ClearCash gives AI assistants read-only access to your financial data. Your AI can answer questions about your money, but it cannot make any changes.
What your AI can read
| Data | Details |
|---|---|
| Institutions | Connected banks and brokerages |
| Accounts | Balances, types, and sharing metadata |
| Transactions | Up to 365 days of history |
| Spending summaries | Time-series income, spending, and cash flow |
| Category breakdowns | Spending by category per period |
| Merchant breakdowns | Spending by merchant per period |
| Net worth | Current snapshot and historical trend |
| Properties | Real estate, vehicles, and other assets |
| Loans | Rate, term, and payment schedule |
| Groups | Shared finance groups and member splits |
All data is scoped to your account only. Your AI cannot see data belonging to other ClearCash users, even members of your shared groups.
What your AI cannot do
Your AI has no write access of any kind. It cannot:
- Transfer or move money
- Edit accounts or transactions
- Change your ClearCash settings
- Connect new banks or institutions
- Share your data with third parties
- Store or retain your data beyond the current conversation
Your financial data is only retrieved when you actively ask a question that requires it. Nothing is shared in the background between conversations.
Available tools
These are the specific tools your AI assistant has access to. Each tool is read-only and requires an active ClearCash subscription.
| Tool | Description |
|---|---|
get_user_context |
User profile, subscription tier, and environment metadata |
list_institutions |
Connected banks and brokerages |
list_financial_accounts |
Account balances, types, and sharing metadata |
list_financial_account_types |
Reference catalog of supported account types |
list_transactions |
Transactions within a date range (up to 365 days) |
get_transaction_aggregates |
Time-series income, spending, and cash flow aggregates |
get_category_breakdown_aggregates |
Spending by category and merchant per period |
get_merchant_breakdown_aggregates |
Spending by merchant per period |
list_properties |
Real estate, vehicles, and other property assets |
list_loans |
Loan details including rate, term, and payment schedule |
list_groups |
Shared finance groups (partners, household) |
list_group_members |
Members, roles, and split percentages within a group |
get_net_worth_snapshot |
Point-in-time net worth breakdown by asset and liability |
get_net_worth_history |
Net worth trend over a date range |
Transport: Streamable HTTP · Auth: OAuth 2.1 with PKCE
Frequently Asked Questions
Can my AI see my partner’s transactions?
Your AI can only see data that belongs to your account. For shared groups, it can see the group’s overall data (such as combined spending) but access is still gated to what your own account has visibility over — the same as what you see in the app.
Is my transaction data sent to the AI provider?
Your financial data is fetched from ClearCash and sent to your AI tool only when you ask a question that requires it — for example, “what did I spend on dining last month?” The data is used solely to answer that question within the current conversation. ClearCash does not store or log the content of your AI conversations.
How current is the data my AI can see?
Account balances and transactions reflect the last time your accounts were synced via Plaid. Manual accounts and transactions are always current. Your AI cannot trigger a sync — syncing happens through the ClearCash app.
What is MCP?
Model Context Protocol (MCP) is an open standard that lets AI assistants securely connect to external data sources. It works similarly to how apps connect with OAuth — you grant access once, and the AI retrieves relevant data when you ask for it. ClearCash uses MCP’s Streamable HTTP transport with OAuth 2.1 for authentication.