Updated · October 18, 2026
Where Muse is blocked
AI agents that act on your behalf scare the biggest institutions. Here's the running list of who's said no to Muse — and what still works on each front.
The block list
🏦 JPMorgan Chase — Oct 13, 2026
CEO Jamie Dimon on the Q3 earnings call: no outside agent gets inside customer accounts — "too risky for clients and for JPMorgan." Named: Meta Muse and Instinct. "You don't want rogue agents, and it could be thousands of them."
What works: read-only balances via Plaid/open banking. What doesn't: transfers, bill pay, anything that moves money. No timeline for change.
🛒 Amazon — since launch
Amazon blocks Muse from shopping on amazon.com. No official reason given; likely the same bot-detection that trips up agents across the web.
What works: Best Buy, Gap, Sephora, Walmart, Wayfair — Muse shops and checks out on your behalf there.
⭐ Yelp — Oct 17, 2026
Yelp told TechCrunch it only allows AI agents that pay for its data licensing program. No license, no listings — the first major site to put agent access behind a paywall instead of a wall.
What works: nothing through an agent, unless the agent's maker pays Yelp. What doesn't: restaurant search, reviews, and business lookups via Muse, Grok, or Dots.
✈️ Delta Air Lines — Oct 17, 2026
Users report agents can't complete Delta ticket bookings, but Delta hasn't stated an outright ban: it says it has no partnership or integration letting third-party agents shop or book its flights, and is "continuing to evaluate." The only airline named in the October 17 reporting.
What works: searching schedules and fares for information. What doesn't: completing a booking through an agent — buy on delta.com or in the app yourself.
🏦 Charles Schwab (plus Citi, BofA) — Oct 17, 2026
Schwab confirmed it blocks agents from reaching customer accounts on security grounds, joining JPMorgan. CEO Rick Wurster told investors on Oct 15 (per American Banker): "there's one way we think is not safe, and that's just an agent coming to our site and trying to log in on behalf of a client. We are not going to allow that." Citigroup and Bank of America have imposed similar blocks, per FT reporting — banks fear agents moving deposits around chasing yield.
What works: read-only data where supported. What doesn't: any agent touching your brokerage or bank accounts.
Unconfirmed: users report Cars.com and Amtrak stopped working with their agents after previously working — neither company has confirmed an agent policy. Treat as anecdotal until confirmed.
What "liability transfer" means for you
Dimon's warning in plain English: if you give an outside agent your bank credentials and it does something unwanted, the bank may say that's on you. JPMorgan's CFO put it bluntly — customers who share credentials could be liable for what follows. Three rules:
- Never paste your bank password into a chat with any agent — use official connectors (Plaid) instead.
- Read-only access is the safe default: let Muse see balances and transactions, never move money.
- For bill pay and transfers, keep doing it in your bank's own app until banks open secure agent channels.
3 prompts that stay inside the safe zone
Everything a bank will let Muse do with your money.
Read-only money brief
Using my connected accounts (read-only): give me this week's balances, flag any unusual transactions, and tell me which subscriptions renewed. Do not move any money.
Bill-pay prep, not execution
Find every bill due in the next 14 days from my email. For each: amount, due date, and whether I've paid it before. Prepare the list — I'll pay them in my bank app myself.
Spending autopsy
Categorize last month's transactions from my connected accounts. Where did the money go, and what's the one category I should cut? Read-only analysis only.
Why this keeps happening
It's not just Muse. Dimon's stance echoes an earlier fight: JPMorgan moved to charge data middlemen like Plaid for access, pitting bank security against tech firms' demand for data. McKinsey warned in April that banks face disintermediation if agents move customer money chasing better rates — Chase savings pays 0.01% while competitors pay ~4%. The strategic question, per BofA analysts: who owns the agent, the wallet, and the customer relationship. Meanwhile JPMorgan is building its own agent (Smart Cash, in pilot) — blocking outsiders while building insiders.
The commercial stakes are rising fast. The WSJ cites BrightEdge data showing agent-driven purchases up roughly fourfold since April, growing 43% a month — yet only 3% of e-commerce companies let agents complete transactions. Sites see the traffic coming and are setting up the toll booths now: Yelp's paid data-licensing program is the template others will copy.
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Not affiliated with Meta. Sources: CNBC (Oct 13, 2026), TechCrunch / The Verge reporting via syndicated outlets (Oct 17, 2026), WSJ via BrightEdge data, FT via DigitalToday, Banking Dive, bank statements. This page is updated as new blocks appear.