Personal Finance Spec
Provider-neutral V1 contracts for a subject-bound PersonalOS finance overview: wealth positions, cash flow and budgets, ownership, documents, obligations, granular consent, minimized projections, and correction/export/deletion rights. Additive V1 contracts also cover immutable wealth snapshots, expiring pocket family-office views, governed goal scenarios, and consent-bound account sync pages with encrypted cursor references and integrity receipts.
The durable operations subpaths define five exact, subject-owned commands for append-only records and corrections, governed scenario changes, connection lifecycle changes, and provider-page reconciliation. Each command binds the canonical action risk, exact subject/version and consent, expected revision, idempotency key, evidence references, and domain-separated payload digest. Nested replacement, scenario, connection, and page identities are validated against that same envelope; delegated finance effects are rejected.
Amounts use integer minor units and explicit currencies. Cross-currency totals require a separately evidenced conversion outside this package. The surface is descriptive and organizational, not investment, tax, legal, credit, or trading advice. Provider transports, credential custody, encrypted persistence, and formal regulatory qualification remain host responsibilities.
Existing openbanking integration contracts
The openbanking/contracts, openbanking/models, openbanking/openbanking.feature, openbanking/openbanking.capability and openbanking/telemetry subpaths own the existing account, balance and transaction provider contracts. Integration-package import paths forward to these definitions. Existing wire units, policy and registration order remain unchanged; the PersonalOS non-advisory contracts remain separate. Canonical operation digests use the pure crypto-utils canonical helper.
These retained legacy integration compatibility leaves preserve their original provider-facing schemas. They do not widen the newer PersonalOS consent, raw-data handling, minor-unit or non-advisory contract guarantees.
