Krokly — an AI personal-finance app, built end-to-end by Encomage
Krokly is Encomage's own AI-powered personal-finance app, built in-house for the Ukrainian market — Monobank, multi-currency and crypto, and FOP accounting. A full-stack monorepo, now in pre-launch ahead of a summer 2026 release.
THE PRODUCT
Krokly is a personal-finance manager that Encomage designed and built entirely in-house — product, backend, frontend, AI and infrastructure. It's built for how people in Ukraine actually manage money: Monobank integration, the hryvnia alongside multiple currencies and crypto, and FOP accounting kept separate from personal finances. Rather than a spreadsheet replacement, it's an AI assistant that handles the data entry and sorting for you — and it's architected for financial accuracy from the first commit, so the balance is always right. The product is currently in pre-launch ahead of a summer 2026 release.
The challenge
Most personal-finance apps lose the user's trust in the same two ways — they get the maths wrong, and they make you do all the work. For the Ukrainian market, a third gap sits on top: the tools that handle local reality well are rare.
- Most apps miscount money. A transfer between your own cards gets logged as a spend; a debt isn't treated as an asset. The balance quietly drifts, and once the numbers stop being trustworthy, people stop using the app.
- Manual tracking is a chore. Typing in every receipt and hand-sorting every transaction is exactly the friction that makes finance apps get abandoned within a week.
- Ukrainian financial reality is underserved. Monobank, FOP accounting, the hryvnia next to several currencies and crypto, and even signed (КЕП / ДСТУ) bank statements — generic international apps don't handle these natively.
The solution
Encomage built Krokly from scratch as a full-stack monorepo — Node.js/tRPC backend, React PWA, public site, admin panel and a dedicated AI worker — with financial correctness enforced at the architecture level.
An accuracy-first financial engine.
All money math runs on Decimal (never float); balances are always computed from transactions, never stored; everything uses soft-delete with full history; and compound operations are atomic. Krokly distinguishes the real types of financial event — income, expenses, returns, transfers, currency exchange, debts and initial balances — so a transfer is never counted as a spend, and supports transaction splitting and cross-currency transfers as atomic, balance-neutral pairs.
AI that does the data entry for you.
Photograph a receipt and Claude (vision) reads the date, amount, merchant and items and suggests a category, with a confidence score, processed asynchronously via a BullMQ queue. Bank-statement import accepts CSV and PDF — including signed PKCS#7 / КЕП-ДСТУ containers and scanned PDFs — using hybrid AI column-parsing plus deterministic row-parsing, with a staged preview before anything is committed. Monthly AI insights turn pre-computed aggregates and anomalies into a plain-language summary in the user's language.
One-click Monobank and true multi-currency.
A CSRF-protected Monobank OAuth flow with real-time webhook sync (plus polling and historical import), composite-hash duplicate detection, and preservation of the user's own edits on re-sync. Ten currencies — UAH, USD, EUR, GBP, PLN, CZK, CHF plus BTC, ETH and USDT — are aggregated through a multi-provider rate system (Monobank, CoinGecko, Coinbase) cached in Redis.
Spaces for personal and business.
Isolated financial contexts (personal, FOP, family) each with their own accounts and categories, email invitations, owner/member roles and shared CRUD — so personal money and FOP money stay separate inside one account.
Security built in from day one.
Argon2id password hashing, two-factor authentication (TOTP) with recovery codes, short-lived access tokens plus refresh tokens in httpOnly cookies, multi-device session management, IP/email rate-limiting and Google OAuth.
Cross-platform delivery.
An installable React PWA that runs on desktop, tablet and phone with no app store and instant sync, full localization (Ukrainian, Russian, English) and light/dark themes — with native iOS and Android apps now in preparation, and an internal admin panel with a full audit log.
AI does the data entry. Photograph a receipt and AI reads the date, amount, merchant and items and suggests a category with a confidence score — so tracking spending is a photo, not a form.
At a glance
Product owner
Encomage (own product)
Industry
Personal finance / Fintech
Region / size
Ukraine — built for the Ukrainian market · individuals & sole proprietors (ФОП)
Services
Full-cycle product design & engineering — built from scratch
Technologies
Node.js · tRPC · Prisma / PostgreSQL · Redis · BullMQ · React PWA · Next.js · Anthropic Claude · Monobank API
Timeline / Status
In pre-launch — launching summer 2026 · web + installable PWA ready, native iOS & Android in preparation
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THE RESULT
Krokly is a complete, feature-rich personal-finance product — accounts, transactions, debts, categories, analytics, bank integration and AI — built end-to-end and now in pre-launch ahead of a summer 2026 release. As an Encomage product, it's also the clearest proof of what the team builds: a production-grade fintech application, accurate by architecture, designed and engineered in-house across the whole stack.
Feature-complete
A full finance product, not a prototype, in pre-launch for a summer 2026 launch.
Cross-platform
Web platform and installable PWA across desktop and mobile, with native iOS and Android apps in preparation.
Accurate by architecture
Decimal money math, transaction-derived balances and atomic operations — the numbers don't drift.
Full-cycle in one product
Product, backend, frontend, AI and infrastructure, all built by Encomage.
Services on this project
We integrate AI into e-commerce and SaaS platforms to automate processes, deliver personalized customer experiences, and uncover insights that drive growth and efficiency.
We provide end-to-end product development, transforming ideas into successful digital solutions. From concept to market launch, we ensure your product meets your business goals.
Tell us what you're trying to ship. We'll tell you how we'd approach it.
See It In Action
Built for how Ukraine actually banks. One-click Monobank sync with real-time updates, and ten currencies — hryvnia, major fiat and BTC/ETH/USDT — aggregated on live rates. (Sample data shown.)
Personal and FOP money, side by side but separate. Isolated spaces — personal, sole-proprietor (ФОП) and family — each with their own accounts and categories inside one login.
Numbers turned into plain language. Monthly AI insights summarize spending, income and anomalies in the user's own language — the analysis without the spreadsheet. (Sample data shown.)
PRODUCT VISION
“Krokly started as the app we wished existed. Nothing we tried covered all of it at once — accurate accounting, Ukrainian banking, multiple currencies, and AI that handles the tedious part — so we built it ourselves, end to end.”
Andrii Bondarenko
CTO — Encomage
TECHNOLOGIES
