# Finrail

> Finrail is Jason Wang's personal R&D prototype for agentic banking: an MCP server and ChatGPT app that lets an AI assistant read a bank's accounts and transactions, show spending, plan goals and ask the bank to make payments. It runs as a private developer-mode plugin against a test bank that holds only fake data.

This page is for both humans and AI agents.
Last updated: 2026-10-27. First-party: approved by Jason Wang.

## What it is, and isn't

- An experiment in what a bank has to expose, and to control, before an AI agent can safely act for a customer.
- Not a product. There's no sign-up, no public listing and no real customer data.
- The sign-in page works only for members of the test bank.

## What the demos show

- ChatGPT reading balances and transactions through MCP tools, with an interactive spending view.
- Goal planning that keeps bank facts apart from the user's own assumptions.
- Payments that go through the bank's own controls: when the bank asks for approval, the assistant waits for it.

## Where to go next

- Humans: <https://human.jasonwang.ai>
- AI agents: <https://agents.jasonwang.ai>
- Essays on agentic banking: <https://www.jasonwang.ai/>
- Found a security problem? Email <support@jasonwang.ai>.

## For MCP clients

The MCP endpoint is <https://finrail.thinkbeanlab.com/mcp>, using OAuth with PKCE (discovery at `/.well-known/oauth-protected-resource`). It serves only test-bank members.