Early concept · April 2026
Every financial app tells you what to do. FinAgent does it for you — monitoring your full picture and acting within guardrails you set.
$2,400 swept from checking → high-yield savings
ExecutedCancel 3 unused subscriptions — save $47/mo
RSU exercise analysis ready — full scenario model attached for you or your advisor.
The average person juggles 5–7 accounts with no unified view and no one acting on their behalf. Tools either inform you (Mint, Copilot) or execute in one silo — nobody acts across your whole financial life.
An AI agent that monitors your complete financial picture and executes within guardrails you set.
Sweeps idle cash, cancels unused subs, optimizes bill pay, flags tax-loss windows — coordinated across accounts, not one app at a time.
Set limits once. Low-stakes, reversible actions run automatically; bigger moves wait for your clear approval flow.
Automatic moves, one-tap approvals for medium stakes, and full analysis when you — or a human advisor — need to make the call.
Three levels of agency. One product.
Low-stakes, reversible actions the agent runs on its own: cash sweeps, subscription cleanup, bill pay — within the guardrails you set once.
Medium-stakes moves prepared end-to-end. You review a concise summary and approve with a single tap.
High-stakes decisions — RSUs, refinancing, tax strategy. The agent builds the full analysis; you or a human advisor makes the call.
Open banking APIs (e.g. Plaid) with read + write across thousands of institutions, LLMs that reason over multi-variable money decisions, and real-time rails (FedNow, RTP) for movement when it matters.