Six AI features
AI Insight
On your BankiPay dashboard
LLM-powered insight card. Uses your active provider. Change anytime — no vendor lock-in.
Real-time readProvider tagTone (info/warn/success)
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Unified Chat
10 model providers
Chat with any connected LLM. Costs deducted from your token wallet. Flagship / fast / budget picker.
10 providersModel pickerToken-metered
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AI Approvals
Assist, don't replace
AI-assisted approval flows for spend, transfers, and account changes. You stay in control.
Spend capsVendor listsTime-of-day rules
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Anomalies
Catch what you miss
LLM-powered anomaly detection on your transaction stream. Surfaces duplicates, weird vendors, and amount outliers.
Duplicate detectionVendor anomaliesAmount outliers
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Token Wallet
Prepaid LLM balance
Topup from BankiPay. 1 USD = 200 tokens. Proxied calls deduct in real time. See lifetime spent.
Topup from Pay200 tokens / $1Real-time deduction
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10 LLM Providers
OpenAI · Anthropic · MiniMax · +7
Bring any provider key. Swap active model anytime. Encrypted at rest with AES-256-GCM.
AES-256-GCM at restSwap activeQuota refresh
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