Stop guessing which card to use. Get instant answers.
VYAI automatically organizes your bank messages so you always know which card gives the best rewards.
No waiting for "expert" consultations. No handing over your Gmail password. VYAI's AI gives you instant, offline answers directly on your phone.
Debited Rs.450.00 from A/c XX1234 on 22-06-26 to ZOMATO. UPI Ref 12345678
Spent Rs. 1200 on Credit Card XX4455 at AMAZON. Avail Bal...
Maximize Your Cashback & Rewards
VYAI tracks reward currency conversion rates and suggests the best card for every payment.
Stop Leaving Big Money on the Table
Check the advisor right before you checkout. See how much cash you lose by using the wrong card on big purchases:
SBI Cashback
5% Cashback ₹50.00HDFC Millennia
5% points ₹45.50ICICI Amazon Pay
3% Reward points ₹25.00Experience the Parser in Action
Watch how VYAI processes transaction SMS on-device and generates grounded responses immediately.
Welcome to VYAI
Initializing your money picture...
Income & Spend Detection
An SMS arrives on your phone (e.g. from HDFC or GPay). VYAI registers the transaction immediately.
Smart, Offline Sorting
Transactions are processed locally on your device. We extract category, merchant, and tax data instantly, keeping everything safe.
Instant Answers
Ask questions in plain English or Hinglish (e.g., "How much did I spend on dining?"). Get immediate, accurate insights based entirely on your local records.
The Financial Readiness Score
Not a credit score. A proprietary, behavior-based signal built to show how consistent your habits are and how to improve.
Simulate Your Habits
Drag the sliders below to see how your financial behaviors impact your score in real-time.
Habit Analysis
Your bill discipline is good, but increasing your monthly investment rhythm will significantly lift your Readiness Score.
Core Capabilities
VYAI is a production-grade personal financial ecosystem built with privacy by construction.
Know Exactly Where Your Money Goes
We organize your expenses automatically. No spreadsheets or manual entry required.
Automatic Bill Reminders
Dues and EMIs are spotted from your SMS and sorted by urgency, so you never miss a payment.
Bank-Grade Security on Your Phone
Your data never leaves your device. Everything is processed locally for total privacy.
Get the Most from Your Cards
Real-time calculations tell you exactly which card to use to maximize your cashback and rewards.
Frequently Asked Questions
Everything you need to know about the privacy, score, and mechanics of the VYAI application.
No. VYAI automatically reads the bank and UPI SMS you already receive on your device and structures them into a ledger for you. There is no manual entry required.
No. Your financial data is securely isolated to your account alone. We enforce strict database-level separation so your ledger is never combined or visible to other users.
Yes. Raw messages are parsed and analyzed entirely on your device. Your local database is encrypted using SQLCipher. By running models locally using Google LiteRT, we eliminate the need to send your private financial logs to any cloud server.
No. The AI model runs entirely offline inside your device's secure memory using Google LiteRT. Because your private data never leaves your phone, it is physically impossible for it to be stored, intercepted, or used for training cloud models.
Yes. You can disable the local AI assistant with a single toggle in the settings. Since the model executes 100% offline on-device, you have full control over when the assistant is active.
No. It is not a credit bureau score or rating. It is a separate, behavior-based signal built entirely from what you choose to share, designed to help you analyze and improve your money habits.
We support major Indian banks (including HDFC, ICICI, SBI, Axis, Kotak, Yes, IDFC, Bank of Baroda), plus UPI platforms, mobile wallets, and major credit card issuers.
VYAI is currently completely free to use during our private beta testing phase. We will share pricing details as we get closer to our public release.
For iOS users, we will soon be integrating with the secure RBI Account Aggregator framework. We do NOT require you to forward email statements.
Simple, Transparent Pricing
Choose the plan that fits your financial goals.
Starter
- ✅ Auto SMS Parsing
- ✅ Basic Ledger
- ✅ 30-day History
Pro
- ✅ Unlimited History
- ✅ AI Financial QA
- ✅ Best Card Advisor
Wealth
- ✅ All Pro Features
- ✅ Family Account Sync
- ✅ Priority Support
Take control of your money — in minutes.
Sign in with your phone, grant SMS access, and watch your financial picture appear. Request an invite to the private beta testing program today.