A Little Sloth Named Muse Is Coming for Your Gym Membership—and Your Bank Account

Meta's new AI assistant Muse has been downloaded 3.4 million times in its first three weeks, and the most telling detail might be what it has already found for early users: $730 in unclaimed Amazon store credit from three years ago, a $272 refund from a forgotten phone carrier switch, and over $4,000 in double charges, mystery fees, and missed discounts from a single user's medical provider. The pitch is disarmingly simple—give Muse access to your email, calendar, and financial accounts, and it will do the tedious work of finding money you did not know you were losing.

What Muse Actually Does

Muse is not a chatbot that answers questions. It is an "AI agent" that can act on your behalf across connected accounts. Within five minutes of signing up, users can link their calendar, email, iMessage, notes, Google Drive, and financial platforms like Plaid. From there, Muse can read messages, identify unused gift cards, spot overcharges, negotiate better prices, cancel subscriptions, and rebook travel. Meta has also partnered with dozens of companies including PayPal, Shopify, Expedia, Best Buy, Walmart, Instacart, and Fanatics, allowing Muse to interact directly with those platforms.