v1.2 · Released · December 27, 2025
Solvency & Integrity Update
A major architectural shift focusing on financial solvency, credit integrity, and accurate liability tracking. We moved away from simple cash flow tracking to a more robust "Net Worth" model.
Dashboard Refactor
- Introduced "Solvency First" design philosophy.
- Replaced tactical cash flow cards with a Financial Health Grid (Net Worth, Runway, Debt To Asset).
- Added "Total Debt" and "Credit Utilization" as primary KPI metrics.
- Split Account Overview into distinct "Liquid Assets" and "Liabilities" sections.
Financial Reporting
- Completely Redesigned Balance Sheet: Aligned Assets & Liabilities for easier reading.
- Added Net Worth Context: New footer showing Total Equity (Assets - Liabilities).
- Detailed Liability Context: Added credit utilization bars directly to liability accounts in the report.
Credit Card Integrity
- Enforced strict liability logic: Credit Cards & Loans are now always treated as Liabilities.
- Added "Credit Limit" field to account management.
- Implemented strict backend validation to prevent misclassification of debt instruments.
Visual Enhancements
- Added color-coded "Danger Thresholds" (50%) for credit utilization bars.
- Improved empty states for various sections.