Personal Finance AI Infrastructure: A Secure and Decentralized Approach for Personalized AI Financial Reasoning

Abstract: The effectiveness of modern Artificial Intelligence (AI) in personal finance is severely limited by the fragmentation and inaccessibility of an individual's complete financial footprint. Current AI tools can only answer general questions because they lack secure, structured access to real-time, personalized data scattered across multiple platforms (banks, mutual funds, stocks). This paper proposes the design and implementation of a Personal Finance AI Infrastructure leveraging a Decentralized Ledger (Blockchain) model to solve this challenge. The infrastructure creates a single, immutable, and verifiable record of an individual's financial history. By employing cryptographic hashing (SHA-256) and user-controlled smart contracts, the system guarantees privacy, promotes user control, and provides the necessary structured, secure data access required for meaningful, personalized AI financial reasoning, thereby overcoming the limitations of current centralized systems.

Keywords: Blockchain, Decentralized Ledger Technology (DLT), Personal Finance, AI Infrastructure, Data Security, Smart Contracts.