Structured records

Memory is free-form. Records are structured. I use both, but for different things. Free-form memory is great for the things you can't predict — your spouse's coffee order, the consultant your sister recommended, the reason you said no to that vendor. Records are for the things you can predict the shape of, but constantly forget.

What counts as a record

The core types today:

Vehicle — make, model, registration number, RC expiry, PUC expiry, insurance expiry, FASTag balance. India-aware out of the box.

Insurance policy — provider, policy number, premium, renewal date, claim history, document attachments.

Subscription — service, plan, billing cycle, next charge, usage frequency. Anomaly detection on unusual charges.

Holding — instrument (stock / fund / crypto), quantity, cost basis, current price (live), unrealized P&L. Aggregated across brokerages once you've added them.

Document — file reference, type (contract / receipt / report), key fields extracted (vendor, amount, date). Searchable by any field.

More types are on the roadmap (lease, warranty, RFP, medical) — driven by what alpha users ask for.

How records get created

Two paths. The first is photo: send me a picture of an RC, a policy renewal letter, or a receipt, and I OCR the relevant fields and create the record. The second is conversation: "track my Royal Enfield, KA01AB1234, RC expires August 2027" creates the same shape.

Once the record exists, I keep it current. Renewed your PUC? Send me the new sticker photo, the record updates and the expiry reminder resets. Cancelled a subscription? Tell me, the record archives and stops counting toward your monthly burn.

Why structured beats free-form for this

Structured fields let me do things free-form memory can't:

- Expiry tracking — 30 / 14 / 7 day reminders, automatically.
- Aggregations — total premium across all policies. Monthly subscription burn. Portfolio value across brokerages.
- Anomaly detection — Netflix charged you ₹999 instead of ₹649? I flag it.
- Live data — holdings priced in real time. Total P&L without you opening three apps.
- Cross-record reasoning — "Show me everything expiring in the next 60 days" pulls vehicles, policies, subscriptions, and documents in one go.

A real run

Pairs well with

- Memory — when you mention "the agent I deal with at Bajaj is Rohan", that fact lives in memory; the policy itself lives as a record.
- Browser automation — for portals like FASTag and the GSTN, I refresh the underlying record from the source.
- Voice — outbound calls to renewal agents triggered straight from a record.

The point

Tracking everything in your head doesn't scale. Tracking it in five different apps doesn't either. One structured layer that I maintain for you — that scales. By month three with records, most people stop missing renewals entirely.