Fintech platform Fi Money has introduced its MCP (Miniature Custom Protocol) Server, a breakthrough infrastructure designed to enable AI assistants to interact seamlessly with users' personal financial data. The launch marks a significant step in making finance more intelligent, intuitive, and accessible.

The new protocol acts as a secure intermediary between financial systems and generative AI platforms such as OpenAI’s GPT, Google’s Gemini, and Anthropic’s Claude. With this move, Fi Money aims to facilitate personalized financial experiences, enabling AI to answer nuanced financial queries — from “What is my monthly burn?” to “Can I afford to go on a vacation next month?”

Transforming Finance with Agentic AI

MCP Server was built to support the rising trend of "agentic AI," where systems proactively take on tasks on behalf of users. Instead of just providing static summaries, these assistants can simulate financial planning and offer tailored insights based on spending habits, account balances, and historical data.

Users can grant secure and revocable access to their financial data via the MCP Server, which then streams structured financial information to the AI model. This method ensures users maintain control over their privacy and permissions while leveraging the convenience of AI.

Privacy-First Approach

Fi Money emphasized that the new architecture is privacy-by-design. The system is fully opt-in, and data sharing is done only upon explicit user consent. Importantly, MCP Server does not store any information — it simply acts as a conduit, allowing AI models to "read" from a live, encrypted stream of personal finance data.

This design addresses growing concerns over data safety and reinforces trust in AI-led financial tools. According to Fi Money, even the AI models themselves will not retain data, as the information is ephemeral and session-based.

Toward Smarter Financial Interactions

As AI assistants become more embedded in everyday life, enabling them to understand and manage personal finances responsibly is a key milestone. The MCP Server is expected to unlock a new layer of personalization in the fintech ecosystem, helping users manage savings, budgets, and financial goals more effectively.

This innovation comes at a time when the intersection of fintech and AI is rapidly evolving. With solutions like MCP Server, Fi Money positions itself at the forefront of this transformation — building a future where intelligent agents can manage financial health in real time, with accuracy, context, and empathy.