Summary
ChatGPT is a general-purpose AI assistant — strong reasoning, no native access to your accounts.
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Summary
Clarity is an investor-grade workspace covering banks, brokerages, 125+ crypto exchanges, and 40+ chains, exposed through a read-only MCP server so ChatGPT, Claude, or any assistant can ground its answers in your actual portfolio instead of in a pasted PDF.
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose Clarity if
Investors and crypto holders who want their AI assistant — ChatGPT included — to answer real portfolio, cost-basis, and tax questions grounded in their live accounts.
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose Clarity if
Hybrid investors with both traditional and crypto assets
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose Clarity if
Privacy-conscious users who want full data deletion
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose Clarity if
Users who need a single net worth view across all accounts
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose Clarity if
Crypto holders who need cost basis tracking for taxes
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose ChatGPT if
Casual users who want a general AI to explain financial concepts, draft plans, or analyze a single statement they upload by hand.
Background links
- ChatGPT website - Official product site
- Clarity website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose ChatGPT if
Ad-hoc explanations of financial concepts and definitions
Background links
- ChatGPT website - Official product site
- Clarity website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose ChatGPT if
Drafting documents, planning frameworks, and budgeting templates
Background links
- ChatGPT website - Official product site
- Clarity website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Choose ChatGPT if
Users who want a general AI assistant that can read PDFs and CSVs they upload manually
Background links
- ChatGPT website - Official product site
- Clarity website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: coverage
Banks and brokerages via Plaid, 125+ live crypto exchanges via CCXT, 40+ chains via Alchemy with a curated DeFi protocol registry, plus an NFT layer.
Background links
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: coverage
No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
Background links
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: reliability
Queue-based sync with retries across Plaid, CCXT, and Alchemy. Dedicated workspace independent of any host AI.
Background links
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: reliability
ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
Background links
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: pricingPredictability
Flat Pro and Wealth tiers with explicit AI message budgets and a transparent credit top-up; no AUM-based fees.
Background links
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: pricingPredictability
Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
Background links
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: dataFreshness
Scheduled syncs with on-demand refresh, near real-time crypto pricing, and live on-chain reads through Alchemy.
Background links
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: dataFreshness
Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
Background links
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: historicalDepth
Imports up to 24 months of bank and brokerage history where providers allow, and indexes full wallet history from chain data.
Background links
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: historicalDepth
No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
Background links
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: exportReporting
Generates Form 8949, Schedule D, Schedule B/C/SE, Form 6781, Form 1040, CA-540, portfolio performance, transaction exports, and bill calendars from real ledger data.
Background links
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: exportReporting
No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
Background links
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: privacySecurity
Read-only MCP surface — no money movement capability anywhere in the product. Encryption at rest, no advertising business model today, no sale of personal information, account deletion initiated on request.
Background links
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: privacySecurity
Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
Background links
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Rubric: developerExperience
MCP server at /api/mcp (JSON-RPC 2.0, MCP protocol 2025-06-18) with OAuth scoping, per-client metering, per-tool audit logging, and a structured tool catalog.
Background links
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
Rubric: developerExperience
OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Background links
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
Deep dive: coverage
Clarity is built for people whose financial life crosses TradFi and crypto. Banks and credit cards via Plaid, brokerage holdings and performance, 125+ crypto exchanges via CCXT, on-chain holdings across 40+ chains via Alchemy, DeFi protocol positions, NFTs — all reduced to a single ledger an AI can query.
Background links
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: coverage
ChatGPT has no native finance data. You can upload a CSV of transactions or paste a brokerage statement, but every answer is bounded by whatever you took the time to provide. There is no continuous view of your accounts inside ChatGPT.
Background links
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: coverage
ChatGPT is excellent at reasoning about the finance data you hand it. Clarity is the layer that hands it that data — continuously, across every account.
Background links
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: exportReporting
Clarity's tax engine generates Form 8949, Schedule D, Schedule B/C/SE, Form 6781, Form 1040, and CA-540 PDFs directly from your ledger. Cost basis with FIFO, HIFO, and Spec ID, wash-sale rules, lot disposal, transfer detection across exchanges and chains, 1099-DA broker reconciliation, harvesting opportunities, and quarterly estimated-payment projections all live in the same data layer the MCP exposes.
Background links
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: exportReporting
ChatGPT can describe Form 8949, explain the wash-sale rule, and walk you through what numbers go where. It cannot reconcile a 1099-DA against your on-chain transfers or produce a signable PDF, because it has no ledger of its own.
