See every signal

An example member. Check with your doctor.

  • 86signals
  • 8read today
  • 5categories
  • 6devices checked

In the app.

How a signal meets spending.

  1. 1

    A signal

    Sleep, heart rate variability, resting heart rate and breathing, read from Apple Health on your iPhone.

  2. 2

    A moment

    Each purchase is placed against the night before and the hours around it.

  3. 3

    A measure

    The purchase is set against your own history: late-night spend, impulse categories, basket size.

The comparison is yours alone: it uses your history, on your iPhone. Nothing shows until you have weeks of both. Context, not a diagnosis. Check with your doctor.1

Sleep.

14 signals, 2 read today

Compared with

Late-night purchases

Purchases between 11 PM and 5 AM, and the size of the next day's basket.

Sleep signals
SignalUnitStatus
Bedtimesleep_start_timetimeFrom Apple Health
Midpoint of sleepsleep_mid_timetimeFrom Apple Health
Wake timesleep_end_timetimeFrom Apple Health
Sleep durationsleep_durationminutesRead today
Sleep debtsleep_debthoursRead today
Interruptionssleep_interruptionscountFrom Apple Health
Time in bedsleep_in_bed_durationminutesFrom Apple Health
Time awakesleep_awake_durationminutesFrom Apple Health
Light sleepsleep_light_durationminutesFrom Apple Health
REM sleepsleep_rem_durationminutesFrom Apple Health
Deep sleepsleep_deep_durationminutesFrom Apple Health
Sleep regularitysleep_regularityindexFrom Apple Health
Time to fall asleepsleep_latencyminutesFrom Apple Health
Sleep efficiencysleep_efficiencypercentFrom Apple Health

Vitals.

14 signals, 5 read today

Compared with

Stress Score and impulse categories

Heart rate variability, resting heart rate and breathing feed the Stress Score for each purchase.

Vitals signals
SignalUnitStatus
Resting heart rateheart_rate_restingbpmRead today
Heart rate asleepheart_rate_sleepbpmFrom Apple Health
Heart rate variability (SDNN)heart_rate_variability_sdnnmsRead today
Heart rate variability (RMSSD)heart_rate_variability_rmssdmsRead today
Breathing raterespiratory_ratebreaths/minRead today
Breathing rate asleeprespiratory_rate_sleepbreaths/minFrom Apple Health
Blood oxygenoxygen_saturationpercentFrom Apple Health
Blood oxygen asleepoxygen_saturation_sleeppercentFrom Apple Health
VO2 maxvo2_maxmL/kg/minFrom Apple Health
Blood glucoseblood_glucosemg/dLFrom Apple Health
Blood pressure, systolicblood_pressure_systolicmmHgFrom Apple Health
Blood pressure, diastolicblood_pressure_diastolicmmHgFrom Apple Health
Basal body temperaturebody_temperature_basal°CFrom Apple Health
Wrist temperature asleepskin_temperature_sleep°CRead today

Activity.

10 signals, 1 read today

Compared with

Spending by day

Spend on more and less active days, in your own history.

Activity signals
SignalUnitStatus
StepsstepscountRead today
Floors climbedfloors_climbedcountFrom Apple Health
Active hoursactive_hourshoursFrom Apple Health
Active timeactive_durationminutesFrom Apple Health
Low-intensity timeactivity_low_intensity_durationminutesFrom Apple Health
Medium-intensity timeactivity_medium_intensity_durationminutesFrom Apple Health
High-intensity timeactivity_high_intensity_durationminutesFrom Apple Health
Sedentary timeactivity_sedentary_durationminutesFrom Apple Health
Active energyactive_energy_burnedkcalFrom Apple Health
Total energytotal_energy_burnedkcalFrom Apple Health

Body.

8 signals

Compared with

Giving and budget rules

Kept on your phone. Never part of the Stress Score.

