Onalys Chat
Messaging-channel money automation.
Chat turns natural-language requests into structured execution intents for payments, subscriptions, approvals, saved prompts, and external tools.
Approval conversation
User
Move Netflix to the better card if it is under $30.
Onalys
Cobalt is the selected card. I can create a subscription-switch intent and pick the strongest available rail.
User
Approve.
Onalys
Intent recorded. I will try the merchant rail first, then a controlled browser execution path if the rail is unavailable.
Channels
Same execution layer, more surfaces.
Prompt to intent
Chat extracts the user request into a structured payment or subscription-switch intent.
Approval gates
Sensitive actions require mandate fit, step-up approval, and clear user confirmation.
Tool workflows
External tools are called through schemas, policy checks, and audit hashes.
Untrusted text, trusted execution
Chat messages never become raw execution authority. They become structured intents that pass through mandates, deterministic policy, compliance flags, and provider gates.