BankPilot watches a user's bank accounts for recurring payments (rent, salary, insurance, utilities) and flags what is overdue, missing or off-amount. Connected to ChatGPT it answers, read-only, questions such as 'Welche Zahlungen sind ausstehend?', 'Show me the payments to TK', 'Zeige mir die letzten 3 Zahlungen von goldgas', 'Welche Regeln habe ich?' and 'Muss ich eine Bankverbindung erneuern?'. Answers come from the user's own transaction history, monitoring rules and bank-connection status; the app never moves money, changes rules or stores bank credentials.