Investing and portfolio

• A full lot-tracked cost-basis engine with FIFO lots, short positions, per-lot reallocation, and a read-only lot inspector. Editing or deleting a buy now re-plans the dependent sells instead of blocking you.
• Performance reporting with time-weighted and money-weighted returns (TWRR and MWRR), daily snapshots, and a chart with by-holding and by-account stacked views.
• Realized-gains and dividend reports, with hide-zero and group-by options.
• A securities master that gives each ticker one identity across all your accounts, so a holding owned in three accounts rolls up to a single row, plus a one-click ticker change for renamed symbols.
• One-step DRIP: record dividends or income received as shares without the old income-then-buy workaround.
• Net Worth Over Time and Balance Over Time charts with historical-FX valuation and crypto pricing back to 2014.

AI and the MCP server (v3.3)

• The MCP server now ships 109 HTTP tools and 93 stdio tools.
• Canonical portfolio write tools (buy, sell, swap, transfer, deposit, withdrawal, income and expense, FX conversion) run through the same lot-aware engine as the web app.
• New bank-ledger reconciliation and rule-application tools: get suggestions, materialize a bank row, accept or unlink a match, set account mode, and run Auto-pilot rules.
• Investment accounts are valued at market in the balance tools.
• Bookkeeping-only by design: Finlynq writes only to your own database and never connects to a bank or moves real money.

Import and reconciliation

• One unified money-in screen with a two-ledger bank model, bank balance anchors, a reconciliation summary panel, and the ability to hide accounts from the dropdown.
• Auto-pilot, Approve-each, and Manual lenses per account.
• Investment imports can map ticker, security name, and quantity columns, and investment reconciliation rules can turn a matched bank row into a real lot-aware portfolio op.
• An OFX and QFX confirm dialog, per-template sign flip, CSV mapping confirmation, and out-of-range amount rejection at preview.

Import by email

• Forward statements to a personal import address and Finlynq stages them automatically.
• Email rules with multi-condition matching (payee, body, amount) and a configurable retention window for raw emails.

Multi-currency

• Reporting amounts are stored at the historical date rate per transaction, and flow reports sum the stored amounts.
• One display currency as the single source of truth, dollar-family symbols (C$, A$, and friends), and a USD default.
• Crypto is priced in USD with a Yahoo historical tier beyond CoinGecko's 365-day window, and precious metals are priced from Yahoo futures.
• Currency dropdowns are scoped to the currencies you actually use, with type-to-lookup to add more.

Security and OAuth

• OAuth token revocation (RFC 7009) and a Connected Apps screen to manage grants.
• Unverified-app and external-redirect warnings on the consent screen, auto-expiry of inactive clients after 60 days, and unspecified-scope logging.
• A published /.well-known/security.txt (RFC 9116), the X-Powered-By header removed, and import numeric-bounds hardening.
• In-app change password and change email: a non-destructive key re-wrap that keeps your existing sessions valid.

Loans, admin, and the website

• Loans and debt v2 with payment-driven or term-driven schedules, six payment frequencies, lease residual value, and account-linked balances.
• A sortable admin users table with last-active tracking, an OAuth grants panel, cross-user email oversight, a market-data rate-cache inspector, and an outbound API log.
• New comparison pages, a glossary, JSON-LD structured data, and llms.txt for AI crawlers.

Mobile

• Finlynq is now live on both the App Store and Google Play, built from a single React Native codebase with the same encryption as the web app.