fin-infra

Financial data infrastructure for fintech apps.

Overview

Banking, investments, market data, credit scores, and financial calculations in one toolkit.

Key Features

Banking - Plaid/Teller integration, accounts, transactions
Investments - Holdings, portfolio data, real P/L with cost basis
Market Data - Stocks, crypto, forex quotes and history
Credit - Credit scores and monitoring
Analytics - Cash flow, savings rate, spending insights
Cashflows - NPV, IRR, loan amortization calculations

Why fin-infra?

Building a fintech app means integrating Plaid, pulling market data, calculating portfolio returns, categorizing transactions... and doing it all securely.

fin-infra gives you production-ready financial infrastructure:

from fin_infra.banking import easy_banking
from fin_infra.markets import easy_market

# Connect to banks via Plaid
banking = easy_banking()
accounts = await banking.get_accounts(access_token)
transactions = await banking.get_transactions(account_id)

# Get market data
market = easy_market()
quote = market.quote("AAPL")

Quick Install

pip install fin-infra

What's Included

Feature	What You Get	One-liner
Banking	Plaid/Teller integration, accounts, transactions	`easy_banking()`
Investments	Holdings, portfolio data, real P/L with cost basis	`easy_investments()`
Market Data	Stocks, crypto, forex quotes and history	`easy_market()`
Credit	Credit scores and monitoring	`easy_credit()`
Analytics	Cash flow, savings rate, spending insights	Built-in
Budgets	Multi-type budget tracking with templates	Scaffold included
Goals	Financial goal tracking with milestones	Scaffold included
Cashflows	NPV, IRR, loan amortization calculations	`npv()`, `irr()`

30-Second Examples

Connect Bank Accounts

from fin_infra.banking import easy_banking

banking = easy_banking(provider="plaid")

# Get linked accounts
accounts = await banking.get_accounts(access_token)
for acc in accounts:
    print(f"{acc.name}: ${acc.balance}")

# Get transactions
transactions = await banking.get_transactions(account_id)

Portfolio Holdings with Real P/L

from fin_infra.investments import easy_investments

investments = easy_investments(provider="plaid")

# Get holdings with cost basis
holdings = await investments.get_holdings(access_token)
for h in holdings:
    print(f"{h.symbol}: {h.quantity} shares, P/L: ${h.unrealized_gain}")

# Asset allocation
allocation = await investments.get_allocation(access_token)
print(allocation)  # {"stocks": 60, "bonds": 30, "cash": 10}

Real-Time Market Data

from fin_infra.markets import easy_market, easy_crypto

# Stock quotes
market = easy_market()
quote = market.quote("AAPL")
print(f"AAPL: ${quote.price} ({quote.change_percent}%)")

# Crypto
crypto = easy_crypto()
btc = crypto.ticker("BTC/USDT")
print(f"BTC: ${btc.price}")

Credit Scores

from fin_infra.credit import easy_credit

credit = easy_credit()
score = await credit.get_credit_score(user_id)
print(f"Credit Score: {score.value} ({score.rating})")

Financial Calculations

from fin_infra.cashflows import npv, irr, loan_payment

# Net Present Value
cashflows = [-100000, 30000, 30000, 30000, 30000]
value = npv(rate=0.08, cashflows=cashflows)
print(f"NPV: ${value:,.2f}")

# Internal Rate of Return
rate = irr(cashflows)
print(f"IRR: {rate:.2%}")

# Loan payments
monthly = loan_payment(principal=250000, rate=0.065, years=30)
print(f"Monthly payment: ${monthly:,.2f}")

FastAPI Integration

Use with svc-infra for a complete backend:

from fastapi import FastAPI
from svc_infra.api.fastapi.ease import easy_service_app
from fin_infra.banking import add_banking
from fin_infra.investments import add_investments
from fin_infra.markets import add_market_data

# Create app with svc-infra (auth, database, etc.)
app = easy_service_app(name="FinanceAPI", release="1.0.0")

# Add financial capabilities
add_banking(app, provider="plaid")
add_investments(app, provider="plaid")
add_market_data(app, provider="alphavantage")

# Automatic endpoints:
# GET  /banking/accounts
# GET  /banking/transactions
# GET  /investments/holdings
# GET  /investments/allocation
# GET  /market/quote/{symbol}

Supported Providers

Category	Providers
Banking	Plaid, Teller
Investments	Plaid
Market Data	Alpha Vantage, Yahoo Finance
Crypto	CoinGecko, Binance
Credit	Experian

Scaffold Models

Generate production-ready models for your app:

# Generate budget models
fin-infra scaffold budgets --dest-dir app/models/ --include-tenant

# Generate goal tracking
fin-infra scaffold goals --dest-dir app/models/

# Generate net worth snapshots
fin-infra scaffold net-worth --dest-dir app/models/

What you get:

SQLAlchemy models with proper indexes
Pydantic schemas (Create, Read, Update)
Repository pattern with async CRUD
Type hints throughout

Wire CRUD in one call:

from svc_infra.api.fastapi.db.sql import add_sql_resources, SqlResource
from app.models.budgets import Budget

add_sql_resources(app, [
    SqlResource(
        model=Budget,
        prefix="/budgets",
        search_fields=["name", "description"],
    )
])
# Creates: POST, GET, PATCH, DELETE /budgets/*

Configuration

# Banking (Plaid)
PLAID_CLIENT_ID=your_client_id
PLAID_SECRET=your_secret
PLAID_ENV=sandbox  # or development, production

# Market Data
ALPHAVANTAGE_API_KEY=your_api_key

# Credit (Experian)
EXPERIAN_CLIENT_ID=your_client_id
EXPERIAN_CLIENT_SECRET=your_secret

Documentation

Module	Description
Data Integration
Banking	Account aggregation, transactions
Investments	Holdings, portfolio, P/L
Market Data	Stocks, crypto, forex
Credit	Credit scores and reports
Analytics
Analytics	Cash flow, savings rate, insights
Net Worth	Net worth tracking
Cashflows	NPV, IRR, loan calculations
Features
Budgets	Budget management
Goals	Financial goal tracking
Insights	AI-powered insights
Categorization	Transaction categorization
Infrastructure
Persistence	Scaffold workflow
API Guide	Building fintech APIs
Compliance	GLBA, FCRA, PCI-DSS

Architecture

fin-infra is the financial data layer. Use with svc-infra for backend infrastructure:

Your App
    |
    +-- fin-infra (financial data)
    |       Banking, investments, market data, credit
    |
    +-- svc-infra (backend infrastructure)
            Auth, database, API framework, jobs, billing

This separation keeps financial logic clean and portable.

Running Examples

git clone https://github.com/nfraxlab/fin-infra.git
cd fin-infra
poetry install

# Market data (no auth needed)
poetry run python -c "
from fin_infra.markets import easy_market
market = easy_market()
print(market.quote('AAPL'))
"

# Run all tests
poetry run pytest -q

Related Packages

fin-infra is part of the nfrax infrastructure suite:

Package	Purpose
fin-infra	Financial infrastructure (banking, portfolio, insights)
svc-infra	Backend infrastructure (auth, billing, jobs, webhooks)
ai-infra	AI/LLM infrastructure (agents, tools, RAG, MCP)

License

MIT License - use it for anything.

Built by nfraxlab

Star us on GitHub | View on PyPI

Metadata

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