BlackRoad OS Finance Pack

Financial operations pack for the BlackRoad OS ecosystem. Provides agents and tools for budgeting, reconciliation, forecasting, and financial reporting.

Overview

The Finance Pack is a vertical pack within the BlackRoad OS ecosystem that handles all financial operations, from budget management to transaction reconciliation and forecasting.

Pack ID

pack.finance

Agents

Agent	ID	Description
Budgeteer	agent.budgeteer	Budget management and allocation tracking
Reconcile	agent.reconcile	Transaction reconciliation and variance detection
Forecast	agent.forecast	Financial forecasting and trend analysis
Audit	agent.audit	Compliance verification and duplicate detection

Installation

Prerequisites

• Python >= 3.10
• Node.js >= 18.0.0
• npm >= 9.0.0

Install Dependencies

# Python dependencies
pip install -r requirements.txt

# Node.js dependencies
npm install

Usage

Python CLI

# Show pack information
python br_fin.py info

# List available agents
python br_fin.py list

# Run specific agent
python br_fin.py run budgeteer check budget-001 5000.00

# Get help
python br_fin.py help

TypeScript Build

# Build TypeScript code
npm run build

# Run tests
npm test

# Lint code
npm run lint

Agent Examples

Budgeteer

from agents.budgeteer import Budgeteer
from decimal import Decimal

# Check if expense fits budget
result = budgeteer.check_budget('budget-001', Decimal('5000.00'))
print(f"Approved: {result['approved']}")
print(f"Remaining: {result['remaining']}")

Reconcile

from agents.reconcile import Reconcile
from datetime import datetime
from decimal import Decimal

# Reconcile account
result = reconcile.reconcile_account(
    'account-001', 
    Decimal('100000.00'),
    datetime(2024, 1, 1),
    datetime(2024, 1, 31)
)
print(f"Balanced: {result['is_balanced']}")
print(f"Variance: {result['variance']}")

Forecast

import { Forecast } from './agents/forecast';

const forecast = new Forecast();
const result = forecast.simpleMovingAverage(data, 3);
console.log(`Predicted: ${result.predicted}`);
console.log(`Trend: ${result.trend}`);

Directory Structure

blackroad-os-pack-finance/
├── agents/           # Finance agents (budgeteer, reconcile, forecast, audit)
├── lib/              # Utility libraries (csv_utils, template)
├── models/           # Data models (ledger_entry, budget_model, types)
├── scripts/          # Build and maintenance scripts
├── configs/          # Configuration files
├── .github/          # GitHub workflows and issue templates
├── pack.yml          # Pack manifest
├── br_fin.py         # Python CLI entry point
├── package.json      # Node.js package configuration
├── requirements.txt  # Python dependencies
├── tsconfig.json     # TypeScript configuration
└── README.md         # This file

Integration

With Other Packs

• pack.infra-devops: Deployment automation
• pack.research-lab: Financial ML models
• blackroad-os-api: REST endpoints
• blackroad-os-web: UI components

External Services

• Stripe (payments)
• QuickBooks (accounting)
• Plaid (banking data)

Development

Running Tests

# Python tests
pytest -v

# TypeScript tests
npm test

Building

# Build TypeScript
npm run build

# Run post-build tasks
python scripts/postbuild.py

Deployment

The Finance Pack is designed to deploy on:

• Railway: For API and agent services
• Cloudflare Workers: For edge functions

Contributing

See issue templates in .github/ISSUE_TEMPLATE/:

• Feature requests: feature_request.md
• Bug reports: bug_report.md
• New agent proposals: agent_proposal.md

Labels

Use these labels for issues/PRs:

• team:finance - Finance team
• type:feature - New feature
• type:bug - Bug fix
• type:agent - New agent
• pack:finance - Finance pack
• prio:P0/P1/P2 - Priority

Security

Never commit:

• API keys or tokens
• Credentials or secrets
• Binary files or proprietary data

See .gitignore for excluded patterns.

License

MIT

Maintainers

• Team: Finance
• Team: Operator

Registry

This pack is registered in:

• blackroad-os-agents/registry/packs.yml
• Individual agents in blackroad-os-agents/registry/agents.json

---

Part of the BlackRoad OS ecosystem.

For more information, visit:

• BlackRoad OS Core
• BlackRoad OS Agents
• BlackRoad OS Docs

blackroad-os-pack-finance

💼 REPO: blackroad-os-pack-finance
ROLE: Finance Pack 💼💰 – ledgers, workflows, and controls for money-related flows inside BlackRoad OS.

🎯 MISSION

• Provide finance-grade flows as a modular Pack in BlackRoad OS (not a random spreadsheet jungle).
• Encode ledgers, approvals, reporting, and reconciliation logic in a way agents + humans can both use.
• Keep all money-adjacent actions structured, auditable, and compliance-aware.

