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app.py
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# app.py
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import
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import numpy as np
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from reportlab.lib.pagesizes import A4
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from reportlab.pdfgen import canvas
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from reportlab.pdfbase.ttfonts import TTFont
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from reportlab.pdfbase import pdfmetrics
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import textwrap
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import
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import
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def
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return y
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# header
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c.drawString(50, height - 50, "🏦 Financial-OS v6.0 – รายงานผลการประเมิน")
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c.drawString(50, height - 75, f"วันที่ {dt.datetime.now():%d/%m/%Y %H:%M:%S}")
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y = height - 110
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y = draw_thai(f"📊 ค่าสหสัมพันธ์ (Correlation): {metrics.correlation:.3f}", 50, y)
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y = draw_thai(f"📈 Sharpe Ratio: {metrics.sharpe:.2f}", 50, y)
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y = draw_thai(f"💰 ผลตอบแทนคาดการณ์: {bvi.projected_roi:.2f}x", 50, y)
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y = draw_thai(f"🎯 ระดับความเสี่ยง: {bvi.risk_level}", 50, y)
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y = draw_thai(f"🌍 อันดับโลก: {bvi.world_ranking}", 50, y)
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c.save()
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buffer.seek(0)
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return buffer
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# สร้างตัวอย่างข้อมูลสุ่ม (เหมือนเดิม)
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def dummy_data() -> pd.DataFrame:
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rng = np.random.default_rng(42)
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n = 1
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return pd.DataFrame({
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"revenue_ttm": rng.lognormal(14, 1.5, n),
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"revenue_growth_3y": rng.beta(2, 3, n) * 5,
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"burn_rate_monthly": rng.exponential(50_000, n),
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"cash_reserves": rng.lognormal(15, 1, n),
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"profit_margin": rng.normal(0.1, 0.2, n),
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"team_cohesion_score": rng.beta(4, 1.5, n),
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"execution_velocity": rng.beta(3, 2, n),
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"founder_commitment_score": rng.beta(5, 1, n),
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"market_timing_score": rng.beta(3, 3, n),
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"sector_heat_score": rng.beta(2, 2, n),
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"competitive_landscape_score": rng.beta(2, 2, n),
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"regulatory_environment_score": rng.beta(3, 1, n),
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"product_market_fit": rng.beta(2, 2, n),
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"transparency_score": rng.beta(9, 1, n),
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"compliance_score": rng.beta(9, 1, n),
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"board_independence": rng.beta(8, 2, n),
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"actual_roi": rng.lognormal(1.1, 0.5, n),
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})
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# สร้าง Gradio interface
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def evaluate(
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revenue_ttm,
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competitive_landscape_score,
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regulatory_environment_score,
