How it works

Your financial context.
In the AI you already use.

Connect your accounts once. Ask better questions, explore the answers, and spend less time gathering the information yourself.

Personal available nowBusiness pilot coming soon

How it works

Your accounts. Your AI. Connected.

Explore more use cases

Explore use cases

What if your AI had the full financial picture?

Pick a scenario on the left to see some of the possibilities.

Use case

Spending & budgeting. Personal demonstration. You ask: Using Lumen, how much did I spend eating out last month? Claude answers: Eating out totaled $310 across eight charges last month. You ask: Show the total for each restaurant. Claude answers: Three restaurants account for the $310: Oak & Olive $128, Green Bowl $96 and Corner Café $86. You ask: What is a year at $25 a week compared with twelve months at $310 a month? Claude answers: $25 for 52 weeks is $1,300. Twelve months at $310 is $3,720, a difference of $2,420. These are two assumed spending amounts. You ask: Using the same $25 a week, compare the first three complete weeks of this month. Claude answers: Those three weeks total $250: $82, $94 and $74. Your $25 weekly amount totals $75 across three weeks, so recorded spending was $175 higher.Financial account access is read-only and cannot move money. Your bank password is never shared with Lumen.

Your question, connected

Back to your AI

Ready to answer your question with your account data.

Phone

Read-only access. No money movement.

Your AI → Lumen → Quiltt → Your banks

I barely remember going out last month.

Where was that?

I want to compare that with $25 a week.

Let me check the weeks that have actually happened.

Week two was $94. I'll look at those charges before I change the number in my own notes.

You

9:41

Claude•••

Today

Using Lumen, how much did I spend eating out last month?Using Lumen, how much did I spend eating out last month?

Sent

Claude

aggregate_transactions

Eating out · Last month

Eating out totaled $310 across eight charges last month.

Show the total for each restaurant.

Sent

Claude

aggregate_transactions

Eating out · By restaurant

Three restaurants account for the $310:

Oak & Olive$128

Green Bowl$96

Corner Café$86

Total$310

What is a year at $25 a week compared with twelve months at $310 a month?

Sent

Claude

A difference of $2,420.

$25 a week, 52 weeks$1,300

$310 a month, 12 months$3,720

Two assumed spending amounts.

Using the same $25 a week, compare the first three complete weeks of this month.

Sent

Claude

aggregate_transactions

Eating out · By week

Those three weeks total $250: $82, $94 and $74. Your $25 weekly amount totals $75 across three weeks, so recorded spending was $175 higher.

This monthBy week

Eating out $25/week

Actual$25 a week

Week 1$82/$25

Week 2$94/$25

Week 3$74/$25

$175 over $25 a week so far

Reply to Claude

QWERTYUIOP

ASDFGHJKL

ZXCVBNM

123spacereturn

Your AI

ChatGPT

Claude

Perplexity

+ any MCP-compatible AI

Lumen

Read-only
bank access

Account connectivity

Trusted by fintech teams

Financial institutionsYour banks

Chase

Bank of
America

And more

+ thousands of financial institutions

Your bank login stays private
Lumen never receives your bank username or password.
Financial data on demand
Balances and transactions are queried when you ask, never stored in Lumen’s database.
Read-only bank access
No ability to move money, pay bills, or make trades.
You control access
Choose which accounts to share. Disconnect an AI whenever you want.

Getting started

One connection to your financial context.

You stay in your chosen AI app. Lumen makes the connection to your financial information behind the scenes.

Connect the accounts you choose

Create your Lumen account, then link your financial accounts through Quiltt. Your bank login is handled in that connection flow and never reaches Lumen.

Manage financial connections

Add Lumen to your AI

Choose your AI app in Lumen’s setup guide. Follow the instructions for that app, then review and approve the access it requests. You can connect more than one AI.

Open the AI setup guide

Ask a question. Then go deeper.

Start with something you want to understand or get done. Your AI can use your financial context, answer follow-up questions, and help turn the answer into a practical next step.

Get answers before you start

What does MCP mean?

MCP is a connection standard that lets AI apps work with other services. Lumen uses it to connect your AI to financial information. You don't need to write code to use Lumen.

Explore AI connection questions

Connected, with clear boundaries

Lumen has no ability to move money, pay bills, or make trades. You choose the accounts you share and approve the AI apps that can access them.

Explore security & control

Financial connection and AI setup links open your Lumen account. New here? Sign up today.

Make your first connection useful.

Explore the guides

Use Lumen with Claude

Connection steps, permissions and a first useful question.

Use Lumen with ChatGPT

Compare the available routes and choose the one that fits.

Understand a spending change

Follow the total back to the accounts and transactions.

Your finances. Your AI.

Connect your accounts for clearer answers, practical plans, and less financial busywork.

1 connection free (one bank login).
More than one connection for $10/month plus applicable tax.

