
Lums AI: The Accounting Engine
Your budget, mathematically guaranteed to be correct.
What it does
Ever had a transfer between accounts count as "spending" twice? Most apps fail there, losing history after 90 days and leaving you with budget estimates that don't add up. Lums changes that. We’ve added a real Accounting Engine that automatically ensures transfers are verified, your complete history is stored forever, and our AI answers your questions using 100% verified facts instead of messy guesses.
Does the same job
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Hey HN, Henry here from Cactus. We open-sourced Needle, a 26M parameter function-calling (tool use) model. It runs at 6000 tok/s prefill and 1200 tok/s decode on consumer devices. We were always frustrated by the little effort made towards building agentic models that run on budget phones, so we conducted investigations that led to an observation: agentic experiences are built upon tool calling, and massive models are overkill for it. Tool calling is fundamentally retrieval-and-assembly (match query to tool name, extract argument values, emit JSON), not reasoning. Cross-attention…
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