Copilot is one of four home screens. Instead of a dashboard of tiles it puts your activity feed on top, a strip of things worth doing next above it, and Mysty, the assistant, docked at the bottom to talk or type to. Nothing on it acts on its own.
How do I switch to it?
Open Profile and pick Copilot under Home mode. Your Home tab then opens Copilot instead of the dashboard. Home mode changes how your home screen looks and works, not your data, and you can switch back any time. It needs the AI assistant module on. With it off, the Copilot option is greyed out and says why.
What are the suggestions at the top?
Two things:
- Overdue invoices, folded into one card with the total outstanding and a Review & send reminders button.
- A GST filing due within three days, or already overdue, with one card per filing, linking to the GST screen.
Both are computed from figures already on your screen (your receivables ageing and your GST settings), with no AI model involved. The same strip also appears at the top of the dashboard, so you get the nudges whichever home you use, and each card is gated on its own module: reminders need Invoices, GST nudges need GST.
When there is nothing to nudge you about, the strip does not appear. Tap Later on a card and it stays hidden for three days. That snooze lives on the device you tapped it on, so it will not follow you to your phone.
Does it send the reminders itself?
No. Review & send reminders opens a sheet with one confirmation card per overdue invoice. You confirm each one, and no message exists until you do. Each send is then put through the same consent check as every other message in Finocket: the customer's consent, the unsubscribe list and their quiet hours, checked at the moment of sending, not when the card appeared. A blocked send tells you the reason. Where your workspace has turned assistant actions off, or set a limit this action is above, the Confirm button is replaced by that reason.
At most ten reminders are prepared at a time, even when more invoices are overdue, though the card still counts them all.
What stops Mysty inventing a number?
A check that runs over the assistant's own answer, sentence by sentence, before you see it. A sentence carrying a figure survives only if that figure was in data Finocket handed the assistant during that same answer. One that does not is removed. The same check drops any sentence that tells you which tax regime to be on or what to put your money into, in any of the five languages the app speaks.
Two consequences:
- A refusal cannot be narrated around. When a tool refuses (an assessment year whose rates have not been read, say), the assistant may tell you it refused and why, and may state no figure at all, not even ₹0. “You have ₹0 tax to pay” is a wrong answer, not a safe one.
- Sometimes the whole answer goes. Then Mysty says so: “I could not put that answer in words I can stand behind, so I have left it out”, usually with a link to the screen where the figures actually live. What is saved into your chat history is the checked answer, not the raw one, so a withheld figure cannot come back later as if it had been agreed.
The check proves a figure came from your books. It does not prove the sentence attached it to the right question, so for anything you are going to act on, open the screen Mysty links to and read the figure there.
Does it change anything without asking?
No. Mysty reads your data; every write is proposed as a card you confirm, and the confirmation is subject to your workspace's assistant-actions setting and its rupee ceiling. Growth campaigns, invoices from a spoken note and reminders are all drafts until a person taps Confirm.
Can I hide my income when someone is looking at my screen?
Yes. On the dashboard home screen the month’s earnings, expenses and net are hidden by default and show as XXXXXX. Tap the eye above the tiles to reveal them, and tap it again to put them away. This is the same idea as the eye in a banking app.
It exists because people demonstrate Finocket to staff, to an accountant, or to a customer across the counter, and the first screen used to state the month’s takings before anyone had a chance to look away.
The mask is the same width whatever the figure, so nobody can tell from the screen whether it is thousands or lakhs. The choice is remembered per device, not per account, because who can see the screen depends on the room you are in rather than the login you used. Signing in on your phone will not carry over what you chose on the shop computer.
It covers the dashboard tiles only. A report you open deliberately still shows its figures, because you asked for that one.
What does it cost?
Chat runs on a shared daily allowance on the free tier; add your own AI key or the Pro add-on and that cap does not apply. The suggestions strip is free either way, because it does not use AI.
Related: The AI assistant, Bring your own AI keys.