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.
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
