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Orvian
Money, organized.
Orvian is an AI-driven personal financial operating system that transforms traditional money management into a programmable envelope-based financial framework. It provides a non-custodial intelligence layer that organizes funds, automates allocations, manages financial goals, and enforces tax planning rules through a transparent ledger architecture.
Orvian is designed around the principle that money should have structure, purpose, and visibility. Instead of treating a bank balance as one pool of available funds, Orvian creates intelligent financial containers with rules, timelines, and automated decision support.
Core Architecture
Orvian is built as a modular financial platform consisting of core modules and optional plug-in modules. The core system provides the foundation for envelope management, financial rules, AI assistance, and ledger integrity, while optional modules extend functionality for specialized financial workflows.
Core Modules
Envelope Management Module
The foundation of Orvian’s financial organization system.
Features:
- Create unlimited virtual financial envelopes
- Organize funds by purpose and priority
- Track balances independently from bank account balances
- Support multiple envelope types
- Manage envelope relationships and allocation rules
- Maintain envelope history and activity records
Envelope types:
Standard Envelopes
Flexible user-controlled financial categories.
Features:
- Create, edit, merge, and delete envelopes
- Budget tracking
- Spending allocation
- Savings organization
- Custom rules and alerts
Goal Envelopes
Time-based savings structures designed around user-defined objectives.
Features:
- Define financial targets
- Set goal completion dates
- Track progress toward objectives
- Calculate recommended contribution amounts
- Forecast completion probability using AI
- Pause or modify goals
- Allow user cancellation
- Reallocate remaining funds after cancellation
Tax Envelopes
System-governed financial structures for tax readiness.
Features:
- Automatic tax envelope creation
- Interest income tax allocation
- Default 33% interest allocation rule
- Quarterly tax preparation workflow
- Locked tax allocation periods
- January 6th tax year finalization process
- Non-overridable governance rules
- Historical tax record preservation
Ledger Engine Module
Provides the accounting foundation for Orvian.
Features:
- Double-entry compatible ledger architecture
- Transaction recording
- Balance reconciliation
- Envelope allocation tracking
- Financial event history
- Immutable audit records
- Ledger consistency validation
Financial Rules Engine Module
Controls automated financial behavior.
Features:
- Rule-based allocation system
- Priority-based financial policies
- Configurable rule definitions
- Automated decision execution
- Rule validation
- Conflict detection
Rule hierarchy:
- Tax governance rules
- System enforced
- Cannot be overridden
- Goal envelope rules
- User controlled
- Time-based constraints
- Standard envelope rules
- Fully flexible
Banking Integration Module
Connects Orvian with external financial accounts.
Features:
- Bank account synchronization
- Transaction importing
- Balance updates
- Interest income detection
- Financial institution connectors
- API-based integrations
Design principles:
- Non-custodial architecture
- User retains ownership of funds
- No direct fund custody by Orvian
AI Financial Intelligence Module
Provides intelligent analysis and recommendations.
Features:
- Transaction classification
- Income recognition
- Expense pattern analysis
- Cash flow forecasting
- Goal completion predictions
- Tax funding analysis
- Financial optimization suggestions
- Explainable AI recommendations
Time Lock & Scheduling Module
Manages financial timelines and automated events.
Features:
- Date-based envelope restrictions
- Goal release scheduling
- Tax envelope locking
- Quarterly financial cycles
- Scheduled allocation events
- Automated workflow execution
Security & Privacy Module
Protects financial data and user control.
Features:
- Encryption support
- Secure credential handling
- Access control framework
- Audit logging
- Privacy-focused architecture
- Non-custodial financial design
Reporting Module
Provides financial visibility and exports.
Features:
- Envelope reports
- Goal progress reports
- Tax summaries
- Transaction history exports
- Financial snapshots
- Accountant-ready reports
Optional Plug-In Modules
Advanced Tax Intelligence Module
Extends tax planning capabilities.
