How it works

Connect once. Ask from anywhere.

01
Connect your accounts.
Link your bank through Plaid, or upload a statement for an account Plaid can't reach. Fineants keeps the books current.
02
Make a key for your agent.
Read-only, or read and write. Each agent gets its own key or OAuth connection, and you can turn any one off in Settings.
03
Just ask.
“What’s due this week?” Your agent answers from your real numbers, not a guess.

The ledger

Everything your agent needs to know about your money.

Accounts and balances

Banks, cards, cash, loans, and brokerages, plus accounts you add by hand.

Grouped by institution, with net worth and an asset and liability summary.
Personal and business books. Hidden accounts stay out of the totals.
Closed accounts keep their history.

Agents can. List accounts, list balance history, and add a manual account.

Bills and recurring

Never get surprised by a due date. Your agent sees every bill and who covers it.

Upcoming bills and recurring items.
Mark a cycle paid. That records the cycle. It does not send a payment.
Payers and tags on the items you track.

Agents can. List upcoming bills, list recurring items, and mark a cycle paid.

Cards and rewards

Know which card to reach for. Rewards, APR, and fees, ready for your agent to compare.

Limit, APR, due date, annual fee, and points.
Reward rules and shared points groups.
Authorized users, and a wishlist.

Agents can. Read card terms, reward rules, and the wishlist.

Vehicles, loans, and other hard assets

Your net worth includes what isn't in a bank: the car with its lease, the house with its mortgage.

A vehicle profile, appraisal history, and documents.
An optional link from a vehicle to its loan or lease.
Real estate and other assets, with quantity and purchase lots.

Agents can. List vehicles and appraisals, and list loans.

Crypto cost basis

A personal-book lot ledger. Worksheets, not a tax filing.

Lots, cost-basis methods, and an uncovered-lot queue.
Transfers stay transfers. They are not booked as sales.
Gains, lots, and activity worksheets you can export.

Agents can. List uncovered lots, set a lot's basis, and export a gains worksheet.

Asset	Acquired	Qty	Basis
SAMPLE	Jan 2024	1	$1,000
EXAMPLE	Jun 2024	2	$500

Statement uploads

For the account Plaid can't reach. You review the rows before anything is saved.

CSV, PDF text, or a screenshot.
You confirm the parsed rows.
Only rows that are not already in the ledger are inserted.

Agents can. Preview a statement upload, then confirm it.

See the full feature tour

Agents

Paste one block of config. That’s the whole setup.

Placeholder config

{
  "mcpServers": {
    "fineants": {
      "url": "https://fineants.io/api/mcp",
      "headers": {
        "Authorization": "Bearer fin_live_••••"
      }
    }
  }
}

No send-money, transfers, ACH, or trading.
Keys are per user, read or read and write, and revocable.
The other site routes need a signed-in browser. This is not a public REST API.

How to connect an agent

Security

Agents can read. They can’t move a dollar.

Every record is isolated per user
A signed-in user, a key, or an OAuth token reaches only that user's rows.
Agents can't move money
No send, no transfer, no trade. Writes stay inside the ledger.
Tokens encrypted, keys hashed
Plaid access tokens stay on the server. API keys are stored as hashes.
Demo mode for a shared screen
Turn it on when you want the app open without showing real figures.

Agents can

Read balances
List bills
Mark a bill paid
Update card terms

Agents can’t

Send money
Transfer
Trade
Pay a bill

Shaped by its users

Tell us what’s missing.

Once you are in the app, Request a feature sits in the header. You can see the status of your own requests, including when one has shipped. Agents pick the requests up and build them quickly.

Waitlist

Get on the list for early access.

Sign-up opens once Fineants is ready for your real accounts. Leave your email and you’ll hear from us first.