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USE CASES · PERSONAL FINANCE APPS

Give a savings goal
a concrete next step.

In a personal finance app, a personal AI agent works from the goal, the balance and the bills already scheduled, then proposes a rule the user reviews and confirms inside your own product.

For banking apps: connect the user’s intention to your existing savings tools, with a rule they can review and confirm.

TODAY

Balance. Bills. Calculator. Transfer form.

WITH SHARDR

One reviewed rule, attached to her goal.

AB
Amina, 31

Saving for next August. €80 on payday. Scheduled bills stay accounted for.

IN YOUR EMBEDDED CHATBOX
“Can I afford the trip in August?”

WHAT THEIR AGENT PREPARESA payday savings rule for Amina’s trip goal, using available funds after scheduled bills. She reviews the proposed rule before confirming.

Try it. Watch the result appear in the app.

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Read the full conversation 6 turns

AMINACan I afford the trip in August?

AGENTYour trip goal is €1,200, with €680 saved. This month’s balance leaves €130 after your scheduled bills.

AMINAI’d like to put €80 aside on payday.

AGENTI can prepare a savings rule for your trip goal, using available funds after the bills you’ve set aside.

AMINAYes, leave the rent money alone.

AGENTHere’s the rule for you to review and confirm.

FOLIOYOUR EXISTING APP

Your trip

August goal · Savings overview

SavingsYour ruleActivity
Give the goal
a next step.Create the rule after reviewing the suggestion.
GOAL
Trip next AugustYour target · €1,200
SAVED
€680 already set asideIn your trip savings goal
YOUR PAYDAY RULE
€80, for August.

Set aside on payday from available funds after scheduled bills.

€680 saved€1,200 target
Your scheduled billsStay accounted for.

Scroll inside the app to explore the full result

WHY THE NEXT VISIT IS DIFFERENT

“Can we revisit the August plan?”

Her agent remembers the trip and the instruction about bills. It checks current account data through your banking functions before revisiting the plan.

WHAT YOUR
COMPANY GETS

The explanation leads straight to a banking action the user can review.

04 / 05 · FINANCEExplore travel
THE SHORT ANSWER

AI agents in a finance app, in plain terms.

How does an AI agent work inside a personal finance app?

The agent reads the goal and the funds available after scheduled bills, then proposes a concrete rule — an amount set aside on payday, for example. The user reviews and confirms it before anything is created, and your app performs the action.

Does the agent move money on its own?

No. It prepares a rule or a suggestion and the user confirms it in your app. Every action stays one your product already offers, behind your own permissions and confirmation steps.

How do we stop the agent overspending on model calls?

Your team sets a spend cap per end user and an overall monthly cap per environment, and chooses what happens at the limit: refuse new requests, or fall back to a cheaper model.

BUILT FOR YOUR PRODUCT. BRANDED AS YOURS.

Your product.
Their next “that’s perfect.”

The industry changes. The opportunity is a conversation that ends inside your app.