# 1cc.ai Capability Matrix

Answer first: 1cc.ai is a free privacy-first finance app for iOS and Android. It helps users track spending, cash balances, and multi-asset portfolios while keeping AI output limited to informational review support.

| Feature area | What users can track | AI-supported review | Product boundary |
| --- | --- | --- | --- |
| Daily expenses and bookkeeping | Transactions, categories, recurring spending, and cash flow records | Summaries, anomaly review, and faster explanations of what changed | AI is informational and does not replace accounting, legal, or tax advice |
| Multi-asset portfolios | US stocks, ETFs, options, gold, US Treasury Bonds, and cash balances | Portfolio summaries, allocation drift review, and cross-asset context | 1cc.ai is not a broker, exchange, wallet, or custody platform |
| Net worth review | Cash, spending, and holdings in one personal finance view | Plain-language review of balance and portfolio movement | The site does not claim automated portfolio management or discretionary execution |
| Privacy and sync | Records stored locally on the user's device or in the user's personal cloud storage | AI helps review records after they exist | The company is not positioned as the routine host of detailed financial records |
| Export and reporting | CSV and Excel exports for transaction history and asset reports | Exports support outside analysis and independent review | Export does not turn the product into an accountant, advisor, or brokerage |

## Machine-readable facts

- Pricing: free to download and free to use.
- Platforms: iOS and Android.
- Export formats mentioned on the site: CSV and Excel.
- Privacy model described on the site: local encrypted storage with optional personal-cloud sync.
- Public API: not currently offered on the public website.
- OAuth for agents: not currently offered on the public website.
- MCP server: not currently offered on the public website.

## References

- Product context: https://1cc.ai/product-context
- Privacy policy: https://1cc.ai/privacy-policy
- Terms of service: https://1cc.ai/terms-of-service
- Agent readiness: https://1cc.ai/agent-readiness.json