Copilot Money Release Notes

Beta

We believe your financial data should work where you do, so we’re building an MCP. Now available in beta, it connects Copilot Money securely and directly to top AI tools. Get answers about your spending, budgets, and accounts without switching apps or copying numbers around.

This is the first step toward something bigger: your financial data, available for the tools and workflows you already use. Read-only to start, and tested for Claude, ChatGPT, and Codex CLI. Sign up for the beta waitlist here.

Meet your personal money assistant.

Proactive, intelligent, and built for you.

Works while you sleep

Copilot keeps an eye on your accounts and flags what matters, day and night.

Speaks your language

Sharp and direct, or warm and encouraging. Pick the personality that works for you.

Sees the whole picture

From tweaking this month’s budget to planning for retirement, no topic is too big or too small.

Gets things done

Editing transactions, rebalancing budgets, matching refunds—Copilot suggests, you approve.

Beta

Managing money well is a constant job, and life doesn't stop to let you do it. Meet: your personal money assistant — a proactive sidekick that keeps an eye on your finances, connects the dots, and surfaces what matters — before you have to go looking for it. It goes beyond chat, something closer to having a financially sharp friend who never stops paying attention.

We've been thoughtful about how this fits into the app you know and love, designed to feel like it’s a natural extension of the Copilot Money experience. It’s working for you, from speaking in the tone you prefer to checking for approval before any edits. Nothing happens without your say-so.

Learn more.

If you want to be among the first to try it and help shape where it goes, sign up for the beta waitlist.

Managing money well is a constant job, and life doesn't stop to let you do it.

Other financial apps have treated AI as a search bar — ask a question, get an answer. It's useful, but it puts the entire burden on you to know what to ask and when to ask it.

We’re building something different. Starting today, we're opening the public beta of a proactive financial assistant that keeps an eye on your finances, connects the dots, and surfaces what matters before you have to go looking for it. It goes beyond chat, something closer to having a financially sharp friend who never stops paying attention.

We've been thoughtful about how this fits into the app, designed to feel like it’s a natural extension of the Copilot Money experience.

The intelligence behind the assistant comes from the financial data that's been there all along — your transactions, categories, and spending patterns, private and secure as always. It's simply what gives the assistant context that compounds over time — the more you use it, the better it understands your priorities, and the less you have to think about managing your money.

What's in the beta today

Your assistant monitors your accounts and spending patterns in the background, delivering proactive daily briefings for what needs your attention — unusual charges, budgets running hot, patterns worth understanding. It suggests recategorizations, refund matches, and tags to keep your financial data clean, and identifies gaps in how your spending is organized with new category suggestions you can adopt in one tap.

It can also surface how to put idle cash to work across your accounts, and act on budgets, categories, and recurring transactions — with nudges that surface contextually throughout the app. Each suggestion comes with a plain-language explanation, in the tone you prefer. And it checks for your approval before any edits. Nothing happens without your say-so. When you want to dig in further, the full conversational interface is there with complete context.

What's coming

This is the beginning of a longer arc. Our vision is an assistant that earns autonomy incrementally — asking more and acting less early on, and gradually earning the right to handle more on its own as it proves its judgment. The boundary between "suggests" and "acts" will move over time, but always at your pace and under your control.

We’re also filming a behind-the-scenes series of what it's been like to build this. You can watch the first video in the journey here.

Join the beta

If you want to be among the first to try it and help shape where it goes, join the waitlist.

Enhancement

This month, the Web team has been expanding platform support, improving load times, and polishing everyday interactions. Here are the highlights!

Accounts

Crypto Exchange Support: You can now link supported crypto exchanges directly from the web app, bringing your full financial picture into one place.

Learn more about our crypto support here.

Faster Account Loading: The Accounts tab now loads significantly faster, even when you have a large number of accounts connected.

Zillow Account Names: We updated how Zillow account names appear on Web, so they're now consistent across all your devices.