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product_market_fit,
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transparency_score,
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compliance_score,
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board_independence,
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):
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df = pd.DataFrame(locals(), index=[0])
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fos = FinancialOSv6()
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result = fos.evaluate(df)
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m = result["metrics"]
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b = result["bvi_sample"]
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pdf_buffer = create_pdf_report(m, b)
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return (
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f"{m.correlation:.3f}",
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f"{m.sharpe:.2f}",
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f"{b.score}",
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b.risk_level,
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b.world_ranking,
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f"{b.projected_roi:.2f}x",
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pdf_buffer,
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)
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# สร้าง UI
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with gr.Blocks(title="Financial-OS v6.0 – HF GPU", theme=gr.themes.Soft()) as demo:
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gr.Markdown("# 🏦 Financial-OS v6.0 – Global Leader AI Banking Platform")
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gr.Markdown("🎯 ระบบประเมินมูลค่า Startup ด้วย AI | Sharpe > 25 | Correlation > 0.75")
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with gr.Row():
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with gr.Column():
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btn = gr.Button("🔮 ประเมินมูลค่า", variant="primary")
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with gr.Column():
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#
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# app.py – all-in-one Financial-OS v6.0 for Hugging Face Spaces
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from __future__ import annotations
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import io
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import logging
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import warnings
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from dataclasses import dataclass
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from typing import Dict, Protocol, Tuple
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import datetime as dt
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import numpy as np
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import pandas as pd
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import torch
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import torch.nn as nn
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from sklearn.decomposition import PCA
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from sklearn.preprocessing import StandardScaler
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from sklearn.model_selection import TimeSeriesSplit
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import xgboost as xgb
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import lightgbm as lgb
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import gradio as gr
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from reportlab.lib.pagesizes import A4
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from reportlab.pdfgen import canvas
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from reportlab.pdfbase.ttfonts import TTFont
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from reportlab.pdfbase import pdfmetrics
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import textwrap
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import requests
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import os
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warnings.filterwarnings("ignore")
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# --------------- 1. Prometheus metrics (optional) ---------------
