices: [
                 { name: "Quick setup — we handle the API keys, your data stays local", value: "managed" },
-                { name: "Self-hosted — bring your own Anthropic and Plaid credentials", value: "selfhosted" },
+                { name: "Bring your own keys — use your own Anthropic and Plaid credentials", value: "selfhosted" },
             ],
         }]);
     let canLink = false;

package/dist/server.js

@@ -75,7 +75,15 @@ export function startLinkServer() {
         }
         catch (error) {
             console.error("Link token error:", error.message);
-            res.status(500).json({ error: "Failed to create link token" });
+            const plaidStatus = error?.response?.status;
+            if (plaidStatus === 400 || plaidStatus === 401 || plaidStatus === 403) {
+                res.status(500).json({
+                    error: "Plaid credentials error — make sure you're using production (not sandbox) keys. Check PLAID_CLIENT_ID and PLAID_SECRET in ~/.ray/config.json.",
+                });
+            }
+            else {
+                res.status(500).json({ error: "Failed to create link token: " + (error.message || "unknown error") });
+            }
         }
     });
     // Exchange public token

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "ray-finance",
-  "version": "0.3.4",
+  "version": "0.3.5",
   "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
   "type": "module",
   "license": "MIT",