Aren't ChatGPT and Muse doing the same thing now?
They connect to your bank through Plaid too, but they're general-purpose assistants with finance as one feature among many, productivity, shopping, health, and more. You still have to know what to ask, and the answer is a conversation, not a verdict. Moyo does one job: it runs the same five checks on your real bills, cash, fees, subscriptions, and cards every time, and hands you actual dollar amounts and named alternatives automatically. Less a chatbot you interview, more an inspection report that's already done.
Is my financial data shared with Meta, OpenAI, or anyone else?
No. Moyo only talks to Plaid to read your transactions and Anthropic's Claude to analyze them. It isn't bundled into a larger platform account, and your bank data isn't mixed with shopping, health, or social data the way it can be inside a mega-agent built to do everything.
Will Moyo eventually do everything those bigger agents do?
No, and that's on purpose. Moyo stays narrow: find the real money you're leaving on the table, and tell you plainly what to do about it. If you want a do-everything assistant, those exist. Moyo is for people who just want a straight answer about their money, not another app to have a conversation with.