iOS Expense Tracker with Bank Sync

I need a native iOS app that pulls a user’s bank transactions automatically through a third-party aggregation service (think Plaid, TrueLayer, or a similar provider). Once the data is in, the app should sort each transaction into categories and give the user simple budgeting tools—alerts when they overspend, progress bars against targets, and a clean monthly summary.

Core expectations
• Swift-based iOS build that runs smoothly on the latest iPhone and iPad OS versions.
• Secure OAuth or token flow to connect to the chosen third-party bank API, store credentials safely in Keychain, and refresh data in the background.
• Fast, accurate expense categorization out of the box (rule engine or ML model—your call, as long as it’s extensible).
• A budgeting module where users set spending limits per category and see real-time status.
• Lightweight dashboard with charts and a filterable transaction list.
• Clean, commented code plus brief setup docs so I can compile the project locally.

Acceptance criteria
1. A TestFlight build that connects to at least one live bank sandbox and imports recent transactions.
2. Transactions display in no more than one second after download and land in correct categories 90 % of the time.
3. Budgets update immediately when a new transaction arrives.
4. All sensitive data is encrypted at rest and in transit, with no hard-coded keys.

If you’ve already worked with Plaid, Yodlee, or similar SDKs on iOS, let me know—that experience will be a big plus.