May 2026Behavioral context

Personal Context Capsule

AI has a great memory. It still doesn't know how you live. Fintella fills that gap from your real behavior.

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Context Capsule updated today
Portrait

A Bay Area parent whose calendar runs on the school year. Travels often and far, snaps back into routine fast. Values convenience but keeps a stable Sunday ritual through everything. A side project quietly turned into a real business this spring.

Travel patternconfirmed
Hawaii twice, Japan, Istanbul, Seattle. Routine resumes within 48 hours of every return.
Weekly rhythmconfirmed
Sunday is a fixed anchor. Farmers market, then the same prepared food stop. 34 of 51 weeks, unbroken.
Side venturenew signal
A marketing tool and an ad platform appear in the same week in April. A hobby project became a real business.

Memory tools remember what you told your AI. Fintella adds what you actually did.

You spend the first minutes of every conversation catching it up. New project, kid started school, moved cities, side thing got real. Models have memory now, but they only remember the version of you that you bothered to type.

The version you typed and the version you live are different things. One is what you intend, frame, and edit. The other is what you actually did this week.

Fintella adds the second one. From day one, no months of memory to build up.

Recent work on AI alignment finds that models predict a person's choices more accurately from behavioral data than from written self-description. The principle generalizes. How someone describes themselves and how they actually decide are different inputs, and the second is usually more predictive. Ellis & Huang, Monash University, April 2026
arXiv 2603.29317
The source

Spending history reaches more of your life than any other passive log.

Calendars, browsers, location, wearables, AI memory each see one slice. Spending sits underneath them all and registers the moment any of those things became real enough to act on.

Areas of life a single passive log can reach
Calendar
Browser
Wearables
Location
Spending
food travel work health family housing mobility hobbies admin education
Spending touches all of them, in one stream.
It writes itself

No journaling, no tagging, no behavior change required. The minute you stop using a quantified self tool, it goes silent. Spending doesn't.

Ready from day one

A year of behavior is already there. No months of memory to build up. Your AI gets a real picture from the first conversation.

How Fintella works

Four small charges, one real signal.

A side project becoming a business. A move starting to happen. A new chapter beginning. Each shows up as a sequence before it becomes a sentence.

Phase detection · live example signal confirmed
Jan – Feb
A small recurring software charge. Then a second, in the same category. Then a third. Each under $100, none of them noteworthy on its own.
8 weeks in
Three tools in the same category, frequency increasing. No equivalent cluster exists in the prior ten months. Not a habit, a buildup.
Week 9
A legal filing fee. The kind associated with starting an entity, not maintaining one.
Week 10
An ad platform charge. Funded budget, not a trial. Operational scale.
Capsule entry
A side project crossed into operations this spring. The pattern was visible three weeks before any single charge would have made it obvious.
Your capsule

A capsule built from your real life.

Routines, transitions, family, work phase, what holds and what just shifted. Twelve months of behavior, structured so a model can use it in the first sentence.

Context Capsule example
Portrait

A Bay Area parent whose calendar runs on the school year. Travels often and far, snaps back into routine fast. Values convenience but keeps a stable Sunday ritual through everything. A side project quietly turned into a real business this spring.

Travel pattern 12 mo
Travel often, snap back fast
+

Frequent international travel, sometimes stacking countries in one run. Routine resumes within 24 to 48 hours of return. No extended recovery window.

Evidence Hawaii in April and again in November, Istanbul in May, Seattle in July. Each trip followed within 48 hours by a Safeway run and routine charges resuming.
What your AI sees Recovers from travel quickly. Don't pad trips with rest days.
Weekly rhythm 51 wk
Sunday market ritual
+

Sunday is a fixed anchor. A farmers market run followed by the same prepared food pickup. Held for 34 of 51 weeks, surviving travel windows and disruptions.

Evidence Same merchant pair on Sundays across 34 of 51 observed weeks. Pattern continues even on the day after international returns.
What your AI sees Sunday is structured, not free time. Don't suggest Sunday plans without checking.
School calendar school yr
School year is the frame, not a side note
+

School age child on a predictable annual calendar. Tuition drafts, uniform outfitting, club dues. Payments continued during international travel. The academic year structures everything else.

Evidence BASIS Independent tuition drafts in the first week of every month. Lands' End uniform bursts in mid August and early January. School charges held through every trip.
What your AI sees Plans need to fit the school calendar, not the other way around.
Decision style 12 mo
Short decision cycles, parallel experiments
+

Multiple options run side by side in the same category before one settles. Admin work clusters into single weeks instead of stretching out. Subscriptions that don't fit disappear within a billing cycle, not after long quiet periods.

