The financial operating system
for you and your agents
Moat holds the accounts on a server you run. Your agent reads them over your own MCP server, starts from a prompt, and leaves a report.
Not a chatbot · Self-hosted MCP · You choose what it can see · Read-only bank connections
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 you host.
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.
Connect. Ask. Keep it.
Claude, ChatGPT, Cursor, or Gemini connect over MCP. Through an endpoint on your self-hosted server. You choose what it can read and write. The conversation stays with your assistant.
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.
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.
Connect inside the app
- Run Moat with Docker or Vercel + Neon
- Add accounts by hand, import CSVs, or bring your own Plaid keys
- Open AI Access, create a scoped token, and connect your assistant
Read the self-hosting guide for MCP setup with Claude, ChatGPT, and Cursor.
Ask about your real money.
Your assistant does the talking. The report stays in Moat, on your server.