Changelog & Release History

All notable updates, new features, enhancements, and bug fixes for Finly are documented in reverse chronological order on this page.

Release v1.0.36 — October 11, 2026

Resilient Application Update Checker:
Added an unmetered GitHub web redirect fallback (HEAD https://github.com/louislefo/Finly/releases/latest) in the update checker to eliminate silent failures caused by GitHub REST API unauthenticated rate limits (HTTP 403).
Added authenticated header support when GITHUB_TOKEN is present in the environment for 5,000 requests/hour quota.
Configured automatic user update prompt modal on startup with dismissal state tracking in localStorage (finly_dismissed_update_version).
Standardized internationalization dictionary keys in the update dialog across French and English.

Release v1.0.26 — October 11, 2026

New Features

Interactive 2FA / Strong Customer Authentication (Issue #49):
Integrated interactive challenge state machine handling PSD2 two-factor authentication during bank synchronization.
Added support for SMS one-time password (OTP) submission and mobile push approval polling.
Implemented automatic module status checking (woob/modules/status) and background module update routines (woob/modules/update).
Added persistent regional bank selectors for cooperative institutions (Caisse d'Épargne, Crédit Agricole, Banque Populaire) stored in connection metadata.
Multi-Provider AI Financial Assistant:
Implemented a decoupled provider framework supporting local Ollama (qwen2.5:3b, mistral:7b, llama3.2) and private cloud models (OpenAI, Anthropic, Mistral AI, Groq, custom OpenAI-compatible endpoints).
Built an in-memory financial vector store and RAG context synthesizer that indexes accounts, budgets, loans, and recent transactions without cloud vector database persistence.
Added an optional local Ollama bundling selection in the Windows Inno Setup installer with clear hardware performance disclaimers.
Loans & Debt Amortization Tracking (Issue #43):
Implemented fixed-rate French annuity installment calculation ($$M = P \frac{r(1+r)^n}{(1+r)^n - 1}$$) with borrower insurance modeling.
Full amortization schedule generator from payment 1 to maturity $n$, displaying principal, interest, insurance, and remaining capital balance.
Early repayment simulator allowing users to model lump-sum prepayments with duration reduction versus monthly payment reduction, capped at the French legal IRA penalty threshold.
Dedicated "Emprunts & Dettes" tab integrated into the Wealth / Patrimoine view, synchronizing net worth ($$\text{Net Worth} = \text{Gross Assets} - \text{Total Liabilities}$$).
15-Month Historical Demo Dataset & Admin Maintenance:
Upgraded administrative demo seeder to generate 403 realistic transactions across 15 consecutive months (October 2025 through December 2026).
Seeded PEA investment holdings (Amundi MSCI World ETF, Air Liquide, LVMH, Schneider Electric) and a 20-year residential mortgage.
Automatic startup detection and upgrade for existing installations with sparse demo data ($< 50$ transactions).
Added POST /api/v1/admin/maintenance/seed-demo-data endpoint and 1-click re-seeding card in the Admin console.

Bug Fixes & Refinements

Fixed an issue where background bank synchronization would fail silently when banking sessions required user OTP interaction.
Fixed short-circuiting in demo data initialization that left returning administrator accounts without multi-month transaction histories.
Resolved type ambiguities in client-side loan early repayment simulation forms.

Release v1.0.25 — October 9, 2026

New Features

Stocks & Equities Hub:
Live quote tracking for French and international securities via Yahoo Finance API integration.
Real-time PRU (Weighted Average Purchase Price) calculation, capital gain tracking, and economic sector distribution charts.
Semantic asset search across Euronext Paris, Frankfurt, Amsterdam, and US exchanges.
Model Context Protocol (MCP) Server:
Built-in MCP JSON-RPC 2.0 server allowing LLM coding assistants (Claude Desktop, Cursor) to securely query financial metrics, account lists, transactions, and budgets.
Deterministic Categorization Rules Engine:
Custom user rules supporting contains, exact, and regex operators with amount threshold filters.
Merchant normalization engine that standardizes noisy bank statement strings into clean commercial brands.

Bug Fixes & Refinements

Pinned mcp dependency to <2.0.0 for runtime compatibility across development environments.
Corrected balance reconciliation logic when importing raw CSV statements with inverted debit/credit signs.

Release v1.0.24 — September 28, 2026

New Features

Envelope Budgeting & Cash Flow Analytics:
Monthly category spending envelopes with real-time consumption rates and threshold alerts.
Strict deposit account filtering that isolates consumable spending from savings deposits and investment transfers.
Interactive Sankey cash flow visualization tracing income from source to categories and net savings.
Direct Woob Banking Protocol Integration:
Native Python Woob driver executing scraping and banking API queries directly from the user's host machine over TLS.
AES-256 Fernet symmetric encryption for locally stored banking credentials.
Dark Mode OLED Design System & Privacy Blur:
High-contrast Zinc-950 (#09090B) OLED interface with semi-transparent borders (border-white/10).
Global client-side privacy blur mode (Alt + P) obscuring balances and figures during screen sharing or public viewing.

Release v1.0.0 — September 1, 2026

Initial Release

Initial release of Finly: local-first personal finance platform.
SQLite database persistence with Write-Ahead Logging (WAL).
Multi-account tracking across checking, savings, and investment accounts.
Excel (.xlsx) and JSON encrypted export/import.
Role-based access control with superuser bootstrapping.