What we are building today

From a one-stop shop to a private banker in everyone's pocket

Our vision was to bring every financial product under one roof. AI makes a much bigger one possible, so we changed it.

Money is broken. Most people's wealth sits in products they did not choose, with fees they cannot see, and a private banker costs more than they will ever pay. We are putting one into everyone's pocket: the same quality of advice for a €10K saver and a €10M client.

Like Henry Ford didn’t build faster horse carriages, he challenged the status quo by inventing the first mass-produced car (Ford T).

“If I had asked people what they wanted, they would have said faster horses” Henry Ford

One engine behind it: Jack

Jack takes a customer's assets, goals and risk appetite and turns them into a plan. It powers Finary AI, the financial agent everyone gets in the app, and Advisor OS, the operating system our wealth advisors use. The same engine serves both, which is why a €10K saver gets the reasoning a €10M client pays for.

What the customer gets

• Clarity, on what you have. A consolidated, real-time view of their financial life. Accurate measurement is what makes every decision after it possible.
• Guidance, on where you are going. Goals, an investor profile that matches them, and an AI that structures decisions over time rather than answering one question at a time.
• Action, making the decisions real. Self-service products with transparent pricing, or bespoke advice from our in-house advisors. Action is never the starting point, it is the outcome of the first two.

The flywheel, and why tracking is free

1. Savers add all their financial accounts, for free
2. They share their whole financial context
3. Every data point makes Finary AI smarter
4. Better advice moves money onto our investment products
5. Happy savers invite more savers, and the wheel spins faster

Tracking is free for everyone, and that is not a giveaway. It is the entry to the loop. Subscribers pay for unlimited Finary AI and near-free investing instead, so our customers get their best deal by investing with us.