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Your product sees the transactions

Neumetria sees the person.

A live view of how each person earns, spends, saves, borrows, invests, and holds, built from the transactions your product already sees. Products and agents query it before they act. Every decision stays yours.

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Live stream
Activity in
Understanding
01How it works

One transaction,
read in context.

Every purchase carries more than a category: when it happened, how it fits this person’s rhythm, what it says about the month. Read in context, it becomes part of the financial state your product queries.

01 · InputRaw
mcc: 5411
amount: 52.40
time: Sat 10:24
merchant: WHOLEFDS MKT #10847
02 · InterpretContext
merchant: Whole Foods
category: Essential groceries
temporal: Sat morning
cycle: Payday +1d
03 · UnderstandBehavior
income_rhythm: weekly
grocery_cadence: stable
liquidity_horizon: 11d
stability: 0.78
04 · ReviseLoop
verdict confirmed by your product
applied on every recompute
resets never
Explore the platform
02What you ask it

One state.
Four questions.

Every surface reads the same financial state: a lending flow, a product screen, an agent, your own code. Start from the question you arrived with.

Can this person absorb this credit?

Lend

Current capacity beside the bureau, your policy executed under your oversight, and a record that reconstructs the assessment afterwards.

Risk & complianceLearn more →Is this the moment for this prompt?

Adapt

Surfaces that fit the person right now, with spend / save / invest / quiet gates.

Product & lifecycleLearn more →What should the agent know before it speaks?

Agents

A per-person financial state and readiness gates, read before the product allows a turn.

Applied AI teamsLearn more →How do I build against it?

Developers

Two calls, a stateless sandbox on test keys, and a boundary that keeps the rules and the decisions yours.

Platform & integrationLearn more →
03Posture

Clear about
the line.

We execute your policy. We never decide.

Neumetria is infrastructure for fintech products and agents. When you publish a policy, we execute it exactly as you wrote it and enforce the oversight you chose: every run reviewed, a sampled slice, or none. We never author a rule, never pick the mode, and never decide an outcome. And what was served stays checkable afterwards, on what data and under which version, frozen at the time of the run.

What Neumetria is not

  • × A financial advisor
  • × A robo-advisor
  • × The decider of any outcome
  • × An investment platform
  • × A tool that advises, approves, or denies
  • × A payment processor or payment initiator

What Neumetria is

  • ✓ A behavioral understanding layer
  • ✓ B2B infrastructure for fintech products
  • ✓ A layer that reads activity in context
  • ✓ The financial state and readiness gates your product queries
  • ✓ A layer under your decisions, not instead of them
  • ✓ An engine that runs the policy you wrote, under the oversight you chose
  • ✓ A record of what was served, on what data, under which version
04What compounds

Understanding compounds.
Every month deepens it.

What the layer learns keeps working for you: a vocabulary refined against real behavior, months of each person’s history, and interpretation that improves with everything it reads.

The language

Named behavioral objects and the relations between them: Income Rhythm, Liquidity Horizon, Spending Confidence, each defined, versioned, and connected to what it derives from. A vocabulary refined against lived behavior.

The trajectory

Understanding deepens with time in the data. A view built from months of one person’s behavior is something only time can produce, and it is already accruing for every person you send.

Shared interpretation, isolated views

Reading merchants, cultures, and patterns improves across everything the layer processes. Behavioral views never leave a tenant. Interpretation knowledge compounds; personal data does not travel.

The loop

When your product or its users confirm or correct a read, the verdict is kept and re-applied every time the understanding recomputes. A correction, once made, stays applied.

05Integrate

Two calls.
Fast where it matters.

One endpoint to send activity, one endpoint to read the financial state. Light context returns in-line right away; the fuller state and its readiness gates typically update within minutes, and your product fetches them once they are ready.

POST /v1/transactions
Your product streams activity in. Minimal payload: amount, merchant hint, timestamp, direction.
→ synchronous response
Light context returns in-line. Designed for a sync-slice latency budget under 200ms at p99 (environment-dependent).
· async processing
The financial state and its readiness gates typically update in the background within minutes as new activity lands.
GET /v1/actors/{id}/understanding
Current financial state on demand. Versioned, confidence-weighted, with optional gates.

What integration looks like.

Setup
Often 2–4 weeks from first call to first live financial state in a staging environment, depending on data shape and access.
Security
ISO/IEC 27001:2022 certified for the platform itself, with SOC 2 in progress. We process personal data under GDPR. Data residency and PII handling agreed before any integration begins. Tenant isolation is the default.
Pricing
Annual contracts, scoped to the surfaces you integrate. We size with you once we understand the deployment.
Support
We work directly with your engineering lead during integration. No procurement-scale SDK tour.
GET /v1/actors/{id}/understanding
// illustrative
{
  "as_of": "2026-07-22T09:41:00Z",
  "understanding": {
    "income_rhythm": { "shape": "biweekly", "stability": 0.91 },
    "liquidity_horizon": { "days": 11, "confidence": 0.78 }
  },
  "gates": {
    "spend_readiness": "moderate",
    "stay_quiet": false
  }
}
»» Understanding of humans

Products already hold the activity.
We interpret the person behind it.

If you are building fintech products or financial agents that need a per-person behavioral view, talk to us.

Contact sales Developers