Features:
- Multi-income tax forecasting
- Estimated tax calculations
- Tax scenario modeling
- Tax professional collaboration tools
- Regional tax rule extensions
Investment Management Module
Adds investment tracking and allocation.
Features:
- Portfolio tracking
- Investment envelope support
- Asset allocation recommendations
- Risk analysis
- Long-term wealth forecasting
Household Finance Module
Supports shared financial management.
Features:
- Multiple user profiles
- Family envelope sharing
- Permission-based access
- Shared financial goals
- Household budgeting workflows
Business Finance Module
Extends Orvian for entrepreneurs and small businesses.
Features:
- Business expense envelopes
- Revenue allocation
- Operating reserve management
- Business tax envelopes
- Cash flow forecasting
AI Financial Advisor Module
Adds conversational financial guidance.
Features:
- Natural language financial questions
- Personalized financial recommendations
- Scenario analysis
- Budget improvement suggestions
- Financial education assistance
Automation Marketplace Module
Allows third-party extensions.
Features:
- Plugin discovery
- Custom allocation rules
- Financial workflow extensions
- Community-developed modules
- External service integrations
Multi-Currency Module
Supports international financial management.
Features:
- Multiple currency envelopes
- Currency conversion tracking
- Exchange rate monitoring
- International financial reporting
Open API Module
Provides developer access.
Features:
- REST API support
- External application integrations
- Custom dashboards
- Third-party automation
- Developer extension framework
Design Principles
Orvian is built around:
- User ownership of financial decisions
- Transparent financial automation
- Explainable AI behavior
- Non-custodial architecture
- Modular extensibility
- Open-source financial infrastructure
- Auditability of all financial actions
Specification Branding License (SBL)
Standard
- Fully AGPL-3.0+ compliant system
- Copyleft enforced for network deployments
- Required attribution:
- Roxanne Ardary
- https://www.roxanneardary.com/
Optional
- Specification Branding License (SBL)
- Attribution-free commercial deployment
- Pricing based on scale, usage, and deployment scope
- https://roxanneardary.com/orvian/
License & Notice Requirements
Orvian is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).
By contributing to this project, you agree that your contributions will also be released under this license.
Please note the following:
- All contributions must comply with the AGPL-3.0+ terms.
- Under Section 7 of the license, all redistributions, forks, and derivative works must preserve attribution to: Roxanne Ardary and roxanneardary.com.
- Orvian specificiations are free to use with attribution. A Specification Branding License can be negotiated upon request.
- The project’s notice.md file tracks attribution requirements and contributor acknowledgments.
- Any update that adds new contributors or modifies attribution should also update
notice.md. - When submitting a pull request, ensure that any new files maintain the attribution headers where applicable.
- Network-deployed versions of this software must also remain fully AGPL-3.0+ compliant, including exposure of source code modifications when applicable under the license.
For full legal details, please refer to the AGPL-3.0+ license and the project’s notice.md file.
Notice – Orvian
Attribution Requirement: Under Section 7 of the AGPL 3.0+ license, all redistributions, forks, and derivative works, including network-deployed versions of this project, must provide attribution to Roxanne Ardary and roxanneardary.com.
Contributors
This file tracks contributors and their specific contributions to the project.
- Roxanne Ardary, roxanneardary.com – June 19, 2026
Created the repository for Orvian. Designed the core architecture for an AI-driven envelope-based financial operating system with tax automation rules and goal-based financial envelopes. - [Add other contributors here] – [Date]
[Describe contribution in one sentence]
License – Orvian
This repository is licensed under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).
Key Points:
- You are free to use, modify, and distribute the code.
- All redistributions, forks, and derivative works or network-deployed versions must also be licensed under AGPL-3.0+ and provide attribution to Roxanne Ardary and roxanneardary.com as required under Section 7 of the license.
- The software is provided “as is,” without warranty of any kind.
For the full license text, see GNU AGPL-3.0 License.