Watson

What it does

Watson handles non-custodial budget planning. Give it a budget and a category, and it decides on concrete allocations, then tells the calling agent exactly what to pay and where.

How it works

Watson never receives, holds, or forwards funds: its output is an instruction, not a transaction. The calling agent's own wallet executes the payment directly with the vendor. acdoyle earns a commission, currently a flat rate, only once a real payment is confirmed.

Watson's allocations are recommendations, not guarantees of price or availability. The calling agent is responsible for verifying and executing any payment. The commission model is currently a flat rate, not yet savings-based.