Fi.Money, a money management platform based in India, has launched what it says is the first consumer-facing implementation of a model context protocol (MCP) for personal finance.
Fi MCP is designed to bring together users’ complete financial lives, including bank accounts, mutual funds, loans, insurance, EPF, real estate, gold, and more seamlessly into AI assistants of their choice, the company said in a statement.
Users can choose to share this consolidated data with any AI tool, enabling private, intelligent conversations about their money, fully on their terms, it added.
Until now, users have had to stitch together insights from various finance apps, statements, and spreadsheets. When turning to AI tools like ChatGPT or Gemini for advice, they’ve relied on manual inputs, guesswork, or generic prompts.
There was no structured, secure, consent-driven way to help AI understand your actual financial data without sharing screenshots or uploading statements and reports.
The company said that with Fi’s new MCP feature, users can see their entire financial life in a single, unified view.
This data can be privately exported in an AI-readable format or configured for near-real-time syncing with AI assistants.
Once connected, users can ask personal, data-specific questions such as, “Can I afford a six-month career break?” or “What are the mistakes in my portfolio?” and receive context-aware responses based on their actual financial information.
As per the statement, the launch comes at a time when Indian consumers are increasingly seeking digital-first, integrated financial tools. Building on India’s pioneering digital infrastructure, Fi’s MCP represents the next layer of consumer-facing innovation, one that empowers consumers to activate their own data.
Fi Money is the first in the world to let individuals use AI meaningfully with their own money, the company claimed. While most AIs lack context about one’s finances, Fi’s MCP changes that by giving users an AI that actually understands their money.
The Fi MCP is available to all Fi Money users. Any user can download the Fi Money app, consolidate their finances in a few minutes, and start using their data with their preferred AI assistant.
“This is the first time any personal finance app globally has enabled users to securely connect their actual financial data with tools like ChatGPT, Gemini, or Claude,” Sujith Narayanan, co-founder of Fi.Money, said in the statement.
“With MCP, we’re giving users not just a dashboard, but a secure bridge between their financial data and the AI tools they trust. It’s about helping people ask better questions and get smarter answers about their money,” he added.