Transactions & Editing

Bulk Edit Stability: Fixed an issue where some bulk-selected transactions would become deselected after making an edit — your selections now stay intact throughout the process.

Navigation & Layout

Side Panel Refresh: The side panel is now wider and opens without pre-selecting content on a tab, so you always start with a clean slate.

Options for cryptocurrency support with Copilot

You can track your cryptocurrency in several different ways in Copilot.

Please note:

Copilot does not show holdings with less than 1 cent in value in cryptocurrency accounts.

Tracking for Crypto Exchanges

Adding via iOS/macOS/iPadOS

Copilot supports integrations for the following crypto exchanges. For some of these exchanges, we provide information on how to retrieve API key information necessary to connect. If applicable, these instructions are linked below.

• Binance.US
• Bitstamp
• Coinbase - direct integration for crypto only. For the Coinbase One Card credit card, connect via Plaid.
• FTX US
• Gemini
• Kraken

Adding via Web

You can add the following crypto exchanges directly on the Web app:

• Binance.US
• Bitstamp
• Gemini
• Kraken

Crypto Addresses for Bitcoin and Ethereum

The Crypto Addresses feature allows users to add Bitcoin and Ethereum addresses to Copilot for automatic tracking. To check if an address works with this feature, you can enter it at the following sites.

Bitcoin:

• https://blockstream.info/
• https://blockchair.com/

Ethereum:

• https://etherscan.io/
• https://blockchair.com/

If these sites don’t return an accurate view of your holdings, then this feature does not support your address. If these sites do return your holdings, you can learn how to set-up this connection here.

Bitcoin Extended Public Key

Bitcoin Extended Public Key tracking allows users to track their Bitcoin holdings if their hardware wallet (and some application wallets) uses a mechanism called Extended Public key (xPub) to generate bitcoin addresses on the fly for receiving BTC. While xPub adds privacy, it also makes it harder to track BTC associated with a user.

If you use Ledger or Trezor, we have walkthroughs linked here for retrieving your public key. If you use another hardware wallet service and are unable to find external instructions for retrieving this key, you can contact us via the in-app chat.

Manual Holding Tracking

If you cannot track your crypto holdings using any of the methods above, we recommend using a manual account to enter your crypto holdings and automatically see the near-real time value. You can learn more here.

Plaid Support for Crypto

Plaid now supports integrations for some crypto exchanges. You can check to see if they support your exchange by searching for it in the Plaid link search.

👋 Still have questions? Contact us via the in-app chat.

Feature

You can now add an extra layer of security to your account and device access by enabling two-factor authentication. Once enabled, 2FA applies to your logins and sensitive account management actions, including account deletion and global session revocation.

Configuration: You can set up 2FA directly from your Settings menu.

Supported Methods: Copilot Money currently supports 2FA via authenticator app.

Learn more about authenticator apps here.

Global Sign-out: A new option in your Settings section allows you to log out of active sessions on all your devices with one click.

2FA is available on iOS, Web, and Mac.

Enhancement

Over the past month, the Web team has been refining workflows, increasing application speed, and improving reliability for the new desktop experience. Here’s a few noticeable highlights!

Accounts

Manual Account Sync: Managing manual accounts is now smoother. When you update a manual account balance or add transactions, your total assets and net worth will refresh right away — no need to reload the page.

Connection Management: You can now access “Manage Connection” directly from the account detail dropdown, making it easier to fix any issues with linked institutions.

Transactions & Bulk Editing

Tag Consistency: The bulk-edit tags interface now stays in sync with your changes when editing multiple transactions at once.

Bulk Action Visibility: We’ve fixed an issue where category, type, and tag options would disappear when using “Select All.”

Stable Sorting: Changing a category on a “To Review” transaction no longer causes your list to reorder unexpectedly.

Account Management

Authentication States: Error messages during login and sign-up are now clearer, so you’ll have a better sense of what went wrong.

Login Emails: We’ve updated our account emails to be cleaner and easier to read.

Google Pay: Google Pay is now supported at checkout during onboarding, alongside Apple Pay.