Secure AI Agent · Personal Finance
AI applied to
your money, without touching it
A specialist configured to read your accounts in read-only mode, find where money is leaking, and close out the month. Money never moves: you decide, it prepares.
Companies that trust UPX
Capabilities
What the Personal Finance Agent
can do
Main areas of work for the Personal Finance AI Agent in your month.
Where the money goes
Categorizes spending and shows what grew without you noticing.
Forgotten subscriptions
Finds the recurring charge you no longer use.
Monthly close
Compares income and outgoings and says if you ended up ahead.
Upcoming bills
Warns what is due and what has already been debited.
Cost of credit
Shows how much installments and interest are costing you.
Tracked goals
Follows the goal you set, without judgment.
Skills
Capabilities that compose the specialist
Skills add specific capabilities to the Secure AI Agent according to the processes it needs to execute.
- Spending categorization
- Organizes entries by category and recurrence.
- Recurrence detection
- Identifies repeat charges and what changed in amount.
- Monthly close
- Builds the month's summary with the source of every figure.
How it worksFrom the statement you never read
From the statement you never read
to a month that closes
Connect your accounts in read-only mode, define what the agent can do, and see where the money is going.
- Connect your accounts read-only
- No permission to move money.Connect your accounts through the UPX Financial integration in read-only mode. The agent can read balances and transactions, and has no permission to transfer, pay, or invest.
- Ask in plain language
- Talk to the agent in natural language.Ask where the money went this month, which subscriptions are active, or how much interest the card is costing. The agent answers with the transaction behind every figure.
- The agent prepares. You act.
- Money never moves through the agent.The agent reads, organizes, and flags within the defined permissions. Paying, transferring, cancelling subscriptions, and investing are your actions, taken by you, in your bank or app.
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Integrations
Connected to your accounts, read-only
The Personal Finance Agent can query your transactions and organize what you already use day to day.
Google Calendar 
Flow
What goes in,
what the agent does, and what comes out
From a raw statement to a month you understand, with the money always in your hands.
Inputs
- Account statementOFX
- Card statementPDF
- Spending trackerXLSX
Processing
Secure AI Agent
Processing the task
- Read
- Categorize
- Comparerunning
- Summarize
Read-only accessTransaction cited
Output
Completed
Summary prepared
- Spending by category with what went up
- Forgotten subscription identified
- Month closed with income and outgoings
Control
You define how far the Agent can act
Different actions can operate with different autonomy levels, and here the money limit is fixed.
- 1
Query
Reads balances and transactions and answers with the origin.
- 2
Prepare
Categorizes spending and builds the monthly close.
- 3
Flag
Shows the forgotten subscription and the cost of credit.
- 4
You act
Paying, transferring, and cancelling stay yours.
Bank access is read-only by design, and money never moves through the agent. Paying, transferring, investing, and cancelling services are your actions. Investment advice is a regulated activity and is out of scope. The access is yours and can be revoked whenever you want.
Get started
Put a Secure AI Agent to work.
Start on the platform or choose the plan that fits the pace of your operation.
Security and compliance
Security that can be verified.
Certifications and attestations
UPX maintains SOC 2 Type II and ISO 27001, with independent audit over its information security controls.
Privacy and regulation
- LGPD
- Operations follow Brazil's Law 13.709/2018. In AI Agent contracts, UPX acts as data processor; the legal basis remains with your company.
- Zero Data Retention
- A product policy, not a certification: with compatible providers and configurations, processed content is not retained after execution.
- Retention and deletion
- The retention policy is defined by contract. Once the contract ends, data is deleted within the agreed period.
Frequently asked questions
Common questions about the Personal Finance Agent
What people usually ask before connecting their own accounts.
Can the agent move my money?
No. The integration is read-only by design: it reads balances and transactions and has no permission to transfer, pay, or invest. When there is something to do, it prepares it and you execute it in your bank.Does it tell me where to invest?
No. Investment advice is a regulated activity and is out of scope. It shows how much you have, how much credit is costing you, and what is left — the decision is yours, with or without an advisor.Who else sees my data?
No one beyond who you authorize. Access is individual, the content is not used to train UPX or third-party models, and you can revoke the connection whenever you want.Does it cancel subscriptions I do not use?
No. It identifies the recurring charge, shows how long it has existed, and how much it has cost. Cancelling involves your contractual relationship with the provider, so that action stays with you.Does it work for the whole family?
Yes. You can track accounts for more than one person in the household, as long as each one authorizes their own access. What does not happen is one person seeing another's statement without that authorization.Will it judge my spending?
No. It shows the facts: what went up, what is recurring, what you may have forgotten. No lectures and no goals you did not set.Can I audit what the agent did?
Yes. Every query is logged: what was read, when, and under which permission. The history stays available for you to review.
Secure AI Agent
Put a Secure AI Agent in charge of your month
Talk to our specialists and see how to adapt this AI Agent to your routine and your accounts.