Is OpenAI about to become a digital financial advisor? Read-only access + Plaid coverage of 12k institutions, Pro users get early access, GPT-5.5 Thinking directly analyzes your Chase and Fidelity statements — not touching your money but understanding spending. Behind 200 million monthly active financial questions, wallet data has become the new training ground.

AIMPACT reports that starting from May 16th (UTC+8), ChatGPT has launched a personal finance feature, connecting to over 12k institutions via Plaid to obtain read-only access to balances, transactions, investments, and liabilities. Preview available for Pro users, with the default GPT-5.5 Thinking model. Supports Chase, Fidelity, Schwab, American Express, Capital One, and others. The feature provides customized financial advice based on actual spending and is strictly read-only, with no fund transfer capabilities. OpenAI has acquired Roi and Hiro in recent years, and the current monthly financial inquiries exceed 200 million.