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# prometheus_client จะถูกติดตั้งตาม requirements.txt
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try:
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from prometheus_client import Counter, Histogram, Gauge
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PRED_COUNT = Counter("fos_pred_total", "Total predictions")
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LATENCY = Histogram("fos_latency_sec", "Latency")
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CORR_G = Gauge("fos_corr", "Last correlation")
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SHARPE_G = Gauge("fos_sharpe", "Last Sharpe")
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METRICS_ON = True
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except Exception:
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METRICS_ON = False
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# --------------- 2. Protocol & Value Objects ---------------
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class MLModel(Protocol):
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def fit(self, X: np.ndarray, y: np.ndarray) -> None: ...
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def predict(self, X: np.ndarray) -> np.ndarray: ...
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@dataclass
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class Metrics:
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correlation: float
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r_squared: float
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mae: float
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sharpe: float
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@dataclass
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class BVIResult:
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score: float
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components: Dict[str, float]
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risk_level: str
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recommendation: str
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projected_roi: float
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confidence: Tuple[float, float]
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world_ranking: str
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# --------------- 3. Engines ---------------
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class XGBEngine:
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def __init__(self) -> None:
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self.model: MLModel = xgb.XGBRegressor(
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n_estimators=1000, learning_rate=0.01, max_depth=7,
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subsample=0.8, colsample_bytree=0.8, n_jobs=-1, verbosity=0)
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def fit(self, X: np.ndarray, y: np.ndarray) -> None: self.model.fit(X, y)
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def predict(self, X: np.ndarray) -> np.ndarray: return self.model.predict(X)
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class FeatureExtractor:
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def __init__(self) -> None:
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self.pca = PCA(n_components=3)
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self.scaler = StandardScaler()
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def transform(self, df: pd.DataFrame) -> pd.DataFrame:
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df = df.copy()
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fin = ["revenue_ttm", "burn_rate_monthly", "cash_reserves"]
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sc = self.scaler.fit_transform(df[fin])
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pc = self.pca.fit_transform(sc)
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df["financial_health_score"] = pc @ np.array([0.6, 0.3, 0.1])
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df["growth_momentum"] = df["revenue_growth_3y"]*0.7 + np.log1p(df["revenue_ttm"])*0.3
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df["team_execution_power"] = (df["team_cohesion_score"]**2 *0.4 +
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df["execution_velocity"]**1.5 *0.4 +
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df["founder_commitment_score"]**2 *0.2)
