They happen when we're tired, anxious, dreaming big, or under pressure. The problem is that most of today's financial products only alert you after the money has already left your account.
CAPI was born to change this. Our vision stems from a reality we've lived firsthand: money is never just a number. It dictates our opportunities and, very often, the sacrifices we have to make.
"Our purpose is to be with you when it matters most:
before the decision."
We believe that true financial control isn't built on judgment or guilt, but on space and clarity. CAPI is an artificial intelligence designed to help you slow down, understand your emotional state, and reflect before you act.
We guide, we don't decide
CAPI doesn't give you a ready-made answer or tell you what to do. It asks the right questions so you can find the best path yourself.
Ethics and Privacy
We are not a bank, and we do not sell your data to anyone. Your conversation is a safe space.
Support, not substitution
Under no circumstances does CAPI replace the advice of a financial or mental health professional. We are a behavioral support tool.
The Current Solution
Currently, CAPI operates as a support system focused on active interaction and intentional tracking.
Pre-Decision Intervention
Chat with CAPI the moment you feel about to make a decision. We help you recognize stress or impulse, understand your true context, and apply behavioral science to create space for a conscious choice.
Goal Tracking
The system translates goals into small, actionable steps and validates daily choices.
Purpose-Driven Control
Dynamically calculates a safe-to-spend limit, ensuring goals are respected.
Invitations to Reflect
To build financial awareness, the system reaches out lightly and strategically throughout the day, inviting you to reflect on recent transactions without any tone of judgment.
Pre-Decision Intervention
Chat with CAPI the moment you feel about to make a decision. We help you recognize stress or impulse, understand your true context, and apply behavioral science to create space for a conscious choice.
Goal Tracking
The system translates goals into small, actionable steps and validates daily choices.
Purpose-Driven Control
Dynamically calculates a safe-to-spend limit, ensuring goals are respected.
Invitations to Reflect
To build financial awareness, the system reaches out lightly and strategically throughout the day, inviting you to reflect on recent transactions without any tone of judgment.
Our Roadmap
We know where we want to go, and our long-term vision involves even smarter tools.
CAPI on Mobile
We are building native iOS and Android apps to make CAPI even more accessible and integrated into your daily life.
Open Finance Integration
Automatic synchronization of transactions and passive triggers based on your banking behavior, allowing interventions the exact moment your statement changes.
Contextual Education Trail
Instead of long courses, practical content 'pills' sent exactly when you need them, based on your behavioral patterns to focus on real harm reduction.
Advanced Behavioral Features
Deeper impulse mitigation like 'Emotional Decision Simulators' and 'Adaptive Delay' suggestions based on reading emotional vulnerability in real-time.
Our Origin & Thesis
Where we come from
CAPI was born from the real experiences of our team. We come from backgrounds where money was never just a number. We grew up seeing financial decisions being made under emotional pressure, fear, and insecurity, and how this frequently forced people to give up on dreams and opportunities.
At the same time, we saw firsthand how small changes in support and emotional clarity could transform entire trajectories. As builders and developers, we are driven by problems we've lived through and that still remain invisible to many of the current solutions.
Our thesis
Our thesis is based on the principle that most financial mistakes don't happen just because of a lack of information, but because decisions are made during moments of high emotional load. Anxiety, fatigue, fear, and impulsivity distort judgment even before the choice is made, and current financial products only step in after the damage has already been done.
We are building CAPI as an artificial intelligence that supports people before, during, and after financial decisions, with a special focus on the pre-decisional moment. It doesn't tell the person "what they did wrong"; instead, it creates space for more conscious decisions when that is still possible.
In the long run, we believe that consistent decisions over time say more about financial health than a punitive credit history. CAPI acts as emotional and behavioral support today, but points to a future where financial guidance can be much more human, continuous, and fair.
Ready to make better decisions?
Start with how you're feeling. The finances come after.