Meta confirmed on Thursday that its Muse personal AI agent now connects to Plaid's data network, gaining direct access to more than 12,000 financial institutions across the US, Canada, and Europe — every major retail bank and a long list of fintech apps.

The integration lets users link bank accounts, brokerage balances, and card transactions directly to Muse, which can then answer questions about spending, run budgets, and surface anomalies. Meta framed the launch as opt-in, with users authorizing each connection through Plaid's OAuth flow — and for now, Muse only reads; it does not execute trades or move money.

It's the first time a Meta AI product has sat inside the consumer financial stack at scale, and a shortcut past the slow build: hundreds of millions of Instagram and WhatsApp users are within reach on day one. Google's Gemini has been inching this direction through Google Wallet, and OpenAI has been testing similar hooks with Stripe.