ePilot
01Understands, manages and acts.
ePilot is the AI financial agent that helps you understand, manage and execute everyday financial activities.
ePilot by Lyde
Meet ePilot.AI financial intelligence for everyday money decisions
Your AI financial agent, protected by Guardrail and controlled by you.
ePilot helps you understand, manage and execute everyday financial activities. Guardrail checks every proposed action against the permissions, limits and rules you choose.
ePilot acts. Guardrail keeps it within your limits.
User authority → Guardrail → ePilot action
The problem
Your money needs more than information.
Financial information is everywhere. The hard part is interpreting it, deciding what matters and taking the right action at the right time.
Bills
Payments
Subscriptions
Spending
Savings
Financial decisions
Financial risk
Opportunities for growth
Lyde bridges financial intelligence and authorised action.
The Lyde system
ePilot acts. Guardrail keeps it within your limits.
ePilot is designed to help automate everyday financial activities while keeping users in control. Guardrail continuously checks proposed actions against the user’s permissions, limits, preferences and financial rules before execution.
Guardrail
02Protects your boundaries.
Guardrail is the intelligent safety layer that keeps ePilot’s actions within your authorised limits, preferences and rules.
User authorisation
03You remain the authority.
ePilot only executes actions you explicitly authorise or permit through predefined rules. You decide when additional approval is required.
User
Authority, permissions & rules
Guardrail
Safety, permissions, limits & checks
ePilot
Executes authorised financial actions
How ePilot works
From understanding to action.
Understand
ePilot helps understand your financial position, activity, obligations and goals.
Prepare
ePilot identifies a sensible next step and prepares the proposed financial action.
Check
Guardrail checks the action against your permissions, limits, preferences and financial rules.
Act
ePilot executes only authorised actions. Anything outside your rules comes back to you for approval.
Understand. Prepare. Check. Act.
Authorisation & control
Your money. Your rules. Your control.
You decide what ePilot is allowed to do. Guardrail protects the authority you define.
Monitor
Monitor spending and financial activity.
Recurring payments
Manage authorised recurring payments within your limits.
Payments
Execute approved payments within your predefined rules.
Transfers
Require approval when a transfer falls outside your authorised conditions.
Investments
Provide opportunities and recommendations, while requiring approval before investment actions.
High-risk actions
Require explicit approval before sensitive or high-impact actions.
Example ePilot permissions
An illustration of how controls could work, not final product specifications.
- Monitor spending
- Identify upcoming bills
- Pay recurring bills up to $200
- Alert me about unusual activity
Approval required
- New recipients
- Large transfers
- Investments
- High-risk financial actions
Permissions can be changed or revoked by you.
Safety by design
Built around control, not blind automation.
Guardrail operates alongside ePilot to check every proposed action before execution and keep people in control.
You decide
You choose what ePilot is allowed to do and which actions always need your approval.
You set limits
You can define spending and transaction limits for permitted activities.
You stay flexible
You can approve, modify or revoke permissions when your needs change.
Guardrail checks first
Guardrail checks proposed actions before ePilot executes them.
Extra approval
Actions outside your authorised rules require additional approval from you.
Clear visibility
You can see what ePilot proposes, what Guardrail checked and what happened.
ePilot should never independently create permissions or override user-defined limits.
Everyday example
Imagine ePilot handling an everyday financial task.
Electricity bill
$84.00
Due tomorrow
- ePilot identifies the upcoming bill.
- Guardrail checks your position, rules and obligations.
- Guardrail confirms the payment is permitted.
- ePilot executes within your authorised recurring-payment limit.
Simulated example. No real payment is made.
New recipient
$850.00
Approval required
Guardrail has stopped this payment because it is outside your authorised conditions. ePilot cannot proceed without you.
Guardrail applies different checks to different actions. Your rules determine when ePilot can act and when it must ask.
Financial health & insights
Don’t just react to your finances. Understand what comes next.
ePilot can identify spending pressure, upcoming commitments, possible risks and potential opportunities. Guardrail checks any proposed action before it can be executed.
Potential opportunityPossible riskSuggested action
Financial health
76/100
1
2
3
4
5
6
7
Possible risk
Two commitments cluster next week.
Suggested action
Keep an extra buffer available.
Illustrative data only. Insights and projections are not guaranteed outcomes or financial advice.
Product vision
ePilot grows with you.
These stages describe the direction of the product and may not all be available at launch.
PHASE 1
See
Understand your financial activity.
PHASE 2
Understand
Receive intelligent financial insights.
PHASE 3
Plan
Create smarter financial actions around your goals.
PHASE 4
Assist
Get help with everyday financial tasks.
PHASE 5
Authorise
Give ePilot permission to handle selected tasks within your rules.
PHASE 6
Act
ePilot executes authorised actions and keeps you informed.
PHASE 7
Optimise
Continuously improve how you manage everyday financial activity.
Clear boundaries
ePilot isn’t here to take control away from you.
- Not unlimited access.
- Not blind automation.
- Not decisions made without you when your approval is required.
ePilot is designed to work within the boundaries you choose.
ePilot acts. Guardrail protects. You remain the authority.
Lyde brings financial intelligence, Guardrail protection and controlled execution together. ePilot acts only within the authority you give it.
Financial intelligence that works for you.
What ePilot can help with
Financial Intelligence that helps you make smarter everyday decisions with your money, time and purchases.
ePilot is designed to assist with everyday financial activities — and takes only the actions you have authorised.
Better shopping deals
Find deals that fit your budget before you spend.
Smart allocation
Help spread your money across upcoming needs and priorities.
Inventory tracking
Keep track of what you already own so you don't buy twice.
Spending clarity
Understand your spending and where your money is going.
Bills & expenses
Plan and automate upcoming bills and expenses on time.
Product research
Research products and services before you buy.
Risk checks
Verify and validate risk before any financial action is taken.
Every action stays within your rules.
Guardrail checks each proposed action against your permissions and limits before ePilot acts — you always stay in control.
Early access
Be among the first to experience ePilot.
We’re building a new way to interact with your finances — ePilot takes authorised action while Guardrail protects your boundaries.
You set the boundaries. Guardrail checks them. ePilot works within them.
FAQ