🏗️ YOU OWN (✅)

💰 Finance workflows

• Flows for invoices, payouts, fees, subscriptions, and budgets 💳
• State machines for money moves: requested → approved → executed → reconciled 🔁
• Hooks into external providers (Stripe, banking, accounting tools) via APIs 🌐

📓 Templates & schemas

• Standard data shapes for: transaction, ledger entry, adjustment, account 🧬
• Templates for finance reports (P&L-style views, runway, MRR, etc.) 📊
• Checklists for "launching a new paid product" or "updating pricing" ✅

🤖 Agent behavior

• "Finance helper" agents (charge checker, reconciliation assistant, anomaly spotter) 🤖
• What they can auto-suggest vs what must be human-approved 🧍‍♀️
• Notification rules (when to alert ops/CEO/legal) 📡

📊 Integration glue

How finance data is surfaced in:

• blackroad-os-prism-console (finance dashboards) 🕹️
• blackroad-os-archive (immutable finance-related event logs) 🧾
• blackroad-os-operator (jobs like "daily reconciliation sweep") ⚙️

🚫 YOU DO NOT OWN

• 🚫 Core app identity/domain models → blackroad-os-core 🧠
• 🚫 Infra-as-code / secrets → blackroad-os-infra ☁️
• 🚫 Edge routing → blackroad-os-api-gateway 🌉
• 🚫 General docs / mission / handbook → blackroad-os-docs / -home 📚🏠
• 🚫 Legal/compliance pack rules → blackroad-os-pack-legal 💼⚖️
• 🚫 Raw system logs → blackroad-os-archive 🧾

🧪 TESTING / SAFETY

For each workflow (invoice, payout, subscription, etc.):

• ✅ Tests for every state transition 🔁
• ✅ Tests that ensure idempotency (no accidental double-charge) 🧬
• ✅ Tests for failure paths (provider error, declined card, network failure) ⚠️

For any calculation logic:

• 🧪 Unit tests with explicit input→output examples
• 🧪 Round-trip tests where applicable (e.g., sum of ledger entries = reported balance)

🔐 COMPLIANCE / RISK GUARDRAILS

This Pack is financially sensitive:

• 🚫 No live API keys or account credentials in code or examples
• 🚫 No real customer PII or account numbers – use synthetic IDs
• 🧾 Ensure that important events (charges, payouts, refunds, write-offs) are mirrored as archive records

For flows that affect:

• 💵 actual money leaving/entering accounts
• 🪪 identity / KYC / AML checks
• ⚖️ regulatory reporting thresholds

Mark clearly:

// HIGH-RISK FINANCE FLOW – HUMAN APPROVAL REQUIRED

📏 DESIGN PRINCIPLES

blackroad-os-pack-finance = "finance as a reusable product Pack":

• 💼 Plugs into OS similarly to Legal/Education/etc.
• 🧭 Defines canonical finance workflows and shapes, not infra details.

Each workflow/schema should answer:

1. What business scenario is this for? (subscription, invoice, payout, etc.) 1️⃣
2. Who/what is allowed to trigger or approve it? (roles/agents) 2️⃣
3. What audit trail is produced, and where is it stored? (archive, external system, etc.) 3️⃣

🧬 LOCAL EMOJI LEGEND (SNAPSHOT)

Emoji	Meaning
💼	pack / vertical product
💰	money / finance
📊	reports / metrics
🧬	schemas / ledger shapes
🤖	helper agents
⚠️	financial risk / failure
🧾	audit / reconciliation

🎯 SUCCESS CRITERIA

If a finance-minded human/agent lands here, they should be able to:

1. See the standard finance flows wired into BlackRoad OS (how we handle money stuff). 1️⃣
2. Understand where human approvals are mandatory vs where agents can automate. 2️⃣
3. Know how finance events surface in dashboards and archives for reporting + audits. 3️⃣

Blackroad OS Finance Pack (Gen-0)

FinancePack-Gen-0 scaffolds a finance operations toolkit with ledgers, Python models, TS agents, and workflow templates. Everything is text-first for easy review and automation.

Quickstart

python -m venv .venv && source .venv/bin/activate
pip install -r requirements.txt
python br_fin.py import ledgers
python br_fin.py forecast cash-flow --months 3

Render workflow templates:

pnpm i
pnpm ts-node lib/template.ts workflows/monthly-close.yaml.hbs > .github/workflows/close.yml

Components

• Ledgers: CSV double-entry examples under ledgers/.
• CLI: br_fin.py for imports, reconciliation, and forecasting.
• Models: Pydantic schemas for ledger entries and budgets.
• Agents: TypeScript utilities for forecasting and template rendering.
• Workflows: Handlebars YAML templates for recurring finance actions.

Notes

• Keep files under 120 lines; use Mermaid for diagrams when needed.
• TODO(fin-pack-next): multi-currency support, Stripe webhook agent, SEC filing generator.