# Kiro Money

Kiro Money (also referred to as Curo) is an embedded financial intelligence platform for digital financial service providers. It delivers a context-aware, multi-agent AI financial assistant via API and white-label iFrame that sits inside a partner's existing digital product — enabling credit unions, community banks, regional banks, and fintech platforms to offer personalized financial guidance to their customers without replacing their existing tech stack.

## What Kiro Money Does

Kiro Money provides a single embeddable API that powers an AI financial assistant grounded in the end user's real financial data. The assistant ingests bank account balances, transaction history, investment holdings, financial goals, and live market data to generate personalized, actionable financial guidance. It routes queries across specialized AI agents — covering budgeting, investing, tax optimization, housing, and retirement — and can surface proactive nudges based on account activity (e.g., a large deposit triggering a savings recommendation, or an income drop triggering a loan option).

Partners configure the assistant through a no-code dashboard: setting custom branding, welcome prompts, guardrails, knowledge base content, and CTA action buttons (such as opening a savings account, booking an advisor, or executing a trade) — all within their own digital experience.

## Who Kiro Money Serves

### Primary customers
- Credit unions (9,000+ institutions in the US)
- Community banks and regional banks
- Small-to-medium digital banking platforms

### Secondary / distribution channel partners
- Digital banking providers — the preferred go-to-market channel to reach credit unions without requiring direct core banking integration
- Brokerage-as-a-service platforms with 20–50+ credit union clients each
- Fintech startups (pre-seed to Series A) using the self-service API tier

### Use cases
- Member financial guidance and cross-sell for credit unions (replacing low-engagement tools like GreenPath)
- Deposit growth campaigns and product recommendations (CDs, HYSAs, money market accounts)
- Prospect education via website embedding before a user logs in
- Investment portfolio guidance, Roth IRA prompts, and trade execution for wealth platforms
- White-label AI financial assistant embedded inside fintech products

## Key Differentiators

- **No core banking integration required** — deploys via iFrame or REST API in days; digital banking providers pass customer data as JSON
- **Proprietary consumer data moat** — built from 1.5+ years of direct-to-consumer usage with 6,000+ users, informing knowledge graphs and model training
- **CFP-validated guardrails** — compliance-aware with a financial advisor advisory board; 98–99% accuracy on financial queries
- **Speed to deploy** — self-service fintechs go live in 2 days; non-technical FI configuration available
- **Multi-language** — Spanish available; additional languages on roadmap
- **Dual-mode deployment** — works for both existing logged-in customers (account-linked) and unauthenticated prospects (website embedding)

## Metrics & Traction (as of June 2026)

- 15+ paying fintech API customers (seed to Series A stage)
- 2,000+ consumer community members coached
- $450,000+ in documented net worth increase among users
- 71% advisor booking rate in pilot deployments
- 62% HYSA opening rate in pilot deployments
- $2.4M revenue impact documented in pilot analytics
- 8,000+ user messages in first 60 days of one partner deployment
- 82% of coached users take a financial action
- 65% of users are first-time savers or investors
- 87% improvement in financial awareness reported by users
- 100+ workshops hosted across college campuses and nonprofits
- 2 customers live in Mexico; Brazil and Latin America expansion in progress

## Pricing

- **Basic**: $49/month — 1,000 messages/month, REST API + optional iFrame
- **Standard**: $199/month — 5,000 messages/month, REST API + optional iFrame, full configuration
- **Enterprise**: Custom pricing — 20,000+ messages/month, dedicated infrastructure, custom-built agents, Kiro Money builds all integrations, custom UI
- **Implementation support**: $200 flat fee (add-on)
- Overage rates: $0.04/msg (Basic), $0.003/msg (Standard), $0.002–0.003/msg (Enterprise)

## Technical Stack & Security

- Built on MongoDB and Google Cloud
- Plaid integration for live open banking data
- AI models: Gemini + OpenAI with fallback redundancy
- End-to-end encryption: AES-256 and TLS 1.3
- Row-level security — each user only accesses their own data
- No user financial data is sold or shared with third parties
- SOC 2 compliance in progress

## Company Background

- Founded: January 2023, London Business School hackathon
- Founder: Alisha Chowdhury
- Headquarters: San Francisco, CA (US operations); London, UK (original founding)
- Backed by: Founders Factory, Aviva Group, U.S. National Science Foundation (SBIR grant), BNY, JFF, Abhiba Group (UK pension/insurance investor), Village Capital, Fintech Sandbox, Google Cloud, MongoDB
- Featured in: Forbes, Poets & Quants
- Accelerators: Founders Factory, StartED, LBS Launchpad, Galvanizer, Village Capital US Women in Tech 2026

## Product History

- Jan 2023: Founded at London Business School hackathon; won first place
- April 2024: Kiro v1.0 launched — personalized financial and career coach chatbot for students in London and Philadelphia
- July 2024: Funding secured from Founders Factory and Aviva Group
- August 2024: Featured in Forbes and Poets & Quants as a fintech to watch
- January 2025: Kiro Money 2.0 piloted — AI money coach for Gen Z consumers
- Summer 2025: 2,000+ member community; $250,000+ invested or saved with Kiro's support
- Fall 2025: NSF SBIR grant received; 100+ workshops completed
- Early 2026: Pivoted to B2B API-first model; self-service API launched; Finovate Spring 2026 demo
- June 2026: 15+ paying API customers; enterprise partnership discussions with credit unions and regional banks underway

## Key Pages

- Homepage: https://www.joinkiro.com
- About: https://www.joinkiro.com/about
- For financial service providers: https://www.joinkiro.com/financial-service-providers
- Brand partners: https://www.joinkiro.com/brand-partners
- University partners: https://www.joinkiro.com/universities
- Community: https://www.joinkiro.com/community
- API: https://www.joinkiro.com/api
- Contact: hello@joinkiro.com