Control is a product feature.
Niqdah helps you understand the plan, inspect the evidence, and make the final decision. Every capability below is labelled by its real availability.
Available now
Grounded in current balances from accounts explicitly included in spendable cash.
AvailableSafe to spend
Current spendable cash minus protected unpaid obligations, savings, and debt commitments.
AvailableSavings and debt
Separate contribution and repayment histories preserve each financial event.
AvailableMultiple banks and accounts
Accounts keep bank, masked identity, purpose, balance confidence, and update provenance.
AvailableManual bank-message import
Paste a bank alert, inspect an editable draft, then decide whether to save it.
AvailableAutomated email import
The backend and Android setup flow are implemented; live provider/domain integration still requires deployment verification.
PreviewAutomatic SMS capture
Opt-in new-message capture using RECEIVE_SMS, excluded from the public build.
Private buildAI Chat
Firebase-authenticated guidance through a server-side OpenAI integration with reviewed actions.
Available“Available” means the capability exists in the app. It does not mean every bank format, device, or financial situation has been covered.