When an AI helps with your money, who keeps the receipts?
Breadly does. Every action your Financial Guide takes is sealed in a record that can't be edited or deleted. By anyone. Including us.
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How it works
Your Guide suggests
It explains what it would do and why, in plain English.
You decide
Nothing happens without your say so. Approve it or decline it.
A receipt is sealed
The suggestion and your decision are locked into a record that can't be quietly rewritten.
Helpful has limits. That's the point.
It can suggest
Your Guide reads the finances you share with it and points out ways to save, plan ahead and get out of debt faster.
It can't act without you
Suggestions wait for your decision. Nothing is done on your behalf until you approve it, and a declined suggestion stays declined.
It can never move your money
Breadly works with read-only access to your accounts. Your Guide cannot make payments or transfers, for you or for anyone else.
Every receipt shows all three: what was suggested, what you decided, and what happened.
Every decision leaves a receipt
Approve a suggestion in chat, and a sealed receipt lands in your records. Here is an example of how it looks.
Your Financial Guide
Suggests. Never acts alone.
I found an electricity plan that costs less with your current usage. Want me to save this tip?
Yes, save it.
Sealed receipt
Example of what you see in the app
What was suggested
Move your electricity to a cheaper plan
Your Guide found a plan that costs less with your current usage.
What you decided
You approved this suggestion on 3 June 2026.
What happened
This suggestion was added to your saved tips.
This record is sealed. It can't be edited or deleted, by anyone, including Breadly.
Sealed 3 June 2026 at 14:02. Receipt number 12 of your records.
Provable conduct, not promises
If your organisation supports people in vulnerable circumstances, you need more than assurances about how an AI behaves. You need evidence.
A sealed record of every interaction
Each suggestion the Guide makes is sealed together with the decision and the outcome.
- What was suggested, in plain English
- What the person decided
- What happened next
Evidence you can hand over
When a funder or regulator asks how the AI behaved, you can show them rather than tell them.
- Records that can't be edited or deleted
- A timestamp on every step
- No screenshots or goodwill required
Built for duty of care
People stay in control of every decision, and the record shows the Guide stayed within its limits.
- The Guide suggests, people decide
- No payments or transfers, ever
- Plain English, no fine print
Simple to evaluate
See receipts working with realistic data in a walkthrough with your team before you commit to anything.
- Walk through real receipts end to end
- Bring your compliance questions
- No setup needed on your side
Ready to take a look?
We will set up a walkthrough with your team.
For the technically minded
Every receipt is signed and linked to the one before it, and receipts are numbered with no gaps, so changing or removing one would leave a visible break. Privacy still comes first: if you delete your account, the readable details of your receipts are erased with it, while the seals stay behind so the chain stays intact. We are working on publishing regular summaries of these records outside Breadly, so you will not have to take our word for any of it. A full transparency page is coming.
Plain guidance. Honest limits. Sealed receipts. Breadly.