3motiBot — Mobile AI Companion with banking & finance analysis

What’s this about?

3motiBot is my personal AI companion app. Today it is a proof that mobile + AI + local data + real banking connectivity work together — without US cloud dependency.

Banking in detail

The banking integration is the most technically demanding feature:

• Enable Banking API — a licensed PSD2-AISP provider (Account Information Service Provider). Real account access via PSD2, not just CSV import.
• Volksbank Mittelhessen successfully connected as test bank — the stack works with any PSD2-participating bank (Sparkasse, Volksbank, DKB, ING, Deutsche Bank, N26, Revolut, …).
• RSA-signed JWT auth against Enable Banking API.
• Consent management — PSD2-typical with expiry dates, revocation.
• Encrypted storage of sensitive data (IBAN, holder name, remittance info).
• Automatic categorization — rule-based + AI-assisted.

Legal clarification

I do not offer investment advice per § 32 KWG and not insurance advice per § 34d GewO. The system is explicitly an analysis and visualization tool, not a replacement for a financial advisor.

The offering — two paths

Option A — Mobile AI Companion as customer project: your company’s internal AI assistant (Llama on-prem instead of Claude, mail integration, calendar sync to Exchange/Nextcloud, optional company banking connection). 8-12 weeks, €12,000-22,000.

Option B — Banking integration as standalone module: PSD2 connection for your existing infrastructure. Useful for SME accounting, cash reconciliation, automatic booking capture, treasury dashboards. 4-6 weeks, €5,900-11,000.