Recoup.
money-recovery agent
THE MONEY-RECOVERY AGENT

Find owed money.
Stop silent leaks.

Budgeting apps show where your money went. Recoup gets it back. It scans statements or read-only Gmail receipts, finds recoverable money, builds the evidence, drafts the claim — and waits for your approval before anything leaves your hands. No bank login, ever.

Read-only Gmail Private paste scan Human approval gate SHA-256 audit

Recoup will never ask for your money, password, bank details, or remote access. Money only ever moves on the official vendor/government site — never through Recoup.

Who's behind this? Built by Vaibhav — a final-year Computer Science student at the University of Liverpool — as a dissertation & portfolio project. Free because it's a student project, not a data broker. The code is open-source and your data is never sold. See the code →
Recoup preview
Scanning statements…
Scanning Gmail & Statement…
Atlas Vector Search
Precedent: FTC Click-to-Cancel
Similarity: 0.88
Gemini ADK Reasoner
› PureGym: unused 60 days.
› Legal basis: FTC Negative Option.
› Action: draft claim for $480.
Human approval gate
pending_approval — nothing sends until you tap approve
Recovered $0
PureGym — Cancelled
you approved it · SHA-256 logged
rules own every $you approve all
ESTIMATE YOUR REFUNDS

Interactive Savings Estimator

Check common leaks & payouts you might qualify to recover. Our Gemini agent will draft the claims grounded in MongoDB Atlas memory.

ESTIMATED RECOVERY POTENTIAL
$720
Grounded in FTC, EU261 & Fair Credit Billing Act precedents in MongoDB Atlas. Recurring leaks shown per year; one-time payouts counted once.
AGENT SPECTRUM

Tamper-Evident Multi-Agent Swarm

How our specialized agents work in a pipeline, using the official MongoDB MCP server to retrieve precedents and execute plans.

1. Surface Scan

Scanning receipts and statements. Identifies potential leaks and cadences (yearly vs one-time).

Subscription Hunter

2. Vector Match

Queries MongoDB Atlas Vector Search using text embeddings to match the charge to a recovery playbook.

Atlas Precedent Matcher

3. Gemini ADK Reasoner

Builds the plan. Cites the precedent, drafts cancellation emails, never hallucinates dollar amounts.

Gemini 3 Flash

4. Human Approval Gate

Strict safety block. The draft is locked under pending approval. Nothing leaves your browser without your click.

Human-in-the-Loop
LEGAL GROUNDING

Consumer Protection Playbooks

Recoup matches your transaction footprint to specific consumer protection rules and merchant guidelines stored in MongoDB Atlas.

FTC Click-to-Cancel US

Subscription Cancellation

Mandates that companies make cancelling a recurring subscription as easy as signing up. Pre-paid unused periods must be prorated and refunded.

Fair Credit Billing Act US

Billing Error & Duplicate Dispute

Protects consumers from billing errors, duplicate charges, or unauthorized fees. Cardholders have up to 60 days to file disputes and trigger chargebacks.

EC 261/2004 & UK261 EU/UK

Flight Delay Cash Compensation

Provides air passengers delayed 3+ hours or denied boarding with cash compensations of €250 to €600, depending on flight distance, not travel vouchers.

ROSCA Act (15 U.S.C.) US

Free-Trial Auto-Renew Refund

Requires clear consent and disclosure before a free trial auto-converts to a paid subscription. Silent conversions qualify for full chargebacks.

CRYPTOGRAPHIC SAFETY

Tamper-Evident Security

Every action generates a SHA-256 audit block. The hash chain links each state change together to prevent database spoofing or fraud.

EXAMPLE HASH CHAIN
verify the real one at /api/health
BLOCK #01
SCAN_RUN · recoverable items found
HASH: 7a8b9f01c2...e3d4f5
BLOCK #02
ACTION_APPROVED · Gym Cancel
HASH: 9a8c1e2f3d...0a9b8c
BLOCK #03
CLAIM_SENT · Claim Form Open
HASH: e8d7c6b5a4...f9e8d7
ADVERSARIAL AI QA — 3 ROUNDS

Brutally tested by simulated personas

Recoup was attacked by panels of adversarial AI test personas plus a hackathon-judge lens, across three rounds, with automated multi-viewport sweeps. These are real findings from that process — simulated testers, not customer testimonials. What they flagged, we fixed and re-verified live.

SP
The Scam-Wary Pensioner simulated persona · round 1
FLAGGED → FIXED

Flagged: "Looks like every scam that promises me money." Shipped: an above-the-fold promise — Recoup never asks for your money, password, or bank details — and money only ever moves on the official vendor/government site.

SE
The Privacy-Paranoid Engineer simulated persona · round 2
FLAGGED → FIXED

Flagged a CORS misconfiguration and a self-certifying audit chain. Shipped: a pinned origin allowlist, a thread-safe SHA-256 chain (verified under concurrent approvals), and a public /api/health integrity check anyone can curl.

HJ
The Hackathon Judge simulated persona · round 3
FLAGGED → FIXED

Flagged: "The engine fabricates price hikes from variable spend — PAYPAL *NYTIMES and PAYPAL *SPOTIFY collapse into one merchant." Shipped: gateway-descriptor parsing and a hike test that rejects scatter — verified with the exact failing inputs.

MU
The Impatient Mobile User simulated persona · rounds 1–3
FLAGGED → FIXED

Flagged overlapping cards and a black-screen reveal on mobile. Shipped: a rebuilt reveal with a can't-stay-hidden failsafe and clean layouts — re-certified at 390, 768, 1280 and 1440px with zero console errors.

Verified in testing — every claim reproducible

CORS pinned to an origin allowlist — no wildcard with credentials
Audit chain race-safe — concurrent approvals keep the SHA-256 chain intact
5,000-line statement parsed in-browser in ~25ms — nothing uploaded
Money math deterministic — gateway descriptors split, one-time payouts never annualized

Search real unclaimed money official CA records · $500+

Search a live slice of the California State Controller's official unclaimed-property records ($500-and-up segment) — real money held under real names. Recoup never touches the money: claims happen only on the official state site.

Indexed slice of the official dataset (updated weekly) · source: sco.ca.gov public records · claim only at claimit.ca.gov