{
  "$schema": "https://agentsallowed.io/api/v1/schema/record.schema.json",
  "schema_version": "1.2.0",
  "found": true,
  "domain": "chase.com",
  "aliases": [],
  "brand": "JPMorgan Chase",
  "slug": "jpmorgan-chase",
  "category": "finance",
  "status": "none",
  "status_label": "No current access",
  "evidence": "brand_statement",
  "recommended_action": "do_not_proceed",
  "advice": "Agents can't currently use this site for the listed tasks (per its terms or technical measures, as sourced). Don't attempt them through the website on the user's behalf. If a listed official route covers the task, use it; otherwise let the user know they'll need to do it themselves.",
  "allowed_actions": {
    "browse": "not_applicable",
    "shop": "not_applicable",
    "book": "not_applicable",
    "login": "no"
  },
  "official_routes": [
    {
      "type": "open_banking",
      "type_label": "Open banking (read-only)",
      "name": "Read-only data via authorized aggregators (e.g. Plaid)",
      "status": "live",
      "url": "https://www.chase.com/digital/data-sharing",
      "note": "Read-only; no payments"
    }
  ],
  "agents_affected": [
    "Meta Muse",
    "Instinct",
    "Any agent using a customer's login"
  ],
  "summary": "Outside AI agents can't currently act inside Chase customer accounts. Agents can see balances through an authorized connector like Plaid, but can't move money or pay bills.",
  "observed": [
    "CEO Jamie Dimon said on the Oct 13 earnings call that outside agents would not get inside the bank.",
    "Read-only data via authorized aggregators (e.g. Plaid) still works; transfers and bill pay don't.",
    "Chase says customers should never give their username and password to anyone.",
    "Chase's Digital Services Agreement (effective Oct 27, 2026) bars External AI from using customers' login credentials but allows approved API access with the customer's authorization."
  ],
  "last_checked": "2026-11-03",
  "sources": [
    {
      "title": "Digital Services Agreement (External AI and login credentials)",
      "publisher": "JPMorgan Chase",
      "date": "2026-10-27",
      "url": "https://static.chasecdn.com/content/dam/legal-agreements/library/en/dsa_la/versions/dsa_la.pdf"
    },
    {
      "title": "Link apps to your Chase accounts securely (data sharing)",
      "publisher": "Chase",
      "date": "2026-11-03",
      "url": "https://www.chase.com/digital/data-sharing"
    },
    {
      "title": "JPMorganChase and Plaid Announce Renewed Access Agreement for Sharing of Consumer Permissioned Data",
      "publisher": "JPMorganChase",
      "date": "2025-09-16",
      "url": "https://media.chase.com/news/jpmorganchase-plaid-extend-data-access-agreement"
    },
    {
      "title": "JPMorgan blocks outside AI agents like Muse, Instinct from account access",
      "publisher": "CNBC",
      "date": "2026-10-13",
      "url": "https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html"
    },
    {
      "title": "Big Banks Won't Let Outside AI Agents Move Money",
      "publisher": "PYMNTS",
      "date": "2026-10-19",
      "url": "https://www.pymnts.com/news/artificial-intelligence/2026/big-banks-will-not-let-outside-ai-agents-move-money/"
    },
    {
      "title": "Scoop: Unvetted AI agents are accessing U.S. bank accounts",
      "publisher": "Axios",
      "date": "2026-10-22",
      "url": "https://www.axios.com/2026/10/22/ai-agents-banks-unauthorized-accounts-access"
    },
    {
      "title": "Websites are closing their doors to AI agents",
      "publisher": "The Verge",
      "date": "2026-10-17",
      "url": "https://www.theverge.com/ai-artificial-intelligence/1013195/ai-agents-blocked-web"
    }
  ],
  "history": [
    {
      "date": "2026-10-22",
      "change": "added",
      "status": "none",
      "note": "Initial record."
    },
    {
      "date": "2026-11-03",
      "change": "updated",
      "status": "none",
      "note": "Read-only route now points to Chase's own data-sharing page; added Chase's Digital Services Agreement and Plaid agreement."
    }
  ],
  "page_url": "https://agentsallowed.io/brands/jpmorgan-chase/",
  "api_url": "https://agentsallowed.io/api/v1/domains/chase.com.json",
  "disclaimer": "Informational only, not guaranteed and not legal advice. Not affiliated with JPMorgan Chase. Always follow the site's own terms. See https://agentsallowed.io/disclaimer/"
}