Thanks. It's an interesting time for sure. Muse also launched with Plaid integration support. I haven't tested either offering (and probably won't ever trust Meta with anything), so take these with a grain of salt:

- Privacy. Stoke is a paid subscription. I’m not selling your data. Caveat: if you connect an agent over MCP, what that agent does with your data is up to you. I can't control that.

- Data. The core product is the projection, and it’s only as good as the data underneath it. Plaid data is imperfect, so there’s always some cleanup to do. ChatGPT and Muse may do a decent job of recategorizing transactions and even remembering those fixes for future ones, but I think direct access to those controls (categories, rules, overrides) is a better experience than asking a chatbot.

- Portability. Everything you’ve modeled lives in Stoke, not in one AI assistant's memory. You can freely switch from ChatGPT to Claude or anything else without losing anything.

- Not mutually exclusive. All the questions you would ask your LLM about your finances, you can still do via the Stoke MCP, so I see it as the best of both worlds.