Intelligence

The Financial Cortex

The 'Moneymaker' Philosophy. While Connect and Core are commodities, Intelligence transforms raw data into high-margin utility.

PostgreSQL

React

Read Documentation

The "Moneymaker" Philosophy

Data is a commodity. Intelligence is the asset.

Most platforms stop at displaying a balance. Intelligence is architected to answer the three questions that actually drive financial behaviour. It turns passive data storage into an active, thinking partner for your users.

"What happened?" (The Enrichment Engine)

Raw bank descriptions are cryptic garbage. Intelligence resolves them into global entities with 99.9% accuracy.

Entity Resolution: Matches against 10M+ global merchants.

Asset Enrichment: Returns clean names, high-res logos, and social handles.

Subscription Detection: Instantly identifies recurring SaaS and media payments.

"Am I okay?" (The Health Score)

A credit score for *real* wealth. We calculate a standardised 0-1000 score measuring resilience, not just debt.

Solvency: Assets vs. Liabilities in real-time.

Liquidity: "Days of Runway" calculation.

Discipline: Savings rate consistency analysis.

"What should I do?" (The Nudge Factory)

Turn passive data into active revenue. Intelligence scans for Arbitrage Opportunities every second.

Idle Cash: "You have £5k earning 0%. Move to Savings?"

Fee Killer: "You paid £40 in FX fees. Switch cards?"

Sub Zombie: "You haven't used Netflix in 3 months. Cancel?"

The Two-Speed Architecture

Human cognition has two speeds. So does FintraOS.

We built a Bi-Modal Intelligence System that handles both millisecond-latency reaction times and deep, long-horizon strategic planning.

Stream Processor (Real-Time)

Reacts in Milliseconds. Designed for immediate context and safety. As a transaction swipes, the Stream Processor fires.

Real-Time Categorisation: BERT-based contextual classification.

Threshold Alerts: "Stop! You just hit your dining budget."

Fraud Guard: Pattern anomaly detection before settlement.

Batch Engine (Deep Analysis)

Thinks in Minutes. Designed for forecasting and pattern recognition. It runs nightly to model the user's financial future.

Cashflow Forecasting: Bayesian Structural Time Series modelling.

Churn Prediction: Detects behavioural shifts indicating a user is leaving.

Inflation Proofing: Adjusts goals daily based on real-time CPI data.

Developer Superpowers

Built for engineers who need to ship "Smart" features yesterday.

The Simulator (Monte Carlo)

The "What-If" Engine for Wealth. Allow your users to overlay life events on their financial curve. "What if I buy this house?" "What if I lose my job?" Intelligence runs 10,000 simulations to give a probabilistic answer: "85% chance of survival."

Custom Metric Registry

Extensibility is our core value. Don't just use our metrics. Define your own. Tenants can push custom logic (SQL/Code) to create new derived attributes like user.metrics.coffee_weekend_avg.

Actionable AI Skills

Move beyond chat. Register Actionable Skills that the Fintra AI Agent can invoke.

User: "Save £50."

Intelligence: Identifies Intent -> Checks Balance -> Triggers Transfer Webhook.

Ready to integrate The Financial Cortex?

Get full access to the The Financial Cortex SDK and start building the future of finance today.

View Full Specs