Direct BroadcastReceiver with BROADCAST_SMS Android OS security filter.
Captures Gmail & Outlook banking alerts and UPI push notifications.
Natural language AI input, manual quick entry, and biometric widgets.
Thread-safe sliding cache prevents double-logging across SMS + Email channels.
Extracts payee, last 4 digits, UPI slash patterns, ref numbers, and amounts.
Self-learning engine associates recurring payees with preferred categories.
Matches merchant spend category, milestone tiers, reward steps, and cycle caps.
Fuel surcharge waivers, annual fee waiver thresholds, and dispute drafting.
Tracks upcoming utility cycles, credit card bills, and SIP investments.
Instant visual render before network calls occur. 0ms perceived lag.
Encrypted local state. App functions completely without internet.
Queues offline mutations and flushes automatically on reconnect.
User-isolated, encrypted cloud synchronization across multiple devices.
Native Google Play Store billing plugin for Pro subscription verification.
Remote credit card catalog updates card policies without app updates.