Ask your AI about your money.

You connect through the Consumer Data Right (CDR), Australia's regulated open banking framework, so you never hand your internet banking password to us or to the AI, and you consent to exactly what is shared. Your data reaches Truo through openfeed, an accredited data recipient (ADR000204). From there it will be stored encrypted in Australia, with a separate encryption key for every user, and every read we make to answer you is recorded. Once it is with Truo it is held under the Privacy Act and our privacy policy, which is written to be read.

It can see the accounts you connect: balances and transactions, at full detail. It cannot move money, and not because we chose restraint: the CDR has no write access. The power to allow payments exists in the law but has never been switched on, so no product built on these rails can touch your money. Read-only is a fact of the system, not a promise from us.

Yes, when you ask. That is the product: when you put a question to your assistant, Truo gives it the actual rows it needs, dates, amounts, descriptions and merchant names, so the answer can be exact rather than approximate. Nothing moves unless you ask; Truo cannot push data to your assistant on its own. What the assistant's maker does with your conversations, including whether they are used for training, is set by your agreement and settings with that provider, and they are worth checking.

Open banking (the CDR) is an Australian law that lets you securely share your own banking data with providers you choose. It is not screen scraping: there is no password sharing and nothing logs in as you. The sharing itself runs on the CDR's regulated, consent-based rails. Once your data is with Truo, holding it properly is our job, under the Privacy Act and our privacy policy.

Open banking is live across the major banks and more than a hundred bank and institution brands, and connecting more of yours is always free. Non-bank lenders, including buy now pay later, join the CDR in stages from late 2026, and the CDR is extending to energy. Both are on Truo's roadmap and neither has shipped: today Truo is banking.

Claude and ChatGPT. Truo works through connectors, which both support today. In Claude, adding Truo is an ordinary setting on any plan. In ChatGPT it currently sits behind a developer setting, on the paid plans. Gemini added support for custom connectors during 2026, but only for people in the United States, so Australian Gemini users cannot connect yet. We will say so here when that reaches Australia.

Once you connect, in Australia. We keep your transaction history for as long as you are a Truo customer, and we delete it when you stop. There is no fixed number of years: the privacy law does not set one, and we would rather hold your bank records only while we have a reason to. How far back we can reach on the day you connect is up to your bank, and in our own testing it was about two years. Everything from that day onwards we keep, and it builds up: in a few years, what you paid three winters ago is exactly the kind of question Truo will answer. Withdraw consent and new data stops flowing. Cancel your subscription and your history stays where it is. Delete your account and your stored data goes, apart from the limited records the law requires us to keep.

One plan, in Australian dollars, GST included, and these are planned launch prices we will confirm again before you are charged. Household is $14.95 a month or $149 a year, and everything Truo does today is in it: your transactions row by row, unlimited bank connections, Excel and CSV export, and a household chart of accounts with income and spending and a balance sheet. It is planned to start with a 30-day free trial, no credit card, and there is no free tier: the subscription is the business model, and your data is never for sale. Your history is stored in full and bank connections are never charged for.

Truo is a data connector: it gives your assistant your own records, and it gives no advice of its own. Truo holds no Australian financial services licence and never recommends products. What you ask your own assistant about your own money is your business. Truo itself considers none of that: it holds no view about your goals and makes no recommendation. Your assistant is a different matter, and what it says when you ask is between you and it. For advice tailored to you, a licensed adviser is the right person.

Truo is built by NTWRK Pty Ltd in Melbourne, and no, Truo is not an accredited data recipient. Your data travels the CDR's rails to openfeed (ADR000204), which is accredited, and openfeed discloses it onward to Truo with your consent. From that point it is governed by the Privacy Act rather than the CDR's privacy safeguards. Bank data over CDR rails, held under the Privacy Act: we would rather describe the arrangement exactly than borrow a word like accredited that does not apply to us.