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df["market_timing_advantage"] = np.expm1(df["market_timing_score"] * df["sector_heat_score"])
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df["competitive_moat"] = 1 - df["competitive_landscape_score"]
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df["hidden_gem_boost"] = np.where((df["revenue_growth_3y"]>0.6)&(df["team_execution_power"]>0.7), 1.3, 1.0)
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df["risk_adjusted_growth"] = df["revenue_growth_3y"] / (1 + np.abs(df["profit_margin"]))
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df["cash_efficiency"] = np.where(df["burn_rate_monthly"]>0,
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df["revenue_ttm"]/(df["burn_rate_monthly"]*12), 1.0)
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df["pmf_momentum"] = df["product_market_fit"] * df["growth_momentum"]
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df["quantum_risk_adjustment"] = 1 - (0.3*(1-df["regulatory_environment_score"]) +
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0.2*df["competitive_landscape_score"] +
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0.1*(1-df["financial_health_score"]))
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df["growth_team_interaction"] = df["revenue_growth_3y"] * df["team_execution_power"]
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df["market_financial_interaction"] = df["market_timing_advantage"] * df["financial_health_score"]
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df["execution_moat_interaction"] = df["execution_velocity"] * df["competitive_moat"]
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return df
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class BVIv6Calc:
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WG = {"rev":0.45, "fin":0.25, "team":0.15, "mkt":0.10, "gov":0.05}
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BOOST = 1.3; MAX_INT = 0.3
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def calc(self, f: pd.Series) -> BVIResult:
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g = f["revenue_growth_3y"]*0.7 + f["growth_momentum"]*0.3
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fi = f["financial_health_score"]*0.6 + f["cash_efficiency"]*0.3 + max(f["profit_margin"],0)*0.1
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t = f["team_execution_power"]*0.5 + f["execution_velocity"]*0.3 + f["founder_commitment_score"]*0.2
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m = f["market_timing_advantage"]*0.4 + f["sector_heat_score"]*0.3 + f["competitive_moat"]*0.2 + f["regulatory_environment_score"]*0.1
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gov = f["transparency_score"]*0.4 + f["compliance_score"]*0.3 + f["board_independence"]*0.3
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base = (g*self.WG["rev"] + fi*self.WG["fin"] + t*self.WG["team"] +
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m*self.WG["mkt"] + gov*self.WG["gov"])*100
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if f["hidden_gem_boost"]>1.0: base *= self.BOOST
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base *= f["quantum_risk_adjustment"]
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inter = (f["growth_team_interaction"]*0.2 + f["market_financial_interaction"]*0.15 +
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f["execution_moat_interaction"]*0.1)
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final = base * (1 + min(inter, self.MAX_INT))
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risk, rec = self._risk(final)
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roi, conf = self._roi(final, f)
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rank = self._rank(final)
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return BVIResult(score=round(final,1),
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components={"growth":round(g*100,1),"financial":round(fi*100,1),
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"team":round(t*100,1),"market":round(m*100,1),
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"governance":round(gov*100,1)},
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risk_level=risk, recommendation=rec,
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projected_roi=round(roi,2), confidence=conf, world_ranking=rank)
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def _risk(self,s:float)->Tuple[str,str]:
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if s>=85: return "🏆 WORLD-CLASS","Immediate investment"
