Good questions.
Clear answers.

Ask about your money in the AI you already use, with your connected accounts as context. Understand a change in spending, compare recurring costs, explore investment holdings, or work through a financial goal. Follow up until the answer is useful to you, instead of piecing together statements or starting with a fixed report.

No. Spending is one starting point. You can also ask about balances, income patterns, upcoming recurring bills, or holdings across supported accounts. The value is having your financial context available when a question comes up, whether you want clarity, a practical plan, or less manual work.

Most finance apps organize your money into their own dashboards. Lumen connects your accounts to an AI you choose, so the conversation can start with your question and adapt as you ask more. You can use Lumen alongside another finance app; you do not have to move your money or change banks.

Yes. That can work for a one-off question. Lumen saves you from gathering and uploading files each time by giving your AI a connection to the accounts you share. What it can retrieve depends on your institution and the available data; it is not a replacement for your official records.

Start with something you actually want to know: “What changed in my spending this month?” or “Which recurring payments am I making?” Then ask for the transactions behind the answer, compare a different period, or explore what a change would mean. You do not need a perfect prompt.

Lumen connects through Quiltt to thousands of US banks, credit unions and brokerages. Available accounts and features vary by institution. Search for your bank during connection and choose which accounts to share.

Use an AI app that supports custom MCP connections, such as Claude, ChatGPT or Perplexity. You do not need to code, but setup and availability depend on your AI provider, plan and device. Some providers require a paid plan. Your AI subscription is separate from Lumen. See our setup guide.

MCP stands for Model Context Protocol. Think of it as a standard way for an AI app to connect to another service. Lumen uses that connection to respond when your AI asks for your financial information. You do not need to learn the technology or write code; follow the connection steps for your AI.

Yes. You can approve more than one compatible AI app and revoke each connection individually. A locally hosted model can work through a compatible app that supports Lumen’s MCP connection and sign-in flow; installing a model alone does not provide that connection. Each AI app you approve can access the same accounts you share with Lumen.

You can use Lumen wherever your chosen AI app makes its connected services available. Some providers require initial setup on the web or desktop, and their mobile support can differ. Check the setup guide for your AI before connecting.

Lumen for personal use is available to adults aged 18 or older who live in the United States. You will need a supported financial institution and a compatible AI app. The Business pilot is coming soon.

No. Lumen has no ability to move money, pay bills or make trades. You choose which accounts to share and can disconnect an AI at any time. Depending on your plan and the permissions you approve, your AI can help organize transaction categories and labels or request a bank-data refresh. Those actions cannot move money. Explore security and control.

No. You connect through Quiltt’s financial-data connection flow, rather than giving your bank credentials to Lumen or entering them into an AI chat. Quiltt and its data providers handle the connection to your bank. Learn more about the connection and its safeguards.

Yes. Choose the accounts you share when you connect a bank. All AI apps you approve use that same shared set of accounts; Lumen does not offer a different account selection for each AI. You can manage your bank connections and revoke individual AI apps from your profile.

Lumen queries balances and transactions through Quiltt when needed rather than storing them in Lumen’s database. Lumen never receives your bank username or password. The financial information your AI requests is shared with that AI provider and may appear in your conversation. That provider’s policies and settings govern what it retains. Review the privacy policy and your AI’s settings before connecting.

Lumen does not sell your data or use it for advertising. Financial-data providers have their own policies, including uses of deidentified, aggregated information. What your chosen AI retains or uses depends on that provider’s policies and your settings; Lumen cannot override them. Review those settings and the privacy policy before connecting.

Lumen keeps information needed to run your account, including connection identifiers, AI approvals, subscription status, and usage and security records. If you add your own transaction categories or labels, those choices are saved. Recent financial results may be held briefly in server memory for follow-up questions. The privacy policy explains retention and deletion in detail.

Revoking an AI app stops its access on its next request. Disconnecting an institution removes that connection from Lumen. Neither action erases information an AI has already received or removes past chats; manage those with your AI provider. Your profile also has separate options to delete your Lumen data or account. See your privacy controls.

One connection, meaning one bank login, is free with 200 tool calls per day. Personal is $10/month plus applicable tax, with more than one connection, custom categories and labels, and bank-data refreshes on request. Personal includes unlimited connections and tool calls during beta. Your AI provider’s own fees and limits still apply. Compare the plans.

A connection is one bank login. That login can include checking, savings, credit cards and other accounts. A tool call is a request your AI sends to Lumen, such as retrieving financial information. One question can require several tool calls. The Free plan includes 200 tool calls per day; Personal has unlimited tool calls during beta.

Personal’s unlimited bank connections and tool calls are part of the current beta offer. We will give advance notice if those limits change. The Free plan’s allowance is 200 tool calls per day. Your AI provider may set separate usage limits.

Yes. Cancel anytime through your account’s billing controls. Review the billing screen for your renewal date and subscription details. After Personal ends, your AI keeps access while you have one connection; with more than one, disconnect down to one or subscribe again. If you need help, contact support. To stop an AI’s access, revoke that AI connection separately from your profile.

Lumen for personal use is available now. The Business pilot is coming soon, with access for multiple team members and up to 10 official bank statement PDFs a month planned. Availability of statements will depend on your financial institution. Pricing will be announced with the pilot. To express interest, email the team to join the waitlist.

We are building toward questions like “Which costs increased?” and “What needs attention before I meet my bookkeeper?” The Business pilot is intended to bring financial context, statement retrieval, and authenticated team access into that workflow. These are pilot plans, rather than a promise that every workflow shown in a demo is available today.

That is a workflow we want to support: compare bank transactions with receipt evidence and prepare a clearer handoff to your bookkeeper. Reading email would require a separate email connector you approve; Lumen itself does not provide inbox access. Matching, filing and any follow-up actions depend on those services and your permissions, with exceptions still needing human review.

Authenticated access for multiple team members is planned for the Business pilot. The aim is to let an owner and bookkeeper work with the business’s financial context without sharing a personal login. Team roles, access details, and pilot availability will be confirmed before launch. Lumen does not replace your accounting system or your bookkeeper’s review.

Lumen requests data from its financial-data provider when needed, but that does not mean every bank has updated it at that moment. Refresh timing, transaction history, pending items, and account details vary by institution. Check the period and accounts used in an answer, and use your bank’s records when you need an official or up-to-the-minute figure.

Your AI writes the answer; Lumen provides the financial information it requests. AI can make mistakes or use an incomplete period or selection of accounts. Ask it to show the underlying transactions and assumptions, then compare important figures with your bank. Lumen’s answers are informational, not professional financial, tax or accounting advice.

The demos use sample data and illustrate both current capabilities and the direction of the product. The Business pilot, integrated budgeting, and embedded visual experiences are being developed. Use the plan comparison for the current personal offering, and ask us about a particular workflow before relying on it.

Email support@lumenmoney.io. Tell us which AI and institution you use, what you expected, and what happened. Please leave out passwords, account numbers, and other sensitive financial details. We also want to hear about the questions and workflows you wish Lumen could help with.