> For the complete documentation index, see [llms.txt](https://investec.gitbook.io/programmable-banking-community-wiki/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://investec.gitbook.io/programmable-banking-community-wiki/get-building/build-events/q3-2025-bounty-challenge-or-smart-and-secure-banking.md).
# Q3 2025 Bounty Challenge | Smart & Secure Banking
### \[UPDATED 01/10/25] This bounty challenge is now closed 👀.
{% hint style="info" %}
These builds are created with ❤️ by our community. They are open for use, contributions, and sharing. \
Please note these repos are **not officially supported by Investec**. **Exercise caution** when engaging with community-driven projects.
{% endhint %}
*(Leaderboard ranking in descending order)*
| Build Name | Coder | Description | Link to Repo | Track & Score |
| -------------------- | ----------------- | ------------------------------------------------------------------------------------------------ | :---------------------------------------------------------------------------: | :-----------: |
| **Zebra Finance** | David Mellors | A React Native app that auto-categorises spending and gives AI chat insights. | [GitHub Repository](https://github.com/davidrmellors/zebra-finance) | Track 1 |
| **Automate the App** | Peter Smythe | OCR + regex tool that auto-fills beneficiary details into the Investec Android app. | [GitHub Repository](https://github.com/petersmythe/investec-automate-the-app) | Track 1 |
| **InvestEase** | Nevin Tom | A web dashboard using Investec’s Sandbox API to view accounts, balances, transactions, and docs. | [GitHub Repository](https://github.com/Nevvyboi/InvestEase) | Track 1 |
| **Finance Tracker** | Londolani Ndou | An iOS app to set savings goals linked to loan accounts and track progress. | [GitHub Repository](https://github.com/Londolani/FinanceTracker) | Track 1 |
| **Ascendia** | Johannes Mogashoa | Early platform to track transactions with simple AI insights. | [GitHub Repository](https://github.com/JohannesMogashoa/ascendia) | Track 1 |
***
**📅 Duration:** 5 August – 30 September 2025\
**📍Submit here:** [Submission Form →](https://forms.office.com/r/CL3D9fJMaD)\
**💬 Join the chat:** [#bounties Slack Channel](https://investec-dev-com.slack.com/archives/C05MNBE2G3C)
***
### 🧠 What's the Challenge?
Pick your track - or build for both!
| Track | Description | Skill Level |
| ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------- | --------------------- |
| [**Track 1**](#track-1-banking-in-your-pocket)**: Banking in Your Pocket** | Build a mobile automation or app to simplify a banking task | Beginner-friendly |
| [**Track 2**](#track-2-card-shield-challenge)**:**** Card Shield Challenge** | Use the card API to detect or prevent fraud in clever ways | Intermediate–Advanced |
🎯 **Goal**: Use the Investec API and/or programmable card to make banking smarter, easier, or safer.
***
### 🛠️ Track 1: Banking in Your Pocket
Use tools like [Tasker](https://tasker.joaoapps.com/), [MacroDroid](https://www.macrodroid.com/), [Shortcuts (iOS)](https://apps.apple.com/us/app/shortcuts/id915249334), [FlutterFlow](https://www.flutterflow.io/), or even ChatGPT (*or your AI of choice*) to **create a tool that runs on your phone or device**.
#### 🧾 Example Ideas
* A home screen widget that shows your balance
* An automation that triggers a Slack or WhatsApp alert when you make a transaction
* An SMS/Email parser that logs expenses to Google Sheets
* A QR-based app to split group expenses after a restaurant meal
✅ No prior mobile dev experience needed — try something small and build it out!
***
### 🛡 Track 2: Card Shield Challenge
Use the **programmable card API** to create your own fraud protection logic.\
Inspired by [Russell’s real-life story](https://investec-dev-com.slack.com/archives/C05MQQE3FEY/p1754126764954009?thread_ts=1753791101.629249\&cid=C05MQQE3FEY), this track is all about **custom card rules**.
#### 🔐 Example Ideas
* Block all foreign transactions by default (based on country codes)
* Require dual approval before any transaction over R1,000
* Auto-disable card after 3 international charges in 5 minutes
* Use merchant codes to allow/disallow spending in certain categories (e.g. no gambling)
🔧 Need inspiration? Check out:
* [Peter’s Dual Auth Demo](https://github.com/petersmythe/invapi-dual-auth)
* [Programmable Card API Docs](/programmable-banking-community-wiki/get-started/card-quick-start-guide/how-to-use-the-cards-api.md)
***
### 📦 Submission Guidelines
| 🧾 Requirement | ✔️ What to Do |
| ------------------------- | ------------------------------------------------------------------------------------- |
| **Declare Participation** | Say “I’m in!” in [#bounties](https://investec-dev-com.slack.com/archives/C05MNBE2G3C) |
| **GitHub Repo** | Share your working code via a **public repo** |
| **README** | Include setup instructions and how your solution works |
| **License** | Must be **MIT Licensed** |
| **Demo (Optional)** | Screenshots, videos, or gifs are welcome! |
| **Knowledge File** | Add a `./knowledge` file with tips, gotchas or learnings (optional but awesome) |
***
### 🎁 Rewards
Everyone who submits a valid build will receive:
* 👕 **Exclusive Investec Dev Swag**
* 🚀 **Shoutout in the Community Newsletter**
* 🏆 **Top picks** featured on the [Community GitHub](https://github.com/Investec-Developer-Community/Community-Projects?tab=readme-ov-file#-bounty-submissions)
And of course - eternal community glory.
***
### 🙋 Need Help?
* Ask anything in [#bounties](https://investec-dev-com.slack.com/archives/C05MNBE2G3C)
* Pair up with another dev
* Chat with a **Community Champion** for guidance or reviews
***
### 🏁 How to Participate
1. Say `I’m in!` in [#bounties on Slack](https://investec-dev-com.slack.com/archives/C05MNBE2G3C)
2. Build something for either **Track 1** or **Track 2** (or both!)
3. Submit your project by **30 September 2025** via this form:\
👉 [Submit Your Build](https://forms.office.com/r/CL3D9fJMaD)
***
### ✨ Let’s Build Together
Whether you're building your first app, or your tenth programmable card rule, this challenge is for you.
Join us in making banking **smart, secure, and yours**.\
Let’s build something awesome this quarter. 🌱
---
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