How it works

1. Connect your accounts

Truenote reads banks through Plaid: checking, savings, credit cards, loans, mortgages and brokerage accounts, from most US institutions. You sign in at your bank inside Plaid Link; Truenote receives a read-only access token and seals it with AES-256-GCM before storing it. It asks Plaid only for balances, transactions, investments, liabilities and recurring payments. There is no transfer, payment or "auth" product in the integration, so nothing can move money.

Balances are snapshotted daily, which is where net worth history comes from. New transactions arrive by webhook within minutes of posting. Accounts you never use are hidden automatically after a sync (you can show them again); anything Plaid can't reach, like a house or a car, goes in as a manual account with dated balances.

2. Add the context

An account can't tell an AI that a deposit is 1099 income with 30% to set aside, that a Lowe's charge was for a business, or that a baby is due in March. Truenote keeps that as structured rows, not free text:

• The spending plan: regular take-home split into groups (Expenses, Wants, Save and invest) with a share each, and lines with an amount and cadence.
• Buckets: a virtual split of one savings account (Emergencies, Vacations, the car), each with its own ledger and an optional target. Deposits are split by what each bucket is due; spending is charged to a bucket by rules you approved.
• Goals, income sources, entities: what you're saving for; each W-2 and 1099 source with its figures; the businesses whose money is reported apart from the household's.
• Taxes: a yearly federal projection from both W-2s, self-employed income, bonuses and estimated payments, with the extra withholding per paycheck that breaks even. Upload a paystub and the figures come from it.
• Notes and plans: dated facts and decisions, and scenarios an agent writes for you to review.

Every one of these has an agent tool too, so you can add context by talking: "remember that we want to refinance below 5%" becomes a note with a tag.

3. Connect an agent

Truenote is an MCP server at https://app.usetruenote.com/mcp and a REST API under https://app.usetruenote.com/v1. Agents connect with OAuth 2.1 (they discover everything from the URL) or a personal access token you make for scripts.

• Claude: Settings → Connectors → Add custom connector, paste the URL.
• ChatGPT: Settings → Apps → developer mode → Create app, paste the URL.
• Claude Code: claude mcp add --transport http truenote https://app.usetruenote.com/mcp.
• Scripts and the API: a bearer token and an OpenAPI spec.

Each connection is a grant: which kinds of data it may read (accounts, transactions, investments, liabilities, context, documents), which accounts or businesses it must never see, and whether it may write. New connections start read-only; the first time an agent wants to write, it asks and you approve again.

4. Read the receipts

Every call is written to an append-only audit log before the agent gets its answer: the agent, the tool or route, a summary of what it asked, how many rows came back, and whether it was refused. It's on the Connected agents page as Activity. Revoke cuts an agent off on its next call.

What Truenote is not

• Not a chat app. There's no built-in AI; you bring the one you already pay for, and switch whenever a better one comes along.
• Not a way to move money. It can't pay a bill, make a transfer or trade.
• Not advice. It reports and projects; what you do with it is yours. (Not advice.)

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