AI AGENTS

The financial operating system
for you and your agents

Moat holds the accounts. Your agent reads them over MCP, starts from a prompt, and leaves a report.

Get started for free 30-day free trial — then pay only for accounts you sync

Not a chatbot · You choose what it can see · Read-only bank connections

AI ASSISTANT INTEGRATION

Give your agent
real financial context

Most AI financial advice is generic because the agent does not know your real financial life. Moat Finance changes that.

Moat Finance organizes your accounts, transactions, budgets, investments, insurance, debt, goals, and forecasts into a financial profile your personal AI assistant can securely query through an MCP server.

Ask your agent:

?"Can I afford to buy a house next year?"

?"Am I saving enough for retirement?"

?"Which subscriptions should I cancel?"

?"Should I choose the HSA plan or the lower-deductible PPO?"

?"How much cash should I keep with my income volatility?"

?"What will my net worth look like in 10 years if I increase retirement contributions by 3%?"

?"What tax categories should I review before filing?"

Smart assistant. Empty picture.

It can reason. It cannot see your accounts.

Give it the books.

An MCP server for the connection. A prompt library for the question. A report that stays after the chat.

Moat gives it the data. It gives you the answer.

THREE PIECES

Connect. Ask. Keep it.

MCP server

Claude, ChatGPT, Cursor, or Gemini connect over MCP. Cloud from the web app, or a local server on the desktop app. You choose what it can read and write. The conversation stays with your assistant.

AI-generated reports

Ask your agent for a financial report. Charts, tables, and the numbers behind a decision show up in Moat. The chat can end. The report stays. Share a link, or revoke it.

Prompt library

Start from a prompt that already tells the agent which Moat tools to use. Curated prompts, ones you write, and community prompts Moat reviews. Copy one in, or open it in Claude.

From the library:

?Where should I cut spending?

?Do I have a strong enough emergency fund?

?Could I retire sooner?

?What could break my plan?

SETUP

Connect inside the app

Create an account
Connect your accounts
Open AI Access and connect your assistant

Ask about your real money.

Your assistant does the talking. The report stays in Moat.