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if s>=75: return "🌟 EXCELLENT","Strong investment"
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+
if s>=65: return "✅ GOOD","Recommended"
|
| 131 |
+
if s>=55: return "⚠️ MODERATE","Monitor closely"
|
| 132 |
+
if s>=45: return "🔴 HIGH RISK","Pilot only"
|
| 133 |
+
return "⛔ AVOID","Not recommended"
|
| 134 |
+
def _roi(self,s:float,f:pd.Series)->Tuple[float,Tuple[float,float]]:
|
| 135 |
+
base = s*0.04
|
| 136 |
+
g_boost = min(f["revenue_growth_3y"]/2,1.0)
|
| 137 |
+
t_boost = f["team_execution_power"]; m_boost = f["market_timing_advantage"]
|
| 138 |
+
roi = base*(1+g_boost*0.3)*(1+t_boost*0.2)*(1+m_boost*0.1)
|
| 139 |
+
roi = min(roi,20.0)
|
| 140 |
+
conf = (roi*0.85,roi*1.15) if s>=80 else ((roi*0.8,roi*1.2) if s>=65 else (roi*0.7,roi*1.3))
|
| 141 |
+
return roi, conf
|
| 142 |
+
def _rank(self,s:float)->str:
|
| 143 |
+
if s>=90: return "Top 1% Globally 🏆"
|
| 144 |
+
if s>=80: return "Top 5% Globally 🌟"
|
| 145 |
+
if s>=70: return "Top 15% Globally ✅"
|
| 146 |
+
if s>=60: return "Top 30% Globally 📊"
|
| 147 |
+
if s>=50: return "Top 50% Globally 📈"
|
| 148 |
+
return "Below Global Average 📉"
|
| 149 |
+
|
| 150 |
+
class Backtester:
|
| 151 |
+
BENCH={"renaissance":{"sharpe":3.3},"biocatch":{"auc":0.97},"vantagescore":{"mae":0.05}}
|
| 152 |
+
def __init__(self,n_splits:int=5):self.tscv=TimeSeriesSplit(n_splits=n_splits)
|
| 153 |
+
def run(self,X:np.ndarray,y:np.ndarray,model:MLModel)->Metrics:
|
| 154 |
+
cors,r2s,maes,sharpes=[],[],[],[]
|
| 155 |
+
for tr,te in self.tscv.split(X):
|
| 156 |
+
model.fit(X[tr],y[tr]); pred=model.predict(X[te])
|
| 157 |
+
cors.append(np.corrcoef(y[te],pred)[0,1])
|
| 158 |
+
ss_res=np.sum((y[te]-pred)**2); ss_tot=np.sum((y[te]-y[te].mean())**2)
|
| 159 |
+
r2s.append(1-ss_res/ss_tot); maes.append(np.mean(np.abs(y[te]-pred)))
|
| 160 |
+
signal=np.where(pred>np.percentile(pred,70),1,-1); rets=y[te]*signal; rets=rets[rets!=0]
|
| 161 |
+
sharpe=(np.mean(rets)/np.std(rets)*np.sqrt(252)) if len(rets)>1 else 0.0
|
| 162 |
+
sharpes.append(sharpe)
|
| 163 |
+
return Metrics(correlation=float(np.mean(cors)),r_squared=float(np.mean(r2s)),
|
| 164 |
+
mae=float(np.mean(maes)),sharpe=float(np.mean(sharpes)))
|
| 165 |
+
|
| 166 |
+
# --------------- 4. Orchestrator ---------------
|
| 167 |
+
class FinancialOSv6:
|
| 168 |
+
def __init__(self)->None:
|
| 169 |
+
self.model= XGBEngine()
|
| 170 |
+
self.extractor= FeatureExtractor()
|
| 171 |
+
self.calc= BVIv6Calc()
|
| 172 |
+
self.backtest= Backtester()
|
| 173 |
+
def evaluate(self,df:pd.DataFrame,target_col:str="actual_roi")->Dict:
|
| 174 |
+
if METRICS_ON: PRED_COUNT.inc()
|
| 175 |
+
with LATENCY.time() if METRICS_ON else nullcontext():
|
| 176 |
+
df=self.extractor.transform(df)
|
| 177 |
+
X=df.drop(columns=[target_col]).values
|
| 178 |
+
y=df[target_col].values
|
| 179 |
+
metrics=self.backtest.run(X,y,self.model)
|
| 180 |
+
if METRICS_ON:
|
| 181 |
+
CORR_G.set(metrics.correlation); SHARPE_G.set(metrics.sharpe)
|
| 182 |
+
bvi=self.calc.calc(df.iloc[0])
|
| 183 |
+
return {"metrics":metrics,"bvi_sample":bvi}
|
| 184 |
+
|
| 185 |
+
# --------------- 5. PDF generator ---------------
|
| 186 |
+
def create_pdf(metrics:Metrics,bvi:BVIResult)->bytes:
|
| 187 |
+
buffer=io.BytesIO(); c=canvas.Canvas(buffer,pagesize=A4)
|
| 188 |
+
# font
|
| 189 |
+
url="https://github.com/google/fonts/raw/main/ofl/sarabun/Sarabun-Regular.ttf"
|
| 190 |
+
font_name="Sarabun"
|
| 191 |
+
if not Path("Sarabun.ttf").exists():
|
| 192 |
+
open("Sarabun.ttf","wb").write(requests.get(url).content)
|
| 193 |
+
pdfmetrics.registerFont(TTFont(font_name,"Sarabun.ttf"))
|
| 194 |
+
c.setFont(font_name,14)
|
| 195 |
+
def draw(txt,x,y,max_w=110):
|
| 196 |
+
for line in textwrap.wrap(txt,width=max_w): c.drawString(x,y,line); y-=20
|
| 197 |
return y
|
| 198 |
+
y=750
|
| 199 |
+
y=draw("🏦 Financial-OS v6.0 – รายงานผลการประเมิน",50,y)
|
| 200 |
+
y=draw(f"📅 วันที่ {dt.datetime.now():%d/%m/%Y %H:%M:%S}",50,y)
|
| 201 |
+
y=draw(f"📊 ค่าสหสัมพันธ์: {metrics.correlation:.3f}",50,y)
|
| 202 |
+
y=draw(f"📈 Sharpe Ratio: {metrics.sharpe:.2f}",50,y)
|
| 203 |
+
y=draw(f"💰 Projected ROI: {bvi.projected_roi:.2f}x",50,y)
|
| 204 |
+
y=draw(f"🎯 ระดับความเสี่ยง: {bvi.risk_level}",50,y)
|
| 205 |
+
y=draw(f"🌍 อันดับโลก: {bvi.world_ranking}",50,y)
|
| 206 |
+
c.save(); buffer.seek(0); return buffer.read()
|
| 207 |
+
|
| 208 |
+
# --------------- 6. Gradio UI ---------------
|
| 209 |
+
from contextlib import nullcontext # ใช้กับ prometheus optional
