AI Engine

Learns your spending habits and automates payment behavior.

The AI engine is the brain of Spendler. It continuously monitors:

• Spending behavior across cards, tokens, and subscriptions

• Location and merchant preferences

• Fixed cost schedules (e.g. rent, electricity, phone bills)

• RWA-linked signals like payment history or loyalty points

It uses this data to:

• Predict future expenses

• Recommend savings opportunities

• Choose optimal payment paths (token vs card, reward use, etc.)

The engine is personalized, private, and improves over time with user engagement.