Lotvs

AI agents

Let your AI agent read your account. Nothing moves until you approve.

Connect Claude, ChatGPT or any tool that speaks MCP to your Lotvs account. Your agent can read your balance and activity, tell you what it notices and ask you to pay someone or to make a conversion. Each request waits in Lotvs until you approve it and sign it from your own account. The agent has no money of its own.

Read the docs

Free to sign up. Facts on this page checked against the product on October 20, 2026.

How it works

From sign in to your first approved request

  1. 1

    Open your account

    Sign in to Lotvs with Google or with a wallet you already use. Only you approve payments from your account.

  2. 2

    Connect your AI

    Add Lotvs to Claude in one click, paste one link into ChatGPT, or connect any tool that speaks MCP.

  3. 3

    Ask in plain words

    "What did I spend this week?" "Pay Ana $18 for dinner." Your agent reads your account and answers, or turns what you asked into a request.

  4. 4

    Approve in Lotvs

    Each request shows who would be paid or what would be converted, how much and why. Approve it and sign it from your own account, or decline it. Until then, nothing moves.

What it can do

Read, tell, ask

  • Read

    Your balances and recent activity, so it can answer "what did I spend this week?"

  • Tell

    Explain what it sees in your account in plain words, in the chat where you asked.

  • Ask to pay

    Prepare a payment in dollars or euros to someone you name. It waits for your yes.

  • Ask to convert

    Prepare a conversion between dollars and euros. It waits for your yes.

What it can never do

The rules sit outside the AI

  • Move money by itself

    Every payment and conversion waits for you to approve it in Lotvs and sign it from your own account.

  • Hold money

    An agent has no balance of its own. There is nothing to fund and nothing for it to spend.

  • Approve for you

    It cannot approve its own requests or change what it may do. Only you can, in the app.

  • Keep going after you stop it

    Pause or disconnect it in the app at any moment. A request you leave unanswered expires, and nothing moves.

At a glance

An agent connection at a glance

What it can do
Read your account, tell you what it finds, ask you to pay or to convert
Who approves
You, in Lotvs, for every payment and every conversion
Money of its own
None
A request you do not answer
Expires, and nothing moves
Fees
No Lotvs fee to send money. A conversion carries a fee of up to 0.2%, shown before you confirm, where we charge one; elsewhere converting is free for now. Each transfer carries a small network cost.
Works with
Claude, ChatGPT, Claude Code, Cursor and any client that speaks MCP

In practice

What asking looks like

  • What did I spend this week?

    Lists your payments since Monday

    Read

  • Send Ana $18 for dinner.

    Request waiting for your yes. Nothing paid yet.

    Asks you

  • Convert $100 to euros.

    Request waiting for your yes, with the amount you would get

    Asks you

  • Pay the $180 on this invoice.

    You declined it. Nothing paid.

    Declined

Illustrative.

Questions

Straight answers

Can my AI agent move my money?

No. It can ask. Every payment or conversion it prepares waits in Lotvs until you approve it and sign it from your own account. If you decline it or leave it unanswered, nothing moves.

Does the agent get money of its own?

No. It works with your account, and only through requests you approve. There is nothing to fund.

What happens if the AI is wrong or is tricked?

The most it can do is ask. A request shows who would be paid, how much and why, so read it before you approve. A payment you approve is final once it is sent.

Is this a bank account?

No. Lotvs is not a bank. Your balance is held as digital dollars (USDC) and digital euros (EURC), not bank deposits, and is not covered by deposit insurance.

Which AI agents can use it?

Claude and ChatGPT, and any tool that speaks the Model Context Protocol over HTTP, such as Claude Code or Cursor.

In the documentation

Related

  • Approvals for AI agentsIn Lotvs, an AI agent cannot spend on its own. Every payment or conversion it asks for waits until you approve it in Lotvs and sign it from your own account. Requests expire, and you can pause or disconnect an agent at any time.
  • Payments your AI preparesYour AI agent can ask you to pay someone in digital dollars (USDC) or digital euros (EURC). Each payment waits in Lotvs until you approve it and sign it from your own account. No Lotvs fee to send.
  • Connect ClaudeAdd Lotvs to Claude as a connector in one click. Claude can read your account, tell you what it finds and ask you to pay someone or to convert. Nothing moves until you approve it in Lotvs.
  • Connect ChatGPTAdd Lotvs to ChatGPT as a custom MCP server. ChatGPT can read your account, tell you what it finds and ask you to pay someone or to convert. Nothing moves until you approve it in Lotvs.

Important

An AI agent connected to Lotvs has no money of its own. It can read your account, tell you what it finds and ask you to pay someone or to make a conversion. Nothing moves until you approve it in Lotvs and sign it from your own account. A payment you approve is final once it is sent. Some features are offered only to people we invite to test them.

Lotvs is a financial technology company, not a bank. Balances are held as digital dollars, not bank deposits, and are not covered by deposit insurance. See the Terms and Privacy Policy.