Vestval AI
SMS Intelligence
Turning the transactional SMS stream every bank and merchant already sends into a clean, structured, real-time financial signal.
Overview
Banks, card networks, wallets and merchants send a constant stream of transactional SMS. It is the most honest record of money movement most people have — and the least usable. Vestval AI's SMS Intelligence parses that stream into structured, categorized, deduplicated transactions in real time.
Because it reads what actually happened rather than what an app predicts, SMS Intelligence is the foundation for every higher-order capability — spending pictures, borrowing estimates and subscription detection all sit on top of it.
What this covers
On-device parsing
Messages are parsed where they live, minimizing data that ever leaves the user's control.
Merchant normalization
Cryptic sender IDs and merchant strings are resolved into recognizable names and categories.
Deduplication
Bank, card and wallet messages about the same transaction are reconciled into one event.
Real-time classification
Debits, credits, fees, EMIs and reversals are classified the moment they arrive.
Multi-bank coverage
One parser handles dozens of institution formats across accounts and cards.
Privacy first
No selling, no third-party tracking, no surveillance economics.
How it works
- 1
Transactional messages are detected and isolated from personal messages.
- 2
Each message is parsed into amount, direction, merchant, account and timestamp.
- 3
Duplicate notifications across channels are reconciled into a single transaction.
- 4
The clean transaction feeds spending, credit and subscription intelligence.
Use cases
Everyday users
A user wants to know where money actually went this month without manual entry.
An accurate, categorized ledger built automatically.
Thin-file borrowers
Someone with limited credit history needs to demonstrate cash-flow reliability.
Real transactional evidence of income and repayment behavior.
FAQ
Frequently asked
- No. Only transactional financial messages are parsed; personal messages are ignored and never leave the device unnecessarily.
Related across the ecosystem