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Overview

Wallets in FinAI represent different sources of money in your financial life. Each wallet maintains its own balance and can be used for income, expenses, or transfers between wallets.

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Database Schema

The Wallet model (located in app/models.py:50) stores wallet information: 
class Wallet(db.Model):
    __tablename__ = 'nguontien'

    id = db.Column('MaNguonTien', db.String(8), primary_key=True)
    user_id = db.Column('MaNguoiDung', db.String(8), db.ForeignKey('nguoidung.MaNguoiDung', ondelete='CASCADE'), nullable=False)
    name = db.Column('TenNguonTien', db.String(100), nullable=False)
    type = db.Column('LoaiNguonTien', db.String(50)) # Tiền mặt, Ngân hàng...
    balance = db.Column('SoDu', db.Float, default=0.0)
    created_at = db.Column('NgayTao', db.DateTime, default=datetime.now)

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Wallet Types

FinAI supports various wallet types to match real-world money sources:

Cash

Physical cash for daily transactions

Bank Account

Traditional savings and checking accounts

E-Wallet

Digital wallets like Momo, ZaloPay, VNPay

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Managing Wallets

1

View All Wallets

Access your wallets through the API endpoint:
GET /api/wallets
Response format (from app/routes/foundation.py:16):
[
  {
    "MaNguonTien": "a1b2c3d4",
    "TenNguonTien": "Tiền mặt",
    "LoaiNguonTien": "Cash",
    "SoDu": 5000000
  },
  {
    "MaNguonTien": "e5f6g7h8",
    "TenNguonTien": "Techcombank",
    "LoaiNguonTien": "Bank",
    "SoDu": 25000000
  }
]
2

Create a New Wallet

Add a new wallet to your account:
POST /api/wallets
Content-Type: application/json

{
  "name": "Momo Wallet",
  "type": "E-Wallet",
  "balance": 1000000
}
Wallet IDs are auto-generated using UUID (app/routes/foundation.py:22). The system creates an 8-character unique identifier.
3

Update Wallet Details

Modify wallet name, type, or manually adjust balance:
PUT /api/wallets/{wallet_id}
Content-Type: application/json

{
  "name": "Momo (Personal)",
  "type": "E-Wallet",
  "balance": 1500000
}
4

Delete a Wallet

Remove a wallet from your account:
DELETE /api/wallets/{wallet_id}
Deleting a wallet will cascade delete all associated transactions due to the foreign key constraint (ondelete='CASCADE').

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Balance Management

Wallet balances are automatically updated when you create, edit, or delete transactions. The system handles three transaction types:

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Income Transactions

When you record income (app/routes/transaction.py:71): 
if db_type == 'thu':
    wallet.balance += amount

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Expense Transactions

When you record an expense (app/routes/transaction.py:68-69): 
if db_type == 'chi':
    wallet.balance -= amount

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Transfer Transactions

When transferring between wallets (app/routes/transaction.py:72-75): 
elif db_type == 'chuyen':
    wallet.balance -= amount  # Deduct from source wallet
    dest_wallet = Wallet.query.get(final_dest_id)
    if dest_wallet: dest_wallet.balance += amount  # Add to destination wallet
Transfers are NOT counted as expenses in reports. The AI chatbot is specifically trained to exclude transfers when calculating total spending (app/ai_service.py:94-97).

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Multi-Wallet Workflows

  1. Create a “Cash” wallet for daily expenses
  2. Create a “Bank Savings” wallet for long-term money
  3. When you spend cash, record it as an expense from the Cash wallet
  4. When you deposit money, create a transfer transaction from Cash to Bank Savings
  5. View your total balance across all wallets in the dashboard
  1. Create separate wallets for Momo, ZaloPay, and ShopeePay
  2. Track which e-wallet gives you the best rewards
  3. Use the Reports feature to analyze spending by wallet
  4. Make informed decisions about which e-wallet to prioritize

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Security Considerations

All wallet operations require authentication (@api_login_required decorator in app/routes/foundation.py:11). Users can only access and modify their own wallets through the user_id foreign key constraint.
  • Transactions - Record income, expenses, and transfers
  • Reports - Analyze spending patterns by wallet
  • Budgets - Set spending limits across all wallets

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