agent.spend_analyst
Spend Analyst
Separates signal from noise across every linked account — merchant drift, category anomalies, and the slow creep you never notice month to month.
fetch_transactionsdetect_recurring
Private beta · cohort 01
The intelligence layer
for your money.
lucent is not a budgeting app. It is a secure, programmable layer over your entire financial life — and a fleet of specialized agents that reason on top of it.
spend-analyst.agent
Built on the rails your money already runs on
PlaidModel Context ProtocolOAuth 2.1Open BankingSOC 2 controls
01Positioning
Budgeting apps report the past.
lucent reasons about the future.
Envelopes and pie charts were the right abstraction when software could only categorize. Models can now reason over a full financial graph — so the product should too.
Categorizes what you already spent
Simulates what next quarter looks like before you commit
A dashboard you have to remember to open
Agents that run on a schedule and surface only what changed
One vendor's read of your accounts
A unified graph across banks, brokerages, equity, and debt
Your data, locked inside their app
Your data, callable by any agent you authorize
01
Connect
Link banks, cards, brokerages, and loans through Plaid. lucent resolves them into a single graph with a consistent shape.
02
Delegate
Put agents on the graph. Each one watches a narrow slice, runs on its own cadence, and only speaks up when it has something.
03
Extend
Mint a scoped token and point your own tools at the same MCP surface. The platform stops where your imagination does.
02The fleet
One chatbot cannot do this. A fleet can.
Each agent is narrow on purpose — its own tools, its own scopes, its own schedule. They run continuously against your graph and escalate only when something is worth your attention.
agent.portfolio_auditor
Portfolio Auditor
Allocation drift, expense-ratio drag, and the overlap between three funds you believed were diversified.
fetch_holdingscompute_drift
agent.cashflow_forecaster
Cash Flow Forecaster
Projects ninety days of balances from pay cadence, bill timing, and obligations you have already committed to.
forecast_balancesfetch_liabilities
agent.subscription_warden
Subscription Warden
Catches price hikes, trials about to convert, and the services you stopped opening two quarters ago.
detect_recurringdiff_pricing
agent.tax_strategist
Tax Strategist
Harvesting candidates, deduction gaps, and quarterly estimates that have quietly drifted out of range.
fetch_holdingsestimate_tax
agent.networth_historian
Net Worth Historian
Reconstructs your balance sheet across time and explains what actually caused every inflection in it.
fetch_accountssnapshot_networth
Or write your own.
Every agent above is built on the same public surface you get. Nothing is privileged, nothing is hidden.
03Extend
Your data. Your agents.
lucent exposes your financial graph as an authenticated MCP server. Mint a scoped token, point any client at it, and your accounts become something you can actually program against.
Any MCP client
Claude, your editor, a cron job, a runtime you wrote this afternoon. If it speaks the Model Context Protocol, it can reason over your finances.
No privileged interface
Our own fleet authenticates through the same bearer tokens and the same scopes you get. There is no internal API we kept for ourselves.
Composable, not walled
Join your financial graph to anything else you already run — a spreadsheet, a trading journal, your company's books.
{ "mcpServers": { "lucent": { "url": "https://mcp.lucent.com/v1", "transport": "streamable-http", "headers": { "Authorization": "Bearer lcn_live_9f3c…a71e" } } }}04Security
Extending your data should not mean surrendering it.
Every capability in this product is gated by a token you minted, scoped to tools you chose, and visible in a log you can read.
Read-only by default
Nothing moves money. Write scopes are opt-in, granted per tool, and expire on a clock you set.
Scoped per client
A token minted for your editor cannot read holdings unless you granted holdings:read to that specific client.
Revocable in one call
Kill a client's access instantly. Every tool call is attributed to the token that made it, forever.
Credentials never reach us
Bank authentication happens inside Plaid. We hold a revocable access token — never your username or password.
Encrypted, isolated
TLS 1.3 in transit, AES-256 at rest, and per-user key isolation so one tenant's keys open exactly one tenant's data.
Never training data
Your financial graph is not a corpus. It is never used to train models — ours or anyone else's.
SOC 2 Type II audit in progress · report available under NDA on request
Stop reconciling.
Start reasoning.
Cohort 01 is small and hands-on. Leave an address and we will send an invite with your first scoped token.
No spam. One email when your cohort opens.