Cleo

About Cleo Cleo is the world's first AI financial assistant, an intelligent chatbot that helps over 8 million users budget, save, build credit, and access cash advances through conversational AI.

The platform connects securely to users' bank accounts via Plaid, analyzing spending patterns, categorizing transactions, and delivering brutally honest financial coaching with a witty, relatable personality tailored for millennials and Gen Z.

Cleo's machine learning engine processes over 82 million transactions daily, powering features like Autopilot automated money management, Debt Reset consolidation dashboards, Money IQ gamified financial literacy quizzes, and high-yield savings at 2.75% APY.

Subscription tiers including Plus, Pro, and Builder unlock cash advances up to $250, credit score monitoring via Equifax, secured credit-building cards issued by WebBank, and early paycheck access through direct deposit with Thread Bank.

Users interact entirely through natural language chat and two-way voice conversations, while Cleo's long-term memory and advanced reasoning deliver increasingly personalized guidance over time.

Cleo's behavioral finance approach has driven 20x higher engagement than typical banking apps, with $129 million in cumulative user savings from challenges and over $300 million in annual recurring revenue.

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