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AI Categorization

Lumio can auto-categorize transactions with an AI model. It is optional and configured per workspace.

Supported providers​

  • Presets for OpenAI, Anthropic and OpenRouter
  • Any OpenAI-compatible backend, such as Ollama, LocalAI or vLLM

Configuration​

Open Integrations → AI-compatible endpoint and set:

  • Enabled
  • Base URL
  • Model
  • API key, if your endpoint requires one
  • Timeout, in milliseconds

Saving validates the endpoint with a chat completion request. The API key is stored encrypted and never returned to the browser.

Self-hosted models on a private network​

An endpoint entered in the UI must resolve to a public address — the backend refuses private and loopback hosts there. For Ollama on localhost or another private host, set the endpoint on the backend instead:

AI_BASE_URL=http://localhost:11434
AI_MODEL=llama3.1
AI_API_KEY=        # optional

The env endpoint is used when a workspace has no endpoint of its own.

Quality controls​

  • A category is applied only when the model's confidence is at least 0.9; lower-confidence answers are dropped.
  • Timeouts, concurrency and a circuit breaker are tuned through backend env: AI_TIMEOUT_MS, AI_CONCURRENCY (default 2), AI_CIRCUIT_FAILURE_THRESHOLD and AI_CIRCUIT_COOLDOWN_MS (default 300000).

For categorization without an external model, use Integrations → Local categorization.

Next: Receipt Maps