What is AI-native personal finance?

An AI-native app treats AI as one of the ways you use it, not an extra screen. Your accounts, spending and goals are kept in a form an assistant can read accurately, permissions are part of the design, and a change an assistant suggests waits for your approval by default.

It does not mean the AI makes decisions for you. You choose what goes into the app, what an assistant may see or do, and what happens with your money.

Some apps add a chat window that answers questions inside the app. An AI-native app is also designed to work with assistants outside it, through an open standard such as the Model Context Protocol (MCP), so you can ask about your money in the assistant you already use.

Agent-native is how an AI-native app works with AI assistants, which are sometimes called agents. In Finsplore that is Finsplore Connect, coming soon: an assistant such as ChatGPT, Gemini, Perplexity, Copilot or Claude, or any app that supports MCP, will be able to read your Finsplore data and suggest changes to Finsplore's own records.

You choose what each assistant may do, a change it suggests waits for your approval by default, and you can disconnect an assistant at any time.

• Today: import your bank statements and see your accounts, spending, net worth, goals and plans in one clear view.
• Coming soon: Ask Finsplore, the assistant inside Finsplore, will answer questions about your own numbers in plain English.
• Coming soon: Finsplore Connect, for ChatGPT, Gemini, Perplexity, Copilot, Claude or any MCP assistant, with changes waiting for your approval.
• Planned for a later release: direct bank connections through open banking (the Consumer Data Right).
• Made in Melbourne, and free during early access.

• Move money, make payments or change anything at your bank. Finsplore is read-only.
• Give financial advice or recommend financial products. It shows general information about your own numbers.
• Make decisions for you. What to do about your money stays with you.
• Let an assistant go beyond the permissions you give it. Moving money and making payments are not available to assistants at all.

Once your data reaches an assistant it is handled under that company's terms and may be stored outside Australia, so check the assistant's own privacy settings before you connect it.