What you need in Meta Muse
Muse builds custom connectors from inside the conversation and keeps their credentials in its Secure Credentials Store, on the web at muse.ai and in its iOS, Android, and Mac apps. Meta does not review custom connectors, so you approve Candor's access yourself in a browser. If the phone app asks for a Client ID during setup, finish at muse.ai in a browser; the app uses that connection afterward.
Check it worked
Start a new conversation with Meta Muse, turn Candor on if asked, and send the message below.
Ask Muse to confirm the finance skill is loaded, open your Candor workspace, and show which accounts and dates are available. If it asks you to sign in, finish the browser approval and return to Muse.
What you should see: Meta Muse names the accounts in Candor and how recent they are. A missing account means limited coverage, not a failed setup.
Check whether the candor-finance skill and Candor access are ready. Tell me about anything missing. If access works, continue my financial task, or start a first check-in on my money if I have not named one. Be clear about gaps in the records.
What Muse Finances already does
Finances launched with Muse in the US on September 8, 2026. It links your bank accounts, shows your spending patterns, builds budgets and goal trackers that check in when you drift, and scans your email for subscriptions you do not use, cancelling them with your approval.
Muse is free with a usage limit, and Meta names no paid plan for Finances. It runs on the web at muse.ai and in the iOS, Android, and Mac apps. For the full side-by-side, read the comparison of Muse Finances and Candor.
What changed in Meta Muse
October 13, 2026: JPMorgan said it will not let outside AI agents such as Muse log in to Chase accounts with customers' banking credentials, and that it supports customer-authorized data sharing through open banking providers.
September 8, 2026: Meta launched Muse in the US with Finances built in.
Why use Candor instead of Muse Finances
Muse Finances builds budgets and goal trackers with you inside Muse. Candor keeps the plan where every agent you use can read it: goals measured from your accounts, a budget that pays for them, and each decision with its reason, across cash, debt, investments, insurance, and taxes.
Every week Candor also reviews your records and notes and raises what's worth talking through, with the records behind each item, and it records every agent read and change with its reason.
Let Muse check in on the plan
Muse keeps working after you close the app and can run recurring tasks, like a weekly summary, then tells you when something is new or needs your approval.
Ask it for a weekly look at what Candor has raised. Muse's activity log shows what it did, and Candor's own record shows every read with its reason. Information Muse used can stay in its memory after you disconnect a connector, and you can read and edit those memory files.
When Meta Muse setup stops
The phone app asks for a Client ID
- What to do
- Muse's phone app cannot finish this step yet. Candor's Connections page shows the current way through, and Meta's help, linked below, covers the app.
Approval worked, but Muse still cannot connect
- What to do
- An old approval link cannot be reused, so send Muse the setup message again for a fresh sign-in. Candor's Connections page, linked below, shows the moment Muse connects.
Muse remembers Candor but cannot open it
- What to do
- A remembered connection is not proof of access. Candor's Connections page shows whether Muse is still connected; if not, send Muse the setup message again.
Muse suggests installing the Candor CLI
- What to do
- Muse connects through its hosted sign-in in your browser, not the CLI. Send the setup message again, or we can finish setup with you.
What to try with Meta Muse and Candor
Start by asking Muse to review recent spending against your savings goal. It can use Candor's records to explain what fits and keep the plan you settle on for the next check-in.
What Candor can and cannot do
Candor is read-only toward your money. It has no tool to move money, pay a bill, trade, or cancel a service, it does not train AI models on your financial information, and it records every agent read and change with its reason. You can revoke an agent, export your data, or delete it from your account.
Candor provides records and calculations, not financial advice; your agent advises and acts only through its own tools, with your okay.
Common questions
- How does Meta Muse connect to Candor?
- As a custom connector. Muse creates it from the setup message, using Candor's remote MCP server and hosted sign-in, and stores the credentials in its Secure Credentials Store. Candor is not in Muse's connector list.
- Should I link my bank twice, in Muse and in Candor?
- Only if you want both. Finances and Candor are separate connections; Muse can read Candor's records through the connector whether or not you also use Finances.
- Does JPMorgan's stance on AI agents affect this?
- JPMorgan's objection is to agents logging in with your banking credentials. Muse reads Candor through the connector you approve, and Candor has no tool to move money or pay a bill.
- What does Candor cost?
- Candor starts at $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and the first 7 days are free. Meta Muse's own plan and usage charges are separate.
Sources
- Introducing Muse Meta, September 8, 2026
- Muse Finance Meta
- How Muse works with Connectors Meta
- Muse subscription plans Meta
- JPMorgan Chase blocks outside AI agents from directly accessing accounts CNBC, October 13, 2026
- Jamie Dimon bars outside AI agents like Meta's Muse from JPMorgan accounts Fortune, October 15, 2026
- Muse: activity, settings, and approvals Meta
Setup files for agents: Meta Muse connection materials