TacetYour data stays silent — except to you.
A privacy-first AI financial assistant — your data works for you, not for us.
Tacet's on-device AI understands your spending, generates insights, and manages your finances — all inside a private Vault that even we can't read. When a brand wants insight, they pay you directly, and computation runs inside a TEE so raw records never leave.
Tacet (TAH-chet) — a musical term meaning "remain silent here." Your financial data stays silent to everyone, including us.
The problem
Every finance app monetizes your data. You don't see a cent.
YNAB, Copilot, Monarch, Mint — your spending history is their core asset. The revenue flows to the company. Tacet flips the model: an AI assistant that runs entirely on your device, and every dollar earned from your data flows back to you.
Old model
You hand over data. The app sells insights. You get basic tools — and nothing else.
Tacet
Your data stays in your Vault. Brands pay you directly. You keep 100% of what your data earns.
The Vault
Two layers. Zero plaintext access for anyone but you.
Tacet splits your Vault into a device layer and a remote layer so your AI assistant can reason over your finances without a single byte leaving a secure boundary.
Device Vault
LocalEncrypted storage inside iOS Secure Enclave or Android StrongBox. Receipts, statements, and on-device AI (Apple Foundation Models, Gemini Nano) all run here. Neither Tacet nor your OS vendor can read it.
Remote Vault
TEEYour encrypted space on a Symphony node. Invoked only when on-device compute isn't enough — data decrypts inside an attested TEE enclave. The node operator and Tacet company cannot see inside.
AI Agent
Your private AI financial assistant. Always on, always local.
Tacet's AI Agent lives inside your Vault — it understands your spending, generates insights, manages budgets, and optimizes your finances. All reasoning runs on-device or inside a TEE. No cloud LLM ever sees your data.
Smart insights
Your Agent auto-categorizes transactions, detects anomalies, and delivers weekly and monthly reports in natural language — like talking to your money.
Financial health score
A 0–100 score across five dimensions: emergency fund, debt health, savings rate, cash flow stability, and data completeness. With clear attribution for every change.
Budget advisor
AI suggests realistic budget ranges based on your history. Get proactive alerts at 80% and 100% thresholds — before you overspend, not after.
Subscription manager
Auto-detects recurring charges, flags unused services, and alerts you 7 days before renewal. "Spotify Premium: 6 months, 0 listens — $120/year."
Cash flow forecast
Predicts your income and expenses 3–6 months ahead. Spots trouble before it hits — like an annual insurance renewal that could flip your month negative.
Debt optimizer
Compares snowball vs. avalanche repayment strategies with exact timelines and interest savings. Tracks your progress and nudges you when you drift.
Four ways in. All AI-powered, all encrypted.
Capture spending however fits your life. Your AI Agent auto-classifies every entry on-device — Tacet's servers never see plaintext.
Statement import
CSV/OFX exports from banks and credit cards parse locally. Highest-trust source for brand bounty eligibility.
Snap a receipt
Photograph paper receipts or statement screenshots. An on-device AI OCRs inside the Vault — amount, merchant, category extracted privately.
Paste SMS
Paste a bank or payment app notification — your Agent parses amount, merchant, and time into the same form as manual entry. No network call, all on-device.
Manual & voice
Quick text or voice entry when you're on the go. Tagged by your Agent, never routed through our servers.
Task Hall
Six ways your data earns — with you in control.
Brands and research firms post tasks. Your Agent pre-screens eligibility inside the Vault, shows only the opportunities you qualify for, and you decide what to accept. Rewards settle directly to your account.
Brand bounty
Brands request qualifying shoppers (e.g., fitness spend ≥ $100 in 90 days). Qualify, accept, and share an anonymized breakdown.
Price intel
Snap a receipt from a specific merchant. Low bar, frequent tasks — good for daily active rewards.
Brand research
Try a brand, upload the receipt, answer 3 quick questions. Paid consumer research without the middlemen.
Prediction game
Bet against your Vault's AI on your next-month dining or travel spend. Brand-sponsored pools; richer data wins.
Data quality
Tag uncategorized transactions or confirm merchants. Cleaner data earns more — and lifts your contribution score.
Data alliance
Join an anonymized alliance. Research queries against the pool pay you by contribution share — completeness, freshness, category depth.
Rewards Center
Two balances. One that stays yours, one you can spend.
Tacet keeps SYM (loyalty points) and cash strictly separate. Every data access is logged with time, party, and reward — fully auditable.
SYM balance
Loyalty points earned from data-quality tasks and the prediction game. Redeemable for gift cards and subscription discounts at Phase 1.
Cash balance
Rewards from brand tasks settle in USD via PayPal or ACH. Independent from SYM — no crypto, no conversion.
Access log
See which brand queried what, when, and how much privacy budget it consumed. Revoke consent anytime.
SYM points
loyalty · redeemable
Cash balance
PayPal / ACH
Each task produces an attestation report and on-chain settlement reference. You can verify where your data went — and that no one saw the raw numbers.
End-to-end flows
Two walkthroughs on the Symphony protocol.
Both use cases are documented as informative SCP/SCS specs — showing how Tacet's AI Agent and Task Hall ride on standard protocol primitives.
"Why did my dining spend go up 40%?"
Your Agent routes the question to the Remote Vault, TEE-executes causal analysis over 90 days, and returns a natural-language answer — with a delegation credential you pre-signed at setup.
Read the full walkthroughUse case · Brand bountyA fitness brand finds 500 qualifying shoppers.
Tacet admits a voluntary-participation query. Each Vault pre-screens, eligible users get an opt-in card, and accepted participants receive $15 — aggregated output is bucketed, never raw.
Read the full walkthroughYour data, your terms.
Tacet is the flagship AI financial assistant on Symphony Protocol — a working example of what private-by-default, AI-powered personal finance looks like.