How Ginti works. From alert to insight.
Ginti is an AI-powered expense tracker that reads the bank alerts you already get on your phone and turns them into clean expense cards.
No bank login. No manual entry. No SMS permission.
On Android — fully automatic
Android exposes financial notifications through a well-defined API. Ginti listens to them in the background — the same way Wear OS or Do Not Disturb does — and parses them the moment they arrive.
1
Your bank or payment app sends a notification
GPay, Paytm, PhonePe, Chase, Amex, Capital One, Bank of America — any app you already trust to alert you about a charge.
2
Ginti's NotificationListenerService picks it up
No READ_SMS. No RECEIVE_SMS. No access to your messages at all — only the notifications you've already chosen to receive. Play Store compliant
3
A local NLP gateway filters out noise
OTPs, promotional offers, and spam messages are blocked on-device before anything else happens. Only genuine transaction text continues down the pipeline.
4
PII is stripped locally
Account numbers, card numbers, phone numbers, email addresses, and UPI IDs are masked client-side. The AI never sees personally identifiable data.
5
AI extracts amount, merchant, and category
A triple-fallback chain runs the parse: Groq Llama 3.1 8B for speed, with automatic fallback to Gemini Flash and Mistral Nemo (via OpenRouter) if the primary is cold or rate-limited. Typical round-trip: under 500ms.
6
You swipe to approve or dismiss
The parsed transaction appears as a card. Approve with a swipe, edit if needed, or dismiss. Your dashboard, budget, and analytics update instantly.
On iOS — smart clipboard
iOS does not let third-party apps read notifications or SMS (by design). Ginti uses a different mechanism: a smart clipboard watcher that detects financial text the moment you copy it.
1
You copy a bank alert or SMS
Tap-hold → Copy. Works with alerts from any bank or payment app.
2
Open Ginti
A toast appears: "Financial text detected." Tap it to parse, or ignore it to keep browsing. Nothing is read without your explicit action.
3
Same pipeline: NLP gate → PII strip → AI → review
From here the iOS flow is identical to Android. The same privacy filters apply; the same AI chain runs; the same swipeable review card appears.
What happens when you're offline
Transactions that arrive without an internet connection are persisted to a local queue. The moment connectivity returns, the queue drains automatically — your data is never lost, and you never have to remember to sync.
What Ginti does not do
- No bank login. Ginti never asks for — and never stores — your bank username, password, or session token.
- No SMS access on Android. We use a notification listener, which is a different permission tier than
READ_SMS / RECEIVE_SMS.
- No third-party aggregators. No Plaid, Finicity, Yodlee, or MX. Your data stays between your phone, Firebase, and the AI providers (which receive only sanitized text).
- No advertising IDs, no location, no contacts. None of it is collected. Ever.
- No data sold. Ginti's revenue is the subscription — that's the entire business model.
Architecture in one sentence
Bank alert → NLP gateway (on-device) → PII stripper (on-device) → AI parser (Groq → Gemini → Mistral) → swipeable review card → your encrypted Firestore account.
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