You decide how far the AI goes.

Abundera operates on a progressive trust ladder. Every user starts at Level 1. You move up only when you're ready. Every permission is individually revocable at any time.

1
Observer

Read-only. Abundera watches, analyzes, and reports—but never touches anything. You get daily briefings, cross-domain insights, and alerts about things your individual apps would miss. This is where every user starts.

"Your portfolio drifted 6% from target allocation. Here's a rebalance plan for your review."
Daily cross-domain briefings
Spending & health pattern analysis
Benefit & credit eligibility scanning
Anomaly alerts (fraud, unusual charges)
2
Advisor

Recommend with approval. Abundera proactively surfaces opportunities—unclaimed benefits, tax credits, employer perks, savings optimizations—and you approve them with one tap. Financial actions always require your explicit confirmation. Nothing happens to your money without you saying yes.

"Tax-loss harvest opportunity found: estimated $3,108 savings. Share this with your financial advisor?"
Everything in Observer
Proactive opportunity discovery
One-tap financial recommendations
Subscription & bill monitoring
3
Co-Pilot Coming

Auto-act within your limits. Abundera executes actions within rules you define—filing for benefits, submitting rebate applications, optimizing recurring payments. Financial recommendations stay approval-based. We're building the compliance and safety framework to do this right before shipping it.

"Auto-filed for $2,200 utility rebate, enrolled in employer ESPP at 15% discount, and submitted 3 class action claims on your behalf."
Everything in Advisor
Autonomous benefit enrollment
Rule-based automation
User-defined guardrails
4
Autopilot Exploring

Full cross-domain autonomy. We believe this is the future of personal AI—but only after trust is earned, not assumed. This level will require regulatory clarity, a proven safety record, and your explicit opt-in. A kill switch is always available.

We are actively researching what responsible full autonomy looks like. This level will not ship until we are confident it meets the highest standards for safety, compliance, and user control.

"Weekly summary: 14 actions taken across finances, time, and health. $4.2K in savings identified. 3 meetings optimized. All within your defined limits."
Everything in Co-Pilot
Cross-domain optimization
Proactive financial actions
Instant kill switch

Every permission is individually revocable. Text STOP to halt all automation instantly. Full data export and permanent deletion available on request, no questions asked.