● Phase 1 — Live
Intelligent Insights
Billo keeps track of every bill, subscription, and payment across all your accounts and corridors — so you don't have to. It notices things before you do, and tells you plainly.
Spend Pattern Analysis
Tracks spending across billers, categories, and corridors. Surfaces trends, seasonality, and anomalies month over month.
Your utility spend is up 12% vs last quarter. Mostly Enbridge Gas — winter billing cycle. Expected to normalise by April.
Predictive Bill Alerts
Learns your bill patterns and alerts you before due dates. Knows when bills typically arrive, when they're late, and when amounts look unusual.
Grace's JPS bill is due Friday — $28 CAD. You usually pay this on Wednesday. Want me to remind you tomorrow?
Subscription Monitoring
Automatically detects recurring charges from card history. Flags price increases, forgotten subscriptions, and unrecognised charges. Powered by Mastercard Ethoca.
Noticed something. Your Netflix went from $10.99 to $13.99 last month. You've had it 3 years. Want me to flag it?
Anomaly Detection
Catches unusual charges, duplicate bills, unexpected billers, and amounts that fall outside normal ranges. Alerts before they become problems.
Found a charge you might have forgotten — Adobe $54.99/mo. You haven't opened it in 4 months. Cancel it?
◐ Phase 2 — 2027
Billo Pay Agent
Phase 2 extends Billo from intelligence into action. The Pay Agent handles bill payments autonomously within rules you set — scheduling, prioritising, and confirming on your behalf.
How it works
You set the rules. Billo follows them. Every action is logged, every payment confirmed, and you can override at any time. The agent never acts outside your permissions.
01
You set rules
"Pay mom's JPS bill
every month under $50"
every month under $50"
→
02
Billo monitors
Watches for the bill,
checks the amount
checks the amount
→
03
Billo pays
Executes payment
within your rules
within your rules
→
04
Everyone knows
You + mom get
instant confirmation
instant confirmation
AGENT CAPABILITIES
· Auto-pay recurring bills on schedule
· Smart prioritisation (overdue first)
· Cross-border kin payments on rules
· Budget-aware — respects spending limits
· Pause/resume with one tap
· Smart prioritisation (overdue first)
· Cross-border kin payments on rules
· Budget-aware — respects spending limits
· Pause/resume with one tap
SAFETY GUARDRAILS
· Never acts outside your explicit rules
· Amount thresholds per biller
· Approval required for new billers
· Full audit trail of every action
· Instant kill switch — you're always in control
· Amount thresholds per biller
· Approval required for new billers
· Full audit trail of every action
· Instant kill switch — you're always in control
The rule: Billo never says "I used AI to..." or "My algorithm detected..." — it just knows. The intelligence is in what Billo notices, not what Billo claims. In Phase 1, Billo surfaces and you decide. In Phase 2, Billo acts within rules you set. At every stage, you're in control.
Helpful
Proactive
Organised
Cross-border
Time-saving
Yours