How to give AI access to your finances safely

No legitimate money tool needs your bank password typed into a chat. A one-time code from your bank is proof that you are you, and anyone who has it can act as you for that moment. The same goes for full card numbers and the answers to security questions. If a chat, a browser extension or a “helper” asks for any of them, stop there.

A bank connection done properly never shows your login to the app either. In Brixa, you sign in with your bank through Plaid in the US and Canada, or on your bank’s own page through Enable Banking in Europe, and Brixa never sees or stores the password.

The safe pattern is one you have likely used already, called OAuth. You sign in on the service’s own website, see what the other app is asking for, and approve it. The other app then gets a key that allows only that, which expires and renews on its own and can be revoked without changing your password.

That is how the Brixa connector works. You add https://usebrixa.com/api/mcp in ChatGPT or Claude, a usebrixa.com page asks you to sign in, and the assistant receives access that can only read your Brixa. It cannot change anything in Brixa, and nothing in Brixa can move money.

A statement looks harmless, but it usually carries your full name, address and account number, and the name of every person and business you paid. Once uploaded, all of that sits in your chat history under the AI provider’s rules, for a question that may have needed one number. It is also a snapshot: one account, already out of date, with no categories.

If you do share a document, remove account numbers and your address first, and share only the months you are asking about. A connector that looks up just the figures a question needs leaves far less behind.

A good sign-in page says plainly what will be shared before you allow it. Brixa’s says the assistant will see your transactions, spending, budgets, goals, subscriptions and balances, including the names of people you pay, and that it cannot change anything or move money.

If there is an account you would rather keep out, an account you share with someone for example, exclude it in Brixa before you connect. Check who is asking, too: Brixa’s page names the assistant from the address it will send you back to, such as claude.ai or chatgpt.com, not from the name an app gives itself.

What the assistant reads from Brixa becomes part of that conversation, and the conversation is kept under your AI provider’s terms: OpenAI’s for ChatGPT, Anthropic’s for Claude. Before you connect anything financial, look at your assistant’s data controls, such as whether your chats can be used to improve its models and what happens when you delete one. If you would rather not keep a conversation about money, delete it.

Access you cannot find is access you forget about. In Brixa, every assistant you connected is listed under Settings, Connected AI, at usebrixa.com/app/settings, with when it was last used. Disconnect stops it at once. You can also remove Brixa from the assistant’s own list of connectors. Look at that list now and then, and disconnect anything you no longer use.

Copy a connector’s address from the company’s own website, not from a forum post or an ad. Brixa’s is https://usebrixa.com/api/mcp, and its sign-in page is always on usebrixa.com. A connector that asks for your password inside the chat, or signs you in on a site you do not recognize, is a reason to stop.

Read-only access protects your money, not the quality of an answer, and assistants can misread a question. Brixa does the arithmetic itself and tells the assistant which dates each figure covers, but check numbers that matter in the app, treat projections as what-ifs, and take investment and tax decisions to a professional. For the questions that work best, see how to chat with your finances using AI.