Ask your AI about your net worth

On Moflow+, the AI app you connect answers questions about your net worth from your Moflow ledger. It updates that ledger when you ask, and through Moflow it cannot trade or move money.

Moflow keeps your accounts, at the bank, at the brokerage and across currencies, in one private ledger, totalled in your currency. What it all comes to, or how much of the cash is idle, becomes a sentence you type instead of an evening with statements.

Questions for your AI about your net worth

Moflow supplies no AI — you connect your own. You keep asking in the app you chat in today, in plain words. Moflow gives it your ledger to read, and to write to when you ask.

The ledger already holds the totals, in the accounts' own currencies and in yours, so your AI reads them there. Questions like these:

• How much of my cash is idle?
• How has my net worth changed over the last six months?
• Which accounts hold euros, and what are they worth in dollars?
• Close out last month: read me the rows, then confirm it.

Your AI reads the same ledger you keep in Moflow, with the accounts, balances and snapshots you see on your own screen.

What it can see

• Your net worth, and the totals behind it.
• Accounts and balances, in their own currency and in your display currency.
• Holdings, with their prices, cost and lots.
• Same-currency transfers in your ledger, and whether each is planned, in transit or cleared.
• Monthly snapshots and trends.
• Connected accounts, with the institution and the time their prices are from.
• Goals, with the amount and the date to reach each one.
• Your target mix, and how far each asset class sits above or below it.
• Your yearly income, monthly burn rate, net savings and savings rate.

What it can change, when you ask

• A balance, or an investment account's cash.
• Accounts: add one.
• Account details: edit the name, category, target balance, yield, growth or safety net.
• Holdings: add or close one, and correct its lots.
• Same-currency transfers in your ledger, from planned to in transit to cleared.
• The month: capture it, confirm it.
• Goals: add one, change one, or delete one.
• Your target mix across asset classes.
• Your yearly income and monthly burn rate.

Every one of these is a change to your ledger. A transfer here is a record you keep in Moflow, never money moving at your bank, and a confirmed month cannot be rewritten. Editing an account, a goal, the target mix, or your income and burn rate moves no money.

Changes follow the app's own rules. A change that breaks one is refused, and nothing is saved. Your AI app may ask you to approve a change first; that setting is its own.

What your AI cannot do through Moflow

• Through Moflow, it cannot trade, place an order, or move money at a bank or broker.
• It cannot change a connected account's holdings or prices. Those come from the brokerage.
• Moflow never receives your broker sign-in details, so it has none to pass on.

Your AI, your say

When you add Moflow in your AI app, the app sends you to Moflow. You sign in or create an account, and a screen names your AI and asks you to allow it. It lists what your AI may read and what it may write. Until you select Allow, nothing is connected.

Disconnect it anytime in Settings › AI assistant. It loses access to your ledger straight away.

Who sees your ledger: you, the AI you connect, and Moflow to run the service. Once your AI reads something, its provider's privacy notice covers what it keeps. On Moflow's side, your ledger is encrypted in transit and at rest and used only to serve you. The privacy notice has the rest.

Where it works

Access works on Moflow+. On Free, the connection saves and waits.

Moflow+ is also the plan that connects a supported brokerage. What your AI reads from a connected account is what the brokerage last reported.

Not every AI app can connect. Where one can, its own plan and workspace settings may decide whether your account can add Moflow. The steps are on Connect your AI, and the AI connector page shows the rest.