AI can help. It does not take over.
Niqdah AI Chat can explain a plan and suggest next steps. It does not become the source of financial truth, read your bank account, or write data without a reviewed app action.
Context in. Answer out. Reviewed action.
The Android app chooses the minimum context for the question, the Firebase backend authenticates the request and calls OpenAI, and the answer returns as guidance.
You ask a question. Niqdah may include summaries such as safe-to-spend, savings progress, due commitments, category pressure, or debt status.
The server-side OpenAI integration returns an explanation or suggestion. Answers can be incomplete or wrong.
You decide what to do. AI cannot silently create a transaction, contribution, repayment, reminder, or account edit.
If bank-like SMS text is pasted into AI Chat, Android keeps the raw text local and sends a parsed summary. The app’s import review flow is the right place to inspect and save evidence.
The safety boundary is visible.
Good AI UX shows the user where information came from, when an answer is uncertain, and what still requires human judgment.
Authentication
The app force-refreshes the signed-in Firebase ID token and calls the protected HTTPS function.
Anonymous public requests do not receive personal financial context.
Credentials
The OpenAI API key is stored in Firebase Secret Manager and never included in the Android APK.
A compromised client cannot extract the provider key from BuildConfig or app resources.
Model
The application runtime targets gpt-5.6 or the explicit gpt-5.6-sol equivalent after project availability is confirmed.
The website does not claim a model is live until deployment verification passes.
Advice
AI Chat provides general planning guidance based on app context.
It is not financial, legal, tax, or investment advice.