Questions you probably have.

No. Lumen is read-only by architecture, not policy. Your AI can see balances, transactions, and spending. It cannot initiate a transfer, payment, or change to any account. There is no write capability in our code. If that ever changes, Lumen will say so and you will have to opt in.

An open standard from Anthropic that lets AI tools securely access external data, like a USB port for AI integrations. Lumen is an MCP server that gives your AI a read-only window into your finances. Works the same way your AI accesses email or calendar.

Budgeting apps live inside their own dashboard. Lumen lives inside your AI. Ask Claude or ChatGPT a question about your money and get an answer in the tool you already use. No new app to check, no dashboard to maintain. Lumen does not categorize, advise, or take action on your behalf: your AI gives you personalized answers, not generic advice.

Lumen connects through Quiltt, which supports thousands of US banks, credit unions, and brokerages. Most major institutions work out of the box.

Lumen never stores your balances or transactions. Every AI query hits your bank live through Quiltt's bank-grade aggregation infrastructure. Connections are encrypted in transit and at rest. You can revoke access from your account at any time.

No. We make money from subscriptions. Your data is never sold, shared, or used for advertising. Full stop.

Cancel anytime from your account. The moment you disconnect, your AI loses access instantly.