How read-only Open Banking works in Lanhorz
Founding Members can connect UK banks via Open Banking so Lanhorz can read balances and transactions. Access is read-only for planning — not a blank cheque on your account.
What “read-only” means
Open Banking account information lets Lanhorz see balances and transactions you authorise through your bank’s consent screens.
That feed helps bills-first planning and Lilith coaching. It does not let Lanhorz spend from your card without a separate payment flow.
When money can move
Lilith can update in-app pots after you Confirm. Bank transfers only when TrueLayer Payments is enabled, you have payment consent, and you complete Confirm plus your bank’s SCA.
There is no unsupervised auto-send. Live card blocking is not available.
Demo vs early access
The public demo uses sample data. Live bank connections belong to early access accounts when Open Banking is enabled for your region and bank.