Plaid

Headlines · 2

1. 5d
   Show HN: Pulse Local runs budgeting AI fully on your Mac

   Developer Niz launched Pulse Local on Hacker News's Show HN, a beta budgeting app for Mac (Apple Silicon) that answers spending questions with models running on the machine. Users import a CSV from any bank in any currency; a fine-tuned Qwen3 0.6B model turns each question into a structured query, while code rather than the model does the money math, and a 4B checker model double-checks every money answer, with the app saying it is unsure when the two readings disagree. The author says this cut wrong answers from roughly one in five to 5 in 494 questions across the last three tests; local mode needs no account and sends no ledger data or analytics, but first start downloads about 2.9 GB of models and a money answer takes 12–14 seconds with the checker on. The app is free, with an optional Connected mode (Sync Pass, $29/year) that syncs US banks via Plaid, passing transactions through server memory without storing them.

   Hacker News · AI（100+ 分） · 🔥 0
2. 6d
   JPMorgan blocks external AI agents like Meta's Muse and Instinct from client accounts

   JPMorgan CEO Jamie Dimon said on the bank's third-quarter earnings call that it will not let outside AI agents enter the company and act on behalf of clients, calling that "just too risky for clients and for JPMorgan" and warning that "you don't want runaway agents, and there could be thousands." A bank spokesperson confirmed JPMorgan currently bars external agents from acting for retail customers: third-party connectors such as Plaid may give agents read-only access to some data like balances with customer authorization, but not transfers or bill payments, and no timeline exists for safeguards enabling agentic connections. Dimon also flagged a "liability shift" for customers who use such agents, while the bank uses AI agents internally and CFO Jeremy Barnum said it began a targeted pilot of its own SmartCash tool in recent weeks to forecast cash flow and move money to maximize returns. The report notes Instinct, an SMS-based concierge from San Francisco startup Spear Street Technology, and that Meta's Muse agent topped app download charts in September, pressuring bank stocks, with OpenAI launching its Dots agent weeks later.

   cnBeta · 🔥 0

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