Evidence Anthropic appearing alongside OpenAI rather than replacing it. Waymo tried in July with Uber still active. Subscriptions that do not stick disappear within one billing cycle.
What your AI sees Comfortable with parallel options. Recommend, don't survey. Cancels quickly if something doesn't fit.
Side venture new · 4 wk
A hobby project that became a real business
+

A year of low cost domains and Shopify tests. Then in April, a marketing tool and an ad platform with funded budget appear in the same week. The shape of an experiment crossing into real operations.

Evidence Semrush and Facebook Ads land within the same week in April. No equivalent cluster exists in the prior ten months.
What your AI sees Treat work questions as small business operator questions, not employee ones.
12 months · 2,525 events by Fintella

You see every signal first. Open any entry to read how it was found and what your AI would actually see. Toggle anything off before it leaves.

See your own capsule
In a real conversation

Less explaining. Better answers.

The answer changes when AI knows how you actually live.

ChatGPT ChatGPT
no capsule
Long weekend in Hawaii with the kids. Where should we go?

Hawaii is a great pick for families. A few options to consider:

Oahu has the most for kids, with Waikiki, the North Shore, and Pearl Harbor. Maui is more relaxed, good if you want beaches without crowds. Kauai is the quietest and most nature focused.

How old are the kids, and where are you flying from? That will help narrow it down.

3 follow up questions before any real answer
ChatGPT ChatGPT
+ Life Context
Long weekend in Hawaii with the kids. Where should we go?

You've already been to Oahu twice in the past year, so I'd skip it.

I would go to Kauai, north shore. Quieter than Oahu, easy with school age kids. Direct from SFO into Lihue, about a 40 minute drive to Hanalei. Good base options range from rentals in the bay to the 1 Hotel Hanalei Bay if you want a resort.

Four nights is enough given how fast you reset after trips. Fly out Friday evening so the kids stay on school rhythm. Want a day by day?

straight to a real answer
Under the hood

Your bank data never reaches your AI.

Fintella sits between your bank and your AI, doing the work that turns thousands of transactions into a clean behavioral picture.

01 · The bridge
From your bank to a clean signal
Connect Same flow as any budgeting app, through Plaid. Read only.
Process Proprietary behavioral models by Fintella Labs.
Send A compressed behavioral picture. No dollar amounts, no raw transactions.
02 · Your control
Your capsule, your choices
Connect Any AI you use. Toggle topics per model.
Switch Move from ChatGPT to Claude and the capsule comes with you.
Off One tap, the AI knows nothing about you next morning.
Connected AIs
active
ChatGPT
ChatGPT
Streaming capsule
Claude
Claude
Streaming capsule
Gemini
Gemini
Off
Two ways to use it

Try it free. Go live when you want it.

Snapshot is a static portrait you can use anywhere. Live is a stream that updates daily.

Snapshot Start here
A snapshot of your life.

Get your first capsule from 12 months of behavior. Use it anywhere you want.

Free first capsule
$7 to refresh next time.
Connect Fintella like any budgeting app
Setup in 60 seconds, free to start
Full capsule with portrait and signals
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Live
A direct stream of your life context.

Your capsule connects to your AI directly. Profile and life context update daily. No copy paste.

One AI
ChatGPT, Claude, or one of your choice
$14 /mo
Every AI you use
Connect all of them, tune the capsule per model
$29 /mo
Live context, updated daily
Phase detection, transition tracking
Per AI topic toggles, on/off in one tap
Go live
Common questions

The things people ask first.

No. There are no spending charts, categories, or financial advice. Bank history is the input because it's the densest passive record of how a person actually lives. The output has no money in it, only behavioral structure.
Memory remembers what you said. Fintella adds what you did. ChatGPT knows you mentioned a project once. Fintella sees that the project crossed into operations in April, because the spending pattern confirmed it before you said anything. The two work together. Memory is for stated context, the capsule is for behavioral context.
A statement is thousands of raw rows with every dollar amount and merchant. Even if the model could parse it, you don't want to dump all that into a chat. Fintella does the work and sends only the result.
A behavioral description: routines, transitions, decision style, family structure, work phase. No amounts, no merchant names, no transaction rows. You can read the exact text before any model sees it, and toggle anything off. The capsule shows you the named evidence behind every signal. The model receives only the generalized description.
Every signal has a confidence level based on how often a pattern repeats and over what window. Single events don't become signals. What appears in your capsule has cleared a threshold of repetition, usually months, and you review it before any AI sees it.
Calendar shows plans, including the cancelled ones. Location knows where you were, not why. Wearables know how you slept, not why something shifted in your week. Spending is the only single source that is passive, cross-domain, and dense enough to support phase detection on its own. Other sources can add resolution later. Spending is the spine.
Yes. Disconnect your bank or delete your capsule whenever you want. One tap. No retention games, no dark patterns. Your data is yours.
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Your AI already knows
everything you told it.
Give it the rest.

Connect your bank accounts, get your first capsule, plug it into your AI. About 60 seconds.

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