[Olivia Tauber](https://mashable.com/author/olivia-tauber)
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Meta wants Muse to take errands off your hands. But if your to-do list involves your Chase account, you’re still doing the banking yourself.
JPMorgan Chase is blocking outside AI agents, including services like Meta's Muse and Instinct, from directly accessing retail customers' accounts and acting on their behalf, CNBC reported. Coming weeks after Amazon blocked Muse from shopping on its site, the restriction puts another dent in the idea of one assistant that can handle your everyday tasks.
Speaking during the bank’s Oct. 13 earnings call, CEO Jamie Dimon warned about potentially thousands of rogue agents.
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"We’re not going to allow just any … outside agent to come in inside the company, because it’s just too risky for clients and for JPMorgan," Dimon said.
Dimon isn't the only financial leader worried about AI agents. Recently, Bank of America and other major banks issued a warning about AI agents and the potential fraud risks associated with them.
A Chase spokesperson confirmed to CNBC that third parties cannot obtain customers' banking credentials and log in on their behalf. There's no timeline for when the bank might allow agents to interact directly with customer accounts.
What does this mean for Chase customers? #
An assistant might be able to help you figure out what to do with your money. Actually moving it is where Chase draws the line. The bank still supports secure, customer-authorized data sharing through open banking providers, allowing an agent to access certain information, such as account balances, through an approved connection. That access does not extend to sending money or paying bills.
Say you ask an assistant to find a savings account with a better interest rate and transfer some money into it. It could help research your options, but you’d still need to complete the transfer through an authorized banking channel. The same obstacle applies to a bill payment that requires the agent to log into Chase.
[Terms of Use](https://www.ziffdavis.com/terms-of-use)and
[Privacy Policy](https://www.ziffdavis.com/ztg-privacy-policy).
That leaves users finishing precisely the kind of tedious financial admin they might have hoped to hand over. And for Muse, completing those tasks is a big part of the pitch. In its September launch announcement, Meta described an assistant that works across everyday apps, booking travel and sending emails rather than simply explaining how to do those things.
But an assistant’s ability to follow instructions only gets it so far when the service on the other end won’t let it through.
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Amazon has already pushed back on Muse #
Muse users encountered that problem at checkout last month, when Amazon began blocking the assistant from shopping on its site. The retailer said Muse failed to identify itself and raised concerns about its handling of customers’ credentials and account data.
"We think it's fairly straightforward that third-party applications that offer to make purchases on behalf of customers from other businesses should operate openly and respect service provider decisions about whether or not to participate," an Amazon spokesperson previously told Mashable. "Agentic third-party applications such as Muse have the same obligations, and we've requested that Meta remove Amazon from the experience."
Both Amazon and Chase, however, are making room for automation of their own.
Amazon is testing its shopping agent, Buy for Me. JPMorgan has begun a targeted pilot of Smart Cash, which CFO Jeremy Barnum described as a tool to forecast cash flow and move funds to maximize yield.
The bank had been laying out those ambitions well before this week's comments. In his April shareholder letter, Dimon described plans for Smart Cash to automate transfers between checking accounts and higher-yielding brokerage products, with AI eventually helping anticipate bills and budgeting needs.
That means Chase and Amazon are restricting outside AI assistants while developing their own tools to do some of the same tasks, raising questions about competition as well as security.
For users, that could mean keeping track of which tasks Muse can actually finish before handing them over. Until Meta secures more access, asking the assistant to do something may still leave you with work to do. The horror! Want more tech and digital culture news delivered to your inbox daily or sent straight to your device? Sign up for Mashable's Top Stories newsletter or get Mashable push alerts today.
Olivia Tauber is the deputy editor of digital culture, covering creators, media, movies, beauty, and more. Based in New York, her work has appeared in The New York Times, Vanity Fair, The Cut, Teen Vogue, Complex, and Interview Magazine. She holds a Master's degree in Journalism from NYU and a Bachelor's from the University of Michigan. She also runs Fan Mail, a weekly pop-culture newsletter.