Background links
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: exportReporting
For anything tax-relevant, the question is which ledger the AI grounds against. Clarity provides one; ChatGPT alone does not.
Background links
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: privacySecurity
Clarity's current MCP surface is read-only — the product was built before MCP existed and has no transfer functionality to expose. An AI assistant connected to Clarity can read your finances; it cannot move them. Every tool call is sanitized, audited per OAuth client, and revocable from settings.
Background links
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: privacySecurity
Pasting raw bank or brokerage statements into a consumer AI chat can expose them to training pipelines depending on the tier and opt-outs in place. Review OpenAI's current consumer and enterprise data-use terms before relying on chat history for financial workflows.
Background links
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: privacySecurity
A read-only MCP gives the AI grounded answers without the user having to paste sensitive PDFs into a chat window.
Background links
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Deep dive: developerExperience
Clarity's MCP server runs at /api/mcp on JSON-RPC 2.0 with OAuth via better-auth, per-OAuth-client metering, per-tool audit logging, and an explicit free-tier 402 paywall. ChatGPT — once connectors are configured — can call the same tools Claude and other MCP-compatible clients call.
Background links
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
Deep dive: developerExperience
OpenAI exposes a massive API surface, GPTs, and a connector ecosystem. The gap is data: there is no native OpenAI tool that aggregates your bank, brokerage, exchange, and on-chain holdings.
Background links
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
Deep dive: developerExperience
ChatGPT becomes account-grounded the moment an MCP like Clarity is connected. Until then, the depth of any finance answer is bounded by what the user pastes in.
Background links
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
FAQ: Can I just use ChatGPT for my finances by uploading statements?
You can — for one-off questions on a single statement. The friction shows up when balances change daily, when crypto and DeFi enter the picture, or when you need cost basis across exchanges. At that point, manually pasting files becomes the bottleneck and an account-grounded MCP becomes the right shape.
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
FAQ: Does Clarity work with ChatGPT?
Clarity exposes a standards-compliant MCP server with OAuth. Any MCP-compatible client — including ChatGPT once its connector flow is enabled — can read your accounts through it. The MCP is read-only by construction.
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
FAQ: Is it safe to paste my bank or brokerage data into ChatGPT?
It depends on the tier and your data-controls settings. Consumer and Enterprise tiers have historically had different training-on-content defaults; review OpenAI's current policy before pasting account data. Clarity's read-only MCP is designed precisely so users do not have to paste sensitive financial files into a chat window.
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
FAQ: What does ChatGPT do better than Clarity?
General reasoning, drafting, summarization, and explanation across any topic. Clarity is purpose-built for finance and does not try to replace the assistant — it gives the assistant a real ledger to ground against.
Background links
- Clarity website - Official product site
- ChatGPT website - Official product site
- ChatGPT — product page
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.
Trust and legal notes
OpenAI's consumer product does not offer first-party bank, brokerage, exchange, or on-chain wallet integrations. Finance answers are based on what the user uploads or what the browsing tool retrieves from the public web.
Background links
- ChatGPT — product page
- Clarity website - Official product site
- ChatGPT website - Official product site
- OpenAI — pricing
- OpenAI — policies
- Model Context Protocol — specification
- Clarity product
- Clarity pricing
- Clarity privacy policy
- Clarity terms
- Rubric evidence: ChatGPT coverage - No native bank, brokerage, exchange, or wallet integrations in the consumer product. Answers are bounded by what you paste in.
- Rubric evidence: ChatGPT reliability - ChatGPT itself is generally available, but financial reliability is bounded by whatever you uploaded — stale files yield stale answers.
- Rubric evidence: ChatGPT pricingPredictability - Free, Plus, Pro, and Business tiers are published. Predictable per-seat pricing; usage-based API costs sit separately.
- Rubric evidence: ChatGPT dataFreshness - Browsing tools can fetch live web data, but ChatGPT has no continuous account-data feed — your balances are whatever you last pasted.
- Rubric evidence: ChatGPT historicalDepth - No persistent ledger. Memory retains facts you tell it; it does not aggregate transaction history.
- Rubric evidence: ChatGPT exportReporting - No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. ChatGPT can describe these forms; it cannot generate them from your ledger.
- Rubric evidence: ChatGPT privacySecurity - Consumer and Enterprise tiers have different training-on-content defaults; users pasting account data should review the current policy and tier. No native account-level controls because there are no native accounts.
- Rubric evidence: ChatGPT developerExperience - OpenAI exposes a large API surface, GPTs, and connectors. Strong developer ecosystem, but you must bring the finance data — there is no native finance tool from OpenAI.