Your bank data, wired to everything
Connect UK bank accounts and your Calmony account. Pull live balances, transactions, and income signals into any software or AI — via REST, MCP, or webhooks. Read-only, FCA-regulated, 90-day PSD2 consent cycles.
CONNECT-01 / BANK CONNECTIONS
Every UK bank. One authorisation flow.
Connect any UK High Street bank via TrueLayer's Open Banking platform. A consent screen shows exactly which data scopes you're granting — balances, transactions, account info — before anything flows. Calmony accounts connect with the same one-tap UX, feeding the same dashboard.
All UK banks supported TrueLayer's full provider network — from Barclays to Monzo.
Calmony as a first-class source Connect your Calmony account number identically to any bank.
90-day PSD2 SCA cycle Automated reminders at T-14, T-7, and T-1 days. One-tap re-auth when the time comes.
Revoke at any time One action withdraws consent, stops sync, and removes stored tokens.
DASH-01 / CUSTOMER DASHBOARD
One view of every account you own
Balances, spending patterns, income trends, and detected subscriptions — all combined across banks and Calmony in a single dashboard.
Combined balance view
Total net position across all connected accounts with a 30-day sparkline. Per-account cards with live sync status.
Spending analytics
Category, merchant, and country breakdowns. Bar, pie, and line charts — daily through yearly granularity.
Income view
Period-to-period income comparison. Identified salary patterns, regular credits, and a downloadable verification report.
AGENTS-01 / BUILT-IN AI
Five specialist agents. Ready to run.
Each agent reads your connected account data and returns a structured, downloadable result. Trigger them from the dashboard, the REST API, or an MCP-compatible AI like Claude or ChatGPT.
Income Verifier
Analyses the last N months of credits, identifies salary-pattern transactions, and returns monthly average income, stability score, employer name guess, and last paid date — as a downloadable JSON report.
Affordability Scorer
Takes a proposed monthly commitment (e.g. rent) and returns a 0-100 affordability score, disposable income figure, debt-to-income ratio, and narrative explanation. Built for PropTech workflows.
Multi-Account Aggregator
Combines balances and cash-flow across all connected accounts into a unified net position — total liquid, account breakdown, pending exclusions, and a true cash available figure.
Recurring Payment Detector
Clusters transactions by merchant, amount-band, and cadence to identify subscriptions and standing orders. Shows avg amount, next expected date, and confidence score. Re-runs nightly.
Spend Categoriser
Tags every new transaction with a category — Groceries, Transport, Bills, Rent, Salary, and more — using merchant name and description as context. Powers the spending analytics dashboard.
API-01 / CONNECTION TYPES
Three ways to pipe your data out
Copy a key, paste it into your app. Copy a link, paste it into Claude. Register a URL, get transactions pushed the moment they land.
- STEP 01 — REST API
Copy key. Start querying.
Authenticated REST endpoints for accounts, balances, transactions, and all five agents. Every call is logged to the audit trail with actor, endpoint, and record count.
- STEP 02 — MCP SERVER
Paste the link into any MCP-compatible AI.
One URL connects Claude, ChatGPT, Gemini, or any MCP client to your live bank data. Tools include list_accounts, get_balance, list_transactions, verify_income, and score_affordability.
- STEP 03 — WEBHOOKS
Register a URL. Receive events instantly.
Subscribe to transaction.created, balance.updated, connection.expiring, connection.revoked, and agent.completed. Every delivery is HMAC-signed with your endpoint secret and retried with exponential backoff.
TECH-01 / TECHNICAL DASHBOARD
The control plane for developers and ops teams
Every technical surface in one sidebar: API keys, MCP link with QR code, webhook management, agent activity, consent scopes, audit log, and GDPR controls. Tabbed code snippets in curl, Python, and TypeScript.
API & MCP page Copy key or MCP URL. Generate a QR code for fast phone-to-desktop transfer.
Webhook management Create endpoints, choose event subscriptions, inspect delivery history, resend failed events.
Agent activity log Every agent run: type, trigger source, duration, input summary, and full output drawer.
Access audit log Filterable, virtualized log of every data read — by agent, API key, MCP client, or webhook.
INCOME-01 / INCOME & SPENDING
Financial analytics without a spreadsheet
The income view compares month-on-month and year-on-year figures, identifies salary patterns, and lets you trigger an on-demand verification that produces a downloadable PDF. Spending analytics breaks down every transaction by category, merchant, and country — with an interactive merchant map.
Transactions list Sortable, filterable, virtualized — handles 10k+ rows. Per-row drawer with raw provider payload.
Subscriptions view All detected recurring payments: merchant, cadence, avg amount, next due date, total monthly committed.
Spending by country Merchant locations mapped via pigeon-maps, sized by spend volume.
COMPLIANCE-01 / GDPR + FCA
Regulated by TrueLayer. Designed for GDPR.
Calmnect.ai operates as an agent of TrueLayer, an FCA-authorised AISP. Consent is explicit, scoped, and revocable. Every data right under GDPR Articles 17 and 20 is a first-class UI action — not a support ticket.
Consent management
View active scopes, see when they were granted, and withdraw any time. Every consent event is recorded — granted, renewed, revoked, expired.
Tokens encrypted at rest
AES-256-GCM encryption for all stored access and refresh tokens. A single decrypt helper — no plaintext tokens ever stored or logged.
GDPR export & deletion
Article 20 data export as a zip (JSON + Excel + PDF). Article 17 full erasure — revokes consents, removes all transactions, balances, agent runs, and connections.
EMBED-01 / PROPTECH & PARTNERS
Embed bank connectivity in your own product
The embed mode strips Calmnect chrome and renders just the connect flow with your logo and brand colour. Your customer authorises, the one-time code exchanges for an API key scoped to that customer, and your app gets live bank data — without touching their credentials.
White-label connect flow Your logo, your primary colour. Mandatory consent disclosures always shown.
Partner-scoped API keys Each customer gets a key scoped to their org. You never handle tokens directly.
Sandbox / demo mode Realistic seeded data across 6 months lets your team evaluate without connecting a real bank.
Affordability at the tenancy application step Run the Affordability Scorer inline — score 0-100, disposable income, debt-to-income ratio.
ONBOARD-01 / GETTING STARTED
Live bank data in four steps
1. Confirm consent
Review the data scopes you're granting — balances, transactions, account info. No surprises.
2. Connect an account
Pick any UK bank via TrueLayer, or enter your Calmony account number. Same flow, same UX.
3. First sync
Up to 90 days of transactions pulled automatically. Progress shown in-app as data lands.
4. Explore or connect
Use the dashboard, copy the API key, paste the MCP link, or register a webhook endpoint.
FAQ-01 / COMMON QUESTIONS
Questions worth answering directly
Connect your bank data to anything
82 shipped features. FCA-regulated. Read-only. Three connection types. Five AI agents. One subscription.
Questions? Email sf-core-org-support-calmnect-ai@saas-factory.ai
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).