Daily Pay

A modern banking dashboard built with Next.js 14. Connect bank accounts via Plaid, track transactions, and transfer funds with Dwolla — backed by Appwrite for auth and data storage.

Architecture

Browser (Next.js App Router)
    ├── Appwrite — authentication, user/bank/transaction/audit documents
    ├── Plaid — bank linking, balances, transaction sync + webhooks
    └── Dwolla — ACH transfers between funding sources

Prerequisites

• Node.js 20+
• Appwrite project with Auth (email/password + optional Google OAuth)
• Plaid sandbox credentials
• Dwolla sandbox credentials

Setup

cp .env.example .env.local
npm install
npm run dev

Appwrite collections

Create indexes on:

• Transactions: senderBankId, receiverBankId, senderId, receiverId
• Banks: shareableId, bankId (Plaid item ID), userId

Banks — add fields: transactionsCursor (string), needsRelink (boolean)

Transactions — optional: dwollaTransferUrl (string)

Audit (optional) — userId, action, metadata

Scripts

Command	Description
npm run dev	Start development server
npm run build	Production build
npm run lint	ESLint
npm run typecheck	TypeScript check
npm run test	Vitest unit tests
npm run test:e2e	Playwright E2E tests
npm run format	Prettier format

Plaid webhooks

Register https://your-domain.com/api/plaid/webhook in the Plaid Dashboard for:

• TRANSACTIONS / SYNC_UPDATES_AVAILABLE
• ITEM / ERROR, PENDING_EXPIRATION

Deployment (Vercel)

Set all variables from .env.example. Required for build:

• All APPWRITE_*, PLAID_*, DWOLLA_* variables
• Optional: ENCRYPTION_KEY (32+ chars) to encrypt bank tokens at rest
• Optional: APPWRITE_AUDIT_COLLECTION_ID for audit logging

Use separate Appwrite/Plaid/Dwolla projects for staging vs production.

Security

• Route protection via middleware.ts
• Server actions verify bank ownership before reads/writes
• Transfers go through initiateTransfer server action only
• API routes rate-limited (in-memory; use Redis in production)
• Sandbox SSN defaults gated behind DWOLLA_ENV=sandbox

Health check

GET /api/health returns { status: "ok" }