Sakku 2.0 — Privacy-First Wealth OS
Privacy-first personal & family financial operating system with zero-knowledge offline architecture, envelope budgeting, and real-time net worth tracking.
System Preview
System Architecture Diagram
Sakku 2.0 Privacy-First Wealth Architecture
Zero-Knowledge FinTech PWA linking personal & family multi-account balances into a real-time Net Worth calculator with natural language text parsing.
Catat Cepat Input
Conversational Client
Indonesian Regex Parser
Text & Amount Classifier
Envelope Budget Allocator
Cap & Spending Ratios
Wealth & Net Worth Hub
Multi-Account Calculator
Catat Cepat Input
Conversational Client
Users type informal conversational notes (e.g. 'Makan siang 35rb pakai GoPay').
Interactive Wealth Engine (Catat Cepat & Envelope Budgeting)
Live Interactive ComponentSakku 2.0 — Interactive Wealth Engine
Zero-Knowledge Local-First Architecture · Natural Language Tokenizer · Envelope Budgeting
Multi-Account AggregatorReal-Time Sync
Visual Envelope Budgeting
Zero-Based MethodSemua data finansial diproses 100% di browser pengguna (*Local-First Storage*). Tanpa server database pihak ketiga, tanpa pelacakan, dan tanpa risiko kebocoran credential perbankan.
Project Narrative & Background
Sakku 2.0 is an evolution in personal and family financial management, built on the uncompromising foundation of 'Privacy-First, Zero-Latency, Zero-Subscription'. Unlike conventional FinTech applications that monetize user data or charge heavy recurring fees, Sakku 2.0 stores 100% of data locally on the user's device while providing executive-tier financial telemetry. Features include a natural language 'Catat Cepat' parser, envelope budget allocations, multi-account net worth tracking, and an offline-first PWA experience.
Architectural Context: Privacy-first wealth operating system delivering executive financial telemetry with zero monthly subscriptions and 100% data sovereignty.
The Operational Challenge
Balancing strict 100% data sovereignty (zero cloud storage of banking credentials or personal transactions) with rich executive telemetry (Net Worth, Savings Rate %, Envelope Budgeting, and instant natural-language transaction parsing).
The Engineering Solution
Engineered Sakku 2.0: A high-performance Local-First PWA featuring natural-language 'Catat Cepat' parsing, visual envelope budgeting, dynamic multi-account net worth aggregation, and an upcoming zero-knowledge encrypted sync engine.
Key Architectural & Design Decisions
- 01Adopted a strict Local-First / Zero-Knowledge storage paradigm to eliminate third-party privacy risks.
- 02Engineered a custom Indonesian regex tokenizer for conversational amounts ('25rb', '12jt', 'Gaji masuk BCA').
- 03Modeled finances after the classic Envelope Budgeting methodology to curb impulse spending.
- 04Provided one-click JSON backup/restore protocols to ensure users retain complete control over their financial history.
Key Deliverables & System Capabilities
- Natural-language 'Catat Cepat' transaction parser with automatic category & account mapping
- Visual Envelope Budgeting Engine with dynamic weekly/monthly cap ratios
- Multi-Account Net Worth Aggregator (Cash, BCA, GoPay, Jago, Bareksa Investments & Liabilities)
- Executive Financial Telemetry (Net Worth, Savings Rate %, 6-Month Cash Flow & Expense Breakdown)
- Zero-Knowledge Local-First architecture ensuring 100% data sovereignty and zero server leaks
- PWA installability with instant offline load and responsive mobile-first UI
Project Outcome & Operational Impact
Successfully deployed at sakku-2-0.vercel.app, empowering users with institutional-grade financial visibility, zero tracking, and zero subscription costs.