BillSentry

BillSentry is a mobile + web AI-assisted digital banking companion that prevents overdrafts and late fees by forecasting cash flow at the account level. Users connect bank accounts via open-banking, then BillSentry detects recurring bills, paydays, subscriptions, and typical spending patterns. It simulates the next 30 days daily balance and flags “danger days” when a bill will likely bounce. The app suggests concrete actions: move money between accounts, schedule a transfer, pause a subscription, or negotiate a due-date change (where supported). It also offers a “safe-to-spend” number that updates in real time after pending transactions. This isn’t a new bank; it’s a layer that works with existing banks and credit unions. The product lives or dies on accuracy and trust, so it starts narrow: overdraft prevention and bill timing, not generic budgeting.