Notifications & Triggers

Proactive AI-powered financial notifications that keep you informed about budgets, goals, debts, and spending patterns

1 Overview

Monaime uses an AI-powered trigger system that proactively monitors your financial activity and sends intelligent notifications. Unlike static alerts, these notifications are context-aware — they consider your spending history, patterns, and preferences to deliver relevant insights at the right time.

💡

AI-Generated Messages Each notification message is generated by AI (GPT-4o), so they read naturally and include specific context about your finances rather than generic template text.

2 Trigger Types

Budget Alerts

⚠️ limit_warning

Budget

Budget approaching limit. Warns you before you overspend on a category.

Threshold: 80% (configurable)

🚫 limit_exceeded

Budget

Budget exceeded. Immediate alert when spending surpasses the budget limit.

Threshold: 100%

Goal Milestones

🎯 goal_milestone

Goal

Savings goal progress milestone reached. Celebrates your progress.

Milestones: 25%, 50%, 75%

🎉 goal_completed

Goal

Savings goal fully achieved! Congratulates you on reaching the target.

Milestone: 100%

Smart Detection

💰 salary_detected

Smart

Large income detected. Suggests saving a portion or distributing to goals.

📊 unusual_expense

Smart

Expense significantly higher than your average for this category.

📈 spending_spike

Smart

Overall spending increased compared to the same period last month.

💡 smart_budget_adjust

Smart

Suggests budget adjustment based on actual spending patterns.

Debt & Recurring

⏰ debt_due_soon

Debt

Debt payment due within 3 days. Reminds you to pay on time.

Lookahead: 3 days

🔴 debt_overdue

Debt

Debt past due date. Urgent reminder to settle the payment.

✅ can_repay_debt

Debt

You have enough balance to repay an outstanding debt.

🔄 recurring_today

Recurring

A subscription or recurring payment is due today.

📅 recurring_tomorrow

Recurring

A subscription or recurring payment is due tomorrow.

Reports & Digests

☀️ daily_digest

Report

Morning financial overview with yesterday's summary and today's plan.

Frequency: once per day, on login

📊 weekly_insight

Report

Weekly spending analysis and insights. Disabled by default.

Default: disabled

📋 monthly_summary

Report

Comprehensive monthly financial report with trends and recommendations.

3 Notification Flow

1. Trigger Event e.g., transaction exceeds budget limit ↓ 2. Check Trigger Config Is this trigger type enabled for this user? ↓ 3. Check Quiet Hours Default: 23:00 - 08:00 (no notifications) ↓ 4. Proactive Guard Anti-spam: 5 min cooldown between similar notifications ↓ 5. Generate Message (AI-powered) GPT-4o generates contextual, natural-language notification ↓ 6. Delivery ├── Online → WebSocket (chat message + quick actions) └── Offline → DB storage + Push notification ↓ 7. User Actions See / Act / Dismiss / Snooze

4 Quick Actions

Notifications include interactive quick action buttons that let users respond directly without typing commands.

// Example: salary detected notification with quick actions
{
  "type": "ai_notification",
  "payload": {
    "message": "Salary of 150,000 RUB detected! Would you like to save some?",
    "quick_actions": [
      { "command": "transfer_to_goal", "params": { "amount": 15000 }, "label": "Save 10%" },
      { "command": "transfer_to_goal", "params": { "amount": 30000 }, "label": "Save 20%" },
      { "command": "__dismiss__", "params": {}, "label": "Not now" }
    ]
  }
}

Supported Action Types

Command	Description	Used In
transfer_to_goal	Transfer money to a savings goal	salary_detected, goal_milestone
create_budget	Set budget for a category	spending_spike, unusual_expense
adjust_budget	Increase or decrease budget limit	smart_budget_adjust
repay_debt	Pay off outstanding debt	can_repay_debt, debt_due_soon
contribute_to_goal	Add money to a specific goal	goal_milestone
view_details	Show entity details	Any trigger
__dismiss__	Dismiss the notification	All triggers

5 Notification Lifecycle

pending

→

seen

→

acted

pending

→

seen

→

dismissed

pending

→

snoozed

→

pending

(after delay)

💡

Snooze Snoozed notifications reappear after a configurable delay (default: 1 hour). Useful for "remind me later" scenarios.

6 User Configuration

Each user can fully customize which triggers are active, configure thresholds, and set quiet hours via the settings screen or API.

// Trigger configuration (stored per user)
{
  "enabled": true,                // Master switch
  "push_enabled": true,           // Push notifications
  "quiet_hours_start": "23:00",    // No notifications after
  "quiet_hours_end": "08:00",      // No notifications before
  "triggers": {
    "limit_warning":    { "enabled": true, "threshold": 80 },
    "limit_exceeded":   { "enabled": true },
    "goal_milestone":   { "enabled": true },
    "goal_completed":   { "enabled": true },
    "salary_detected":  { "enabled": true },
    "unusual_expense":  { "enabled": true },
    "spending_spike":   { "enabled": true },
    "recurring_today":  { "enabled": true },
    "recurring_tomorrow": { "enabled": true },
    "debt_due_soon":    { "enabled": true },
    "debt_overdue":     { "enabled": true },
    "can_repay_debt":   { "enabled": true },
    "daily_digest":     { "enabled": true },
    "weekly_insight":   { "enabled": false },
    "monthly_summary":  { "enabled": true },
    "smart_budget_adjust": { "enabled": true }
  }
}

7 Push Notifications

When the user is offline (WebSocket disconnected), notifications are stored in the database and delivered via push notifications.

Delivery Priority

Urgent

debt_overdue

High

limit_exceeded, debt_due_soon

Normal

goal_milestone, salary_detected

Low

weekly_insight, suggestions

// Device token registration (iOS / Android)
POST /api/push/register
{
  "token": "FCM device token",
  "platform": "ios" | "android"
}

// Token is stored and used for offline delivery
// Automatically cleaned up when user logs out

8 Anti-Spam Protection

The Proactive Guard service prevents notification fatigue with multiple protection layers:

⏱️ Cooldown

5-minute cooldown between similar notifications of the same trigger type. Prevents rapid-fire alerts.

🌙 Quiet Hours

No notifications between 23:00 and 08:00 by default. Configurable per user.

🔢 Daily Limit

Maximum number of proactive notifications per day to prevent overload.

🧠 Deduplication

Same notification about the same entity won't be sent twice (e.g., budget warning for same category).

Notifications & Triggers

On this page

1 Overview

2 Trigger Types

Budget Alerts

⚠️ limit_warning

🚫 limit_exceeded

Goal Milestones

🎯 goal_milestone

🎉 goal_completed

Smart Detection

💰 salary_detected

📊 unusual_expense

📈 spending_spike

💡 smart_budget_adjust

Debt & Recurring

⏰ debt_due_soon

🔴 debt_overdue

✅ can_repay_debt

🔄 recurring_today

📅 recurring_tomorrow

Reports & Digests

☀️ daily_digest

📊 weekly_insight

📋 monthly_summary

3 Notification Flow

4 Quick Actions

Supported Action Types

5 Notification Lifecycle

6 User Configuration

7 Push Notifications

Delivery Priority

8 Anti-Spam Protection

⏱️ Cooldown

🌙 Quiet Hours

🔢 Daily Limit

🧠 Deduplication