Monily Machine Learning API for Digital Receipts provides secure Receipt Management for Card Providers and Expense Management Solutions. Monily uses native Machine Learning embedded on the Customer's Smartphone, to match the locally stored email receipts and receipt photos to their corresponding Bank transactions, securely and privately. Monily's APIs use the data to integrate APIs for Price Comparison, Delivery Trackers, Warranties, Virtual Cards, and Open Banking on the Smartphone to provide utility for the end customer and cost reductions for the Card provider.