Customers can talk to Tuvel by voice. For many people that is the easiest way to ask about money: no menus, no forms, in their own language. Tuvel speaks English and ten Indian languages through Sarvam, plus several international languages.

Voice also has a problem. A word can be misheard. Someone else in the room can speak. A “yes” can be an answer to a different question. None of that matters when the advisor is explaining a budget. All of it matters when money is about to move.

The rule

In Tuvel, a spoken or typed “yes” never confirms money. Voice and chat can ask for an action. Only a tap on the confirmation card confirms it. Available now

What the tap is bound to

A confirmation is not a general permission. Each tap confirms one exact amount to one exact payee, and nothing else. If the advisor prepared ₹2,340 to a biller, the tap pays ₹2,340 to that biller. It cannot be stretched to a different amount, a different payee, or a second payment.

This matters most when a conversation is long and a model is doing the summarising. Binding the confirmation to the action itself, rather than to what was said, means the thing the customer approved is the thing that happens.

What never reaches the model

Two other rules sit next to this one:

  • PINs and one-time codes never reach an AI model. They are handled outside the conversation.
  • Money maths is done in code. Totals, limits and other money calculations are done by ordinary code. The model explains numbers; it does not produce them.

Personal identifiers Tuvel holds are also masked before any text reaches a model.

Where this sits with the levels

The confirmation rule applies at every level a customer can choose. At levels 1 to 3, every money action either is refused or waits for a tap. Levels 4 and 5, where known bills and merchants would be paid within limits without a tap each time, are on the roadmap. Even there, commitments such as credit applications and balance transfers, any payment to a person and any new merchant still wait for the tap.

Try the confirmation card yourself in the two-key demo.