Your bank data,
ready for your AI.
Connect High Street banks and your Calmony account in one place. Read-only access, built-in AI agents, ready to plug into other software and your AI through REST, MCP, or webhooks.
Built-in AI agents
Reconnection cycle
Read-only
Regulated by TrueLayer (FCA-authorised AISP). Calmnect.ai operates as an agent of TrueLayer. Read-only. Payments not enabled. 90-day reconnection cycle (PSD2 SCA renewal). Consent, scope, and revocation shown at connection and in settings.
Three ways to connect
Pick your protocol.
Every connection is read-only, scoped to the customer's consent, and revocable in one tap.
REST API
Copy your API key, paste it into any backend. Standard HTTP, JSON, predictable shapes.
- OAuth-secured
- Idempotent reads
- Versioned
MCP server
Copy one link, paste into Claude, ChatGPT, Gemini, or any MCP-compatible AI. Tools appear.
- Native AI tools
- Per-tenant isolation
- Audit-logged
Webhooks
Push transactions, balance changes, and connection events to your endpoint in real time.
- Signed payloads
- Auto-retry
- Delivery log
Built-in AI agents
Five agents, included.
Each agent runs against your connected accounts and exposes a clean output through the same API, MCP, or webhook surface.
Income Verifier
Confirms recurring income — salary, freelance, benefits — with confidence scores.
Affordability Scorer
Combines income, recurring outgoings, and discretionary spend into a fair affordability view.
Multi-Account Aggregator
Merges every connected bank + Calmony account into one canonical balance and transaction stream.
Recurring Payment Detector
Finds subscriptions, standing orders, and predictable bills before they hit.
Spend Categoriser
Categorises every transaction by merchant, country, and budget bucket — auto-tuned per account.
Two connection types
Connect High Street banks or Calmony.
Both feed the same dashboard, the same agents, the same APIs.
High Street Banks
Standard open banking flow via TrueLayer. All UK High Street banks supported.
- Authorised through your bank's app
- Scope and consent shown up front
- Re-authorise every 90 days (PSD2 SCA)
- Revoke at any time
Calmony
First-class connection. Same UX as a bank — enter account number, authorise, data flows.
- Native Calmony account linking
- Combined balance with bank accounts
- Same agents, same APIs
- Revoke at any time
Pricing
One product. Per-tenant pricing.
Connect your first account free. Upgrade when you're ready to wire it into your AI or your software.