Every rate we show is read, not written — and signed before it reaches you.

Business-card shoppers abandon comparison tools the moment they have to cross-check an APR against a disclosure PDF by hand. This concierge separates the two jobs the LLM was doing badly: it classifies what you asked, and a deterministic engine does everything downstream — matching, math, and a SHA-256 signature over the exact figures displayed.

27 mo.

Payoff term for $5,000 @ $200/mo — computed to the cent

Rates authored by the model, ever

01 Your inputs

Self-reported credit tier

Ask a question

Processing trail

Ask a question to see the pipeline execute stage by stage — guardrail, extraction, graph pruning, math, verification.

Cryptographic audit

Every turn is SHA-256 signed over the exact strings shown to the user.

Decimal-only math engine

Amortization runs on decimal.Decimal with ROUND_HALF_EVEN at cent precision — no floating-point drift, no closed-form estimate.

◈

Graph-based eligibility

Credit-tier matching is a floor comparison over a card-eligibility graph, not a keyword match — a Good-tier applicant sees every card they qualify for, nothing they don't.

Verifiable audit trail

Each response is hashed and stored with its signing payload, so a compliance reviewer can recompute and confirm the signature independently of this UI.