Explore pricing

How it works

Your financial context.
In the AI you already use.

Connect your accounts once. Ask better questions, explore the answers, and spend less time gathering the information yourself.

Personal available nowBusiness pilot coming soon

How it works

Your accounts. Your AI. Connected.

Explore more use cases

Explore use cases

What if your AI had the full financial picture?

Pick a scenario on the left to see some of the possibilities.

Use case

Your question, connected

Back to your AI

Ready to answer your question with your account data.

Phone

Read-only access. No money movement.

Your AI → Lumen → Quiltt → Your banks

I barely remember going out last month.

Where was that?

I want to compare that with $25 a week.

Let me check the weeks that have actually happened.

Week two was $94. I'll look at those charges before I change the number in my own notes.

You

9:41

Claude•••

Today

Using Lumen, how much did I spend eating out last month?Using Lumen, how much did I spend eating out last month?

Sent

Claude

aggregate_transactions

Eating out · Last month

Eating out totaled $310 across eight charges last month.

Show the total for each restaurant.

Sent

Claude

aggregate_transactions

Eating out · By restaurant

Three restaurants account for the $310:

Oak & Olive$128

Green Bowl$96

Corner Café$86

Total$310

What is a year at $25 a week compared with twelve months at $310 a month?

Sent

Claude

A difference of $2,420.

$25 a week, 52 weeks$1,300

$310 a month, 12 months$3,720

Two assumed spending amounts.

Using the same $25 a week, compare the first three complete weeks of this month.

Sent

Claude

aggregate_transactions

Eating out · By week

Those three weeks total $250: $82, $94 and $74. Your $25 weekly amount totals $75 across three weeks, so recorded spending was $175 higher.

This monthBy week

Eating out $25/week

Actual$25 a week

Week 1$82/$25

Week 2$94/$25

Week 3$74/$25

$175 over $25 a week so far

Reply to Claude

QWERTYUIOP

ASDFGHJKL

ZXCVBNM

123spacereturn

Your AI

ChatGPT

Claude

Perplexity

+ any MCP-compatible AI

Lumen

Read-only
bank access

Account connectivity

Trusted by fintech teams

Financial institutionsYour banks

Chase

Bank of
America

And more

+ thousands of financial institutions

Your bank login stays private
Lumen never receives your bank username or password.
Financial data on demand
Balances and transactions are queried when you ask, never stored in Lumen’s database.
Read-only bank access
No ability to move money, pay bills, or make trades.
You control access
Choose which accounts to share. Disconnect an AI whenever you want.

Getting started

One connection to your financial context.

You stay in your chosen AI app. Lumen makes the connection to your financial information behind the scenes.

Connect the accounts you choose

Create your Lumen account, then link your financial accounts through Quiltt. Your bank login is handled in that connection flow and never reaches Lumen.

Manage financial connections

Add Lumen to your AI

Choose your AI app in Lumen’s setup guide. Follow the instructions for that app, then review and approve the access it requests. You can connect more than one AI.

Open the AI setup guide

Ask a question. Then go deeper.

Start with something you want to understand or get done. Your AI can use your financial context, answer follow-up questions, and help turn the answer into a practical next step.

Get answers before you start

What does MCP mean?

MCP is a connection standard that lets AI apps work with other services. Lumen uses it to connect your AI to financial information. You don't need to write code to use Lumen.

Explore AI connection questions

Connected, with clear boundaries

Lumen has no ability to move money, pay bills, or make trades. You choose the accounts you share and approve the AI apps that can access them.

Explore security & control

Financial connection and AI setup links open your Lumen account. New here? Sign up today.

Make your first connection useful.

Explore the guides

Use Lumen with Claude

Connection steps, permissions and a first useful question.

Use Lumen with ChatGPT

Compare the available routes and choose the one that fits.

Understand a spending change

Follow the total back to the accounts and transactions.

Your finances. Your AI.

Connect your accounts for clearer answers, practical plans, and less financial busywork.

1 connection free (one bank login).
More than one connection for $10/month plus applicable tax.

Explore pricing

Your bank login stays private

Financial data on demand

Read-only bank access

You control access

One connection to your financial context.

Connect the accounts you choose

Add Lumen to your AI

Ask a question. Then go deeper.

What does MCP mean?

Connected, with clear boundaries

Make your first connection useful.

Use Lumen with Claude

Use Lumen with ChatGPT

Understand a spending change

Start with the questionthat matters to you.

Your bank login stays private

Financial data on demand

Read-only bank access

You control access

One connection to your financial context.

Connect the accounts you choose

Add Lumen to your AI

Ask a question. Then go deeper.

What does MCP mean?

Connected, with clear boundaries

Make your first connection useful.

Use Lumen with Claude

Use Lumen with ChatGPT

Understand a spending change

Start with the questionthat matters to you.

Start with the question
that matters to you.

Start with the question
that matters to you.