Buy or Wait?
SourceA hybrid AI financial agent that decides whether a user can safely afford a purchase.
Hybrid AI architecture
A strict separation between language understanding and financial reasoning: LLMs extract facts from unstructured evidence, while deterministic systems handle reconciliation, cash-flow simulation, safety validation, and final decision ranking.
Evidence reconciliation
A deterministic reconciliation layer resolves conflicting financial evidence across transactions, messages, and images. LLM output is treated as untrusted evidence and reconciled under explicit rules for amendments, cancellations, newer evidence, and settled transactions.
90-day simulation & decision planning
A cash-flow simulator projects recurring income and expenses while holding the user's minimum required balance, computing the maximum safe payment and the earliest safe purchase date. Candidate strategies — full payment, installments, waiting, spending adjustments — are generated, validated, and ranked deterministically.
- Python
- Gemini 3.6 Flash
- Groq
- Pandas
- LLM extraction
- Deterministic simulation
The LLM interprets the financial evidence. Deterministic systems establish financial reality and make the decision.
A deterministic resolution layer applies explicit precedence rules across amendments, cancellations, newer evidence, and settled transactions to construct canonical ground truth.
- Unstructured evidence
- LLM fact extraction
- Evidence reconciliation
- Canonical financial state
- 90-day simulation
- Safety validation
- Payment plan
- Final decision
- Status accuracy
- 68 → 88%
- Payment method
- 72 → 92%
- Earliest date
- 21 / 25
Measured on the project’s evaluation sample during development.
