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Best AI Finance Tools

180 tools compared · 2026

AI inside fraud, underwriting, hedging, and compliance — operating under SEC, OCC, and FINRA scrutiny that no other AI category faces.

180 ai finance startups tracked, with the largest concentration in US. Total tracked funding: $12.8B.

Tracked
180
Total Raised
$12.8B
Countries
25
Active Deals
1

Editor's picks

6

Top by score

View all 180 →

Funding by year — AI Finance

2018 → 2026
$578M
’18
$338M
’19
$505.9M
’20
$500.6M
’21
$333.6M
’22
$623.8M
’23
$557.5M
’24
$3.3B
’25
$2.0B
’26

Market overview

Every other AI category gets to ship and iterate. AI Finance ships under the SEC's Marketing Rule, the OCC's third-party model risk guidance, FINRA's generative-AI scrutiny on retail brokerage, and the EU AI Act's high-risk classification for credit scoring. That regulatory perimeter is what makes this category — 17 companies, $791M cumulative — both smaller and more durable than its software peers.

The compliance perimeter is the product

Kensho — acquired by S&P Global at $550M cumulative — set the pattern: AI wrapped inside a regulated