Body signals
SignalUnitStatus
HeightheightmFrom Apple Health
WeightweightkgFrom Apple Health
Body mass indexbody_mass_indexkg/m²From Apple Health
Body fatbody_fatpercentFrom Apple Health
Fat massfat_masskgFrom Apple Health
Lean masslean_masskgFrom Apple Health
Waistwaist_circumferencemFrom Apple Health
Resting energyresting_energy_burnedkcalFrom Apple Health

Nutrition.

40 signals

Compared with

Food and grocery spend

Eating out against groceries, by week.

All 40 signals
Nutrition signals
SignalUnitStatus
Energy intakeenergy_intakekcalFrom Apple Health
Waterwater_intakeLFrom Apple Health
Proteinprotein_intakegFrom Apple Health
Fatfat_intakegFrom Apple Health
Saturated fatfat_saturated_intakegFrom Apple Health
Monounsaturated fatfat_monounsaturated_intakegFrom Apple Health
Polyunsaturated fatfat_polyunsaturated_intakegFrom Apple Health
Trans fatfat_trans_intakegFrom Apple Health
Cholesterolcholesterol_intakemgFrom Apple Health
Carbohydratecarbohydrate_intakegFrom Apple Health
Sugarsugar_intakegFrom Apple Health
Fiberfiber_intakegFrom Apple Health
Caffeinecaffeine_intakemgFrom Apple Health
Vitamin Avitamin_a_intakeµgFrom Apple Health
Vitamin Cvitamin_c_intakemgFrom Apple Health
Vitamin Dvitamin_d_intakeµgFrom Apple Health
Vitamin Evitamin_e_intakemgFrom Apple Health
Vitamin Kvitamin_k_intakeµgFrom Apple Health
Thiaminthiamin_intakemgFrom Apple Health
Riboflavinriboflavin_intakemgFrom Apple Health
Niacinniacin_intakemgFrom Apple Health
Pantothenic acidpantothenic_acid_intakemgFrom Apple Health
Vitamin B6vitamin_b6_intakemgFrom Apple Health
Biotinbiotin_intakeµgFrom Apple Health
Folatefolate_intakeµgFrom Apple Health
Vitamin B12vitamin_b12_intakeµgFrom Apple Health
Calciumcalcium_intakemgFrom Apple Health
Ironiron_intakemgFrom Apple Health
Magnesiummagnesium_intakemgFrom Apple Health
Phosphorusphosphorus_intakemgFrom Apple Health
Potassiumpotassium_intakemgFrom Apple Health
Sodiumsodium_intakemgFrom Apple Health
Zinczinc_intakemgFrom Apple Health
Chloridechloride_intakemgFrom Apple Health
Coppercopper_intakemgFrom Apple Health
Manganesemanganese_intakemgFrom Apple Health
Chromiumchromium_intakeµgFrom Apple Health
Molybdenummolybdenum_intakeµgFrom Apple Health
Seleniumselenium_intakeµgFrom Apple Health
Iodineiodine_intakeµgFrom Apple Health

Devices.

  • Apple WatchSleep, heart rate variability, resting heart rate
  • WHOOPSleep, resting heart rate
  • OuraSleep
  • GarminSleep, heart rate
  • CorosSleep, heart rate
  • PolarSleep, heart rate

Each device supplies what it writes to Apple Health; Vueni uses the signals that are there. Any other device that writes to Apple Health works the same way.

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Notes
  1. Note 1: Health signals are computed on your iPhone from Apple Health, which includes Apple Watch data, the sleep and resting heart rate WHOOP syncs to it, and the sleep Oura syncs to it. Your raw health readings and lab results stay on your iPhone. Only a few derived numbers can be sent to Vueni, never the readings themselves. The numbers describe how your sleep, heart rate variability and resting heart rate compare with your usual. Your health signals feed your Stress Score. In Automatic Calm Mode, an elevated or high score can lower your per-purchase limit or pause your card for a few hours. With Smart Nudges only, nothing changes unless you say yes. We never sell your health data and never use it for advertising.

© 2026 The Understanding Company

The Understanding Company is a financial technology company, not a bank. Accounts, balances, cards and money movement are provided through Whop and its financial partners. Balances are not FDIC insured.