The Open Financial Standard. Your data. Your file.

OFS is an open JSON specification for portable Naira financial data — budgets, goals, expenses, inflows, and aspirations. Export from Owo Planner, hand-edit in your text editor, re-import anywhere. We don't hold your data hostage. We made the lock-pick the standard.

Why this matters.

Every Nigerian money app — PiggyVest, Cowrywise, Risevest, Carbon, mypenny — holds your financial life inside a black box. You can look at your data through their app, but you can't move it. If they shut down, raise fees, or get acquired by a US fintech that doesn't care about Naija — your years of records become unreadable.

OFS fixes this. One open schema. Any tool that speaks OFS can read your budget. Build your own scripts. Move between apps. Audit your own data with your accountant. Even if Owo Planner stopped existing tomorrow, your OFS file would still open in any text editor.

The spec at a glance.

{
  "ofs_version": "1.0.0",
  "emitted_at": "2026-05-22T14:03:00+01:00",
  "emitted_by": "owoplanner.com",

  "profile": {
    "display_currency": "NGN",           // or "USD", "GBP", "CAD", "EUR"
    "locale":           "en-NG",
    "city":             "lagos_island",    // 12+ Nigerian cities supported
    "household_size":   2,
    "earning_type":     "salaried"          // salaried | freelance | hybrid | business
  },

  "period": { "month": "2026-05", "start": "2026-05-01", "end": "2026-05-31" },

  "inflows": [
    { "id": "in_01", "label": "Salary",    "amount": 450000, "currency": "NGN", "recurring": true },
    { "id": "in_02", "label": "UX freelance", "amount": 120000, "currency": "NGN", "recurring": false }
  ],

  "budget": {
    "rent":         { "planned": 120000, "actual": 120000 },
    "food":         { "planned":  80000, "actual":  74300 },
    "transport":    { "planned":  35000, "actual":  42100 },
    "data_airtime": { "planned":  12000, "actual":  12000 },
    "black_tax":    { "planned":  40000, "actual":  50000 }   // honest field
  },

  "goals": [
    { "id": "g_detty",  "template": "detty_december", "target": 500000, "saved": 185000, "deadline": "2026-12-01" },
    { "id": "g_japa",   "template": "japa_fund",      "target":   8000, "saved":   1840, "currency": "USD" },
    { "id": "g_rent",   "template": "rent_escape",    "target":1400000, "saved": 240000 }
  ],

  "health": {
    "score":        78,
    "rent_ratio":   0.213,
    "savings_rate": 0.18,
    "surplus":      38500
  },

  "signature": "sha256:b3f2a7..."             // optional content hash for integrity
}

What's in the spec.

Design principles.

1. Human-readable. Open it in TextEdit or VS Code. No proprietary binary format.

2. Currency-pluralist. Default Naira, first-class USD/GBP/CAD/EUR for diaspora. Goals can be in different currencies from the budget.

3. Forward-compatible. Unknown fields are preserved on round-trips. v1 readers won't break on v1.1 exports.

4. Naija-first. Field names like black_tax, owambe, data_airtime exist because Nigerian life requires them.

5. Audit-friendly. Drop the file into Excel, Python, R, or your accountant's inbox. Plain JSON.

Versions.

For builders.

If you build a Naija money tool, OFS gives your users a way out — and a way in. Read or write OFS in your app, and overnight you're interoperable with every other OFS tool. We'll never charge for the spec. We'll never gate the schema. The standard is the moat — for everyone, not us.

Reference implementation, JSON Schema validator, and migration tools coming with v1.1. Want to be involved? Email [email protected].