Advice you can't check is just a confident guess. So Qoyla records why a recommendation was made, what data supported it, what you approved, and what happened next, sealed as four linked steps: Reason, Verify, Action, Outcome. Tap any number to follow it home.
The four links
Move $300 to your rent pocket on the 28th.
Proposal only · reversible before cut-off · your bank executes
The advisor interprets you; your bank-authoritative data supplies the figures. AI never invents a number.
Each chain is timestamped and immutable, a record you, your bank, and a regulator can all read.
Action never runs on its own. The Outcome is a preview until you approve and your bank executes.
"It reads, reasons, proposes, then waits for approval before your bank executes. That single rule is why people trust it with the thing they trust least."
Qoyla design doctrine, §Proof-first