Spending insights

Your wallet history already knows where your money goes; insights exist to make that knowledge readable. As they roll out, you will find budgets, categories, and clearly labelled AI-assisted summaries that turn a long list of entries into sentences a person can act on.

What insights do

• Group your spending into categories so patterns become visible.
• Let you set budgets and see how the month is tracking against them.
• Summarise your own activity in plain language, with AI-assisted text clearly labelled as such.

The hard line: insights can never move money

Insights are read-only by design. They look at your history and describe it; they hold no power to send, approve, schedule, or change anything. Sensitive money actions still require your approval, tied to the action, using your wallet PIN or supported device security — no summary, suggestion, or automation inside insights can cross that line. If anything ever claims to be an insight that pays, it is not Kit Pay.

Reading AI-assisted summaries wisely

AI-assisted text is labelled so you always know what you are reading. Treat it as a helpful first draft of understanding: good at noticing patterns, not a substitute for your own judgement about what matters this month. The underlying truth is always your history — every summary is downstream of those ledger entries, and you can check any claim against them.

Insights and your privacy

Insights are about your own spending, shown to you. They are not a feed, not visible to contacts, and not a place where your habits are published. For the wider picture of how your data is handled, the privacy policy is the authoritative source.

While you wait for the rollout — or alongside it — the habits in budgeting with irregular income work with nothing but your history and ten quiet minutes.