ReceiptLock

ReceiptLock is a mobile + web app (traditional + AI) that automatically detects Buy Now Pay Later obligations and upcoming installments by scanning email receipts, SMS alerts, and bank transactions (with user permission). It builds a single “true balance” timeline across providers and merchants, then warns users when a new BNPL plan would push them past a self-set risk limit (e.g., max monthly installments, max open plans, or paycheck-to-paycheck buffer). The AI component categorizes purchases, identifies hidden fees/late policies from receipt text, and flags suspicious duplicate plans or returns that didn’t actually reduce the balance. Users can set autopay reminders, create a payoff sprint plan, and export a clean report for budgeting apps. This isn’t a lender or a BNPL provider; it’s a visibility and control layer that reduces late fees and accidental overextension.