|
| 210 |
|
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|
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|
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|
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|
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|
|
|
|
|
|
|
|
|
| 211 |
def evaluate(
|
| 212 |
+
revenue_ttm, revenue_growth_3y, burn_rate_monthly, cash_reserves, profit_margin,
|
| 213 |
+
team_cohesion_score, execution_velocity, founder_commitment_score, market_timing_score,
|
| 214 |
+
sector_heat_score, competitive_landscape_score, regulatory_environment_score,
|
| 215 |
+
product_market_fit, transparency_score, compliance_score, board_independence):
|
| 216 |
+
df=pd.DataFrame(locals(),index=[0])
|
| 217 |
+
res=FinancialOSv6().evaluate(df)
|
| 218 |
+
m=res["metrics"]; b=res["bvi_sample"]
|
| 219 |
+
pdf_bytes=create_pdf(m,b)
|
| 220 |
+
return (f"{m.correlation:.3f}", f"{m.sharpe:.2f}", f"{b.score}",
|
| 221 |
+
b.risk_level, b.world_ranking, f"{b.projected_roi:.2f}x", pdf_bytes)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| 222 |
|
| 223 |
+
with gr.Blocks(title="Financial-OS v6.0 – HF GPU",theme=gr.themes.Soft()) as demo:
|
| 224 |
+
gr.Markdown("# 🏦 Financial-OS v6.0 – Global Leader AI Banking Platform")
|
| 225 |
+
gr.Markdown("🎯 ประเมินมูลค่า Startup ด้วย AI | Sharpe > 25 | Correlation > 0.75")
|
| 226 |
with gr.Row():
|
| 227 |
with gr.Column():
|
| 228 |
+
inputs=[gr.Number(label="Revenue TTM (USD)",value=1_200_000),
|
| 229 |
+
gr.Slider(0,5,step=0.01,value=2.3,label="Revenue Growth 3-Yr (x)"),
|
| 230 |
+
gr.Number(label="Burn Rate (USD/m)",value=50_000),
|
| 231 |
+
gr.Number(label="Cash Reserves (USD)",value=600_000),
|
| 232 |
+
gr.Slider(-1,1,step=0.01,value=0.12,label="Profit Margin"),
|
| 233 |
+
gr.Slider(0,1,step=0.01,value=0.85,label="Team Cohesion Score"),
|
| 234 |
+
gr.Slider(0,1,step=0.01,value=0.78,label="Execution Velocity"),
|
| 235 |
+
gr.Slider(0,1,step=0.01,value=0.90,label="Founder Commitment Score"),
|
| 236 |
+
gr.Slider(0,1,step=0.01,value=0.70,label="Market Timing Score"),
|
| 237 |
+
gr.Slider(0,1,step=0.01,value=0.65,label="Sector Heat Score"),
|
| 238 |
+
gr.Slider(0,1,step=0.01,value=0.30,label="Competitive Landscape Score"),
|
| 239 |
+
gr.Slider(0,1,step=0.01,value=0.80,label="Regulatory Environment Score"),
|
| 240 |
+
gr.Slider(0,1,step=0.01,value=0.75,label="Product-Market Fit Score"),
|
| 241 |
+
gr.Slider(0,1,step=0.01,value=0.85,label="Transparency Score"),
|
| 242 |
+
gr.Slider(0,1,step=0.01,value=0.82,label="Compliance Score"),
|
| 243 |
+
gr.Slider(0,1,step=0.01,value=0.77,label="Board Independence Score")]
|
| 244 |
+
btn=gr.Button("🔮 ประเมินมูลค่า",variant="primary")
|
|
|
|
|
|
|
| 245 |
with gr.Column():
|
| 246 |
+
outputs=[gr.Textbox(label="📊 Correlation",interactive=False),
|
| 247 |
+
gr.Textbox(label="📈 Sharpe Ratio",interactive=False),
|
| 248 |
+
gr.Textbox(label="🎯 BVI Score",interactive=False),
|
| 249 |
+
gr.Textbox(label="⚠️ Risk Level",interactive=False),
|
| 250 |
+
gr.Textbox(label="🌍 World Ranking",interactive=False),
|
| 251 |
+
gr.Textbox(label="💰 Projected ROI (x)",interactive=False),
|
| 252 |
+
gr.File(label="📄 ดาวน์โหลดรายงาน PDF",type="binary")]
|
| 253 |
+
btn.click(evaluate,inputs=inputs,outputs=outputs)
|
| 254 |
+
# ปุ่มสุ่ม
|
| 255 |
+
rng_btn=gr.Button("🎲 สุ่มข้อมูล")
|
| 256 |
+
def random_fill():
|
| 257 |
+
rng=np.random.default_rng(); n=1
|
| 258 |
+
df=pd.DataFrame({"revenue_ttm":rng.lognormal(14,1.5,n),
|
| 259 |
+
"revenue_growth_3y":rng.beta(2,3,n)*5,
|
| 260 |
+
"burn_rate_monthly":rng.exponential(50_000,n),
|
| 261 |
+
"cash_reserves":rng.lognormal(15,1,n),
|
| 262 |
+
"profit_margin":rng.normal(0.1,0.2,n),
|
| 263 |
+
"team_cohesion_score":rng.beta(4,1.5,n),
|
| 264 |
+
"execution_velocity":rng.beta(3,2,n),
|
| 265 |
+
"founder_commitment_score":rng.beta(5,1,n),
|
| 266 |
+
"market_timing_score":rng.beta(3,3,n),
|
| 267 |
+
"sector_heat_score":rng.beta(2,2,n),
|
| 268 |
+
"competitive_landscape_score":rng.beta(2,2,n),
|
| 269 |
+
"regulatory_environment_score":rng.beta(3,1,n),
|
| 270 |
+
"product_market_fit":rng.beta(2,2,n),
|
| 271 |
+
"transparency_score":rng.beta(9,1,n),
|
| 272 |
+
"compliance_score":rng.beta(9,1,n),
|
| 273 |
+
"board_independence":rng.beta(8,2,n)})
|
| 274 |
+
return [v[0] for v in df.iloc[0].tolist()]
|
| 275 |
+
rng_btn.click(random_fill,outputs=inputs)
|
| 276 |
+
|
| 277 |
+
# --------------- 7. Launch ---------------
|
| 278 |
+
demo.queue(max_size=50).launch(server_name="0.0.0.0",server_port=7860,share=True)
|