What makes Fundly stand out: 🧠 AI that guides, doesn't control - Get smart recommendations (like "delay Netflix 3 days to avoid overdraft") but YOU always decide ⏰ Smart payment timing - We tell you WHEN to pay bills based on cash flow, not just what's due 🔒 True read-only security - We see transactions to help optimize, but can NEVER touch your money (Plaid encryption) 🇨🇦 Built-in tax optimization - CRA-accurate calculator with RRSP tracking (unique to us)