Understanding, built into money.
POST /v1/understand { "decision": "restricted_merchant", "input": { "merchant": "DRAFTKINGS", "mcc": "7995" } } 200 OK { "decision": "restricted_merchant", "type": "predicate", "answer": true, "probability": 0.97, "reasons": [ "mcc_7995", "rule_gambling_category", "kind_sportsbook" ], "abstain": false }
An example member and an example request1
Our incubator and programs, and press about our founders
What we make
Read how Vueni works
Understanding API.
Receipt
Everlane
$128.00 · Oct 5
Card charges
- t1EVERLANEOct 5Answer · 0.95$128.00
- t2UBER *EATSOct 5$32.00
- t3EVERLANEOct 9−$40.00
Reasons
amount_exact · name_match · within_a_day · rule_agrees
Years and Dollars
Survival, Social Security, and closing the U.S. Black–White wealth gap
Damon Kirk and Steven Farrar
Version 2.2, October 2026
Median family net worth, 2025
- White families$332,100
- Black families$36,800
Eval.
TUC engine (rules, no model) · Oct 28, 2026
74.9%95% interval 71.7%–78.0%
| Test | Score |
|---|---|
| Gambling-merchant check | 73.8% |
| Receipt to card charge | 79.7% |
| Total from a receipt email | 74.6% |
| Refund to purchase | 71.4% |
We built these tests and sell this engine. 34 models from 16 labs are queued.
The Understanding Company.
Meet the founders
Damon KirkCEO and Founding Engineer
Steven FarrarCFO