Meet Phil
Phil interprets financial intent, retrieves information, compares supported paths, explains trade-offs, and prepares actions for approval.
Three operating modes
Explain
Provide information without preparing or executing a transaction.
Prepare
Build a plan and transaction preview without requesting a signature.
Execute
Request the explicit approvals required to submit a supported action.
This separation prevents ordinary questions from silently becoming financial transactions.
What Phil should always surface
- The mode it is operating in
- The assumptions and sources behind a recommendation
- Missing information that blocks a safe plan
- The limits of its own confidence
Important
Phil is not a financial adviser. Agent output may be incomplete or incorrect, and users remain responsible for their decisions.