We never see your password
You log in directly with your bank. Your credentials never pass through Lumen at any step.
The Lumen difference
Read-only. Reversible. Yours.
Lumen cannot move your money. The connection is read-only by design. Disconnect anytime, from one screen.
Your institutions
What Lumen can read
- Balances
- Transactions
- Account names
Read only
The hard boundary
Answers can come out. Actions cannot go back in.
Blocked in the architecture
What Lumen cannot do
- Transfers
- Payments
- Account changes
Your AI receives only the financial context needed to answer your question—never permission to act.
Nothing is saved on our servers
No balances. No transactions. Every question pulls fresh from your bank in real time.
Disconnect anytime
One click in your dashboard cuts off access instantly. No emails, no phone calls.
Bank-grade security
Connections run through Quiltt, the same secure pipeline hundreds of fintechs trust.
Lumen has no plans to add the ability to move or change money. If that ever changes, you'll have to opt in first.
Commitment last updated MAY 2026
A clearer answer is closer than you think
Bring your finances into the conversation.
Private by design, useful from the first question, and always under your control.
Try Lumen