Institutional-Grade Financial Intelligence, Built for Complete Fiduciary Trust.
Most financial apps operate as ad brokers—scraping personal bank statements, selling transaction telemetry to marketing brokers, and using generic classifiers that fail on basic merchant data. Fiduciary Agent is the privacy-preserving, autonomous financial copilot engineered for UK high-earners, family offices, and fintech enterprises.
Comprehensive Business Capabilities
Everything available out-of-the-box, engineered from first principles for UK regulations and personal wealth protection.
Zero-Downtime Open Banking
Continuous multi-account synchronization across Revolut, Lloyds, NatWest, and Wise. Features an autonomous 401 token refresh interceptor that exchanges expired credentials in-flight, eliminating annoying user re-connection prompts.
AI Transaction Enrichment Engine
Transforms messy 40-character bank narratives into clean corporate merchant names, official website domains, brand logos, and 3-level granular taxonomy (L1/L2/L3). Also infers payment rails and UK HMRC tax deductibility.
Pending vs Settled Reconciliation
Tracks the complete lifecycle of card authorizations. Incoming settled transactions are automatically matched against pending holds by account ID, amount, and date proximity, eliminating double-counted balances and phantom expenses.
Autonomous Financial Watchdog
Active contract monitoring with strict zero-hallucination rules: requires confirmed 90-day repeat cadence (weekly, monthly, annual) or explicit Direct Debit mandates. Flags stealth price hikes (>5%) and forecasts 30-day liquidity shortfalls.
UK Tax Optimization & 60% Trap Shield
Detects the punitive UK 60% effective income tax trap between £100,000 and £125,140 caused by Personal Allowance clawback. Calculates exact pension salary sacrifice and SIPP contributions to restore tax allowances and maximize take-home wealth.
Credit Affordability & Bureau Profiling
Open Banking underwriting engine: evaluates debt-to-income (DTI) ratios, disposable income buffers, and committed recurring outgoings without credit agency hard searches. Tracks Experian, Equifax, and TransUnion records.
Air-Gapped Privacy & Security Contract
100% localized execution on Apple Silicon Metal GPU / local hardware. Automated PII anonymization masks account numbers and personal identifiers prior to inference. OWASP security headers and prompt injection defenses prevent jailbreak manipulation.
Observability & LLM Judge Auditing
Enterprise observability with distributed trace correlation (X-Request-ID),
circuit-breaker failover from cloud models to local Ollama/LM Studio, and an autonomous LLM Judge that scores financial advice for grounding and accuracy.
Open Financial B2B APIs
Direct REST API endpoints (/api/v1/enrich/transaction and /api/v1/enrich/batch)
that allow any third-party fintech, accounting app, or lending platform to enrich raw transactions with sub-millisecond latency.
The Transaction Enrichment Advantage
Why traditional banks and legacy aggregators (Plaid, TrueLayer, Tink) fall short—and why our 3-tier cascade represents a quantum leap in financial data quality.
Why Banks Withhold Categorization
Open Banking regulations (PSD2/CMA Order) only mandate raw ledger entries (dates, amounts, and raw narratives). Banks deliberately hoard categorization models to protect their retail apps, leaving raw data messy and unstandardized.
The Aggregator Mark-Up Trap
Aggregators sell basic enrichment as an expensive enterprise add-on (5p to 10p+ per transaction). For an enterprise syncing millions of transactions, third-party enrichment fees become a massive recurring expense.
Semantic Contextual Intelligence
Legacy enrichers use dumb regexes that confuse £2.99 iCloud software with a £1,499 MacBook, or trip over POS prefixes like SUMUP *.
Our engine reasons about amount, timing, payment rails, and HMRC tax deductibility.
3-Tier Cascade Performance
UK utilities, councils, supermarkets, SaaS
Instant cache lookups for recurring counterparties
Unseen long-tail merchants & entity resolution
*85–90% of recurring transactions resolve in Tier 1 or 1b, yielding an average batch latency under 0.1ms per transaction at near-zero operating cost.
FinOps & Commercial ROI Comparison
Comparing traditional financial data brokers against Fiduciary Agent.
| Capability Dimension | Legacy Data Broker (Plaid / Yodlee / Bud) | Fiduciary Agent Platform |
|---|---|---|
| Transaction Enrichment Cost | 5p – 10p+ per transaction or £1+/user/mo | £0.00 marginal cost (Self-hosted / Local) |
| Data Privacy & Monetization | Data ingested to multi-tenant cloud; often anonymized & resold | 100% Air-Gapped Local; zero data egress or resale |
| Categorization Granularity | Flat 10-15 generic buckets (Food, Shopping, Bills) | 3-Level Taxonomy (L1/L2/L3) + Payment Rail |
| Contextual Semantic Reasoning | Static keyword matching; treats all Apple transactions the same | Amount-aware (Software Sub vs Hardware Purchase) |
| HMRC Tax Classification | None (Manual annual accountant review required) | Automated Sole-Trader & Business Expense Flagging |
| Connection Resilience | Frequent 401 token dropouts; user re-auth required | Autonomous in-flight 401 refresh interceptor |
Interactive Transaction Enrichment Playground
Test the live enrichment engine directly. Click any sample transaction or type your own raw bank narrative to see instant entity resolution.
Merchant Name
Merchant TypeB2B Integration Quickstart
Any authorized application can consume the enrichment pipeline directly via standard JSON REST endpoints:
# Enrich a single transaction
curl -X POST http://localhost:8080/api/v1/enrich/transaction \
-H "Content-Type: application/json" \
-d '{"raw_narrative": "Welcome Brentford", "amount": -31.46}'
# Batch enrichment (up to 100 transactions in parallel)
curl -X POST http://localhost:8080/api/v1/enrich/batch \
-H "Content-Type: application/json" \
-d '{"transactions": [
{"raw_narrative": "SWITCH2 ENERGY LTD", "amount": -42.35},
{"raw_narrative": "APPLE.COM/BILL", "amount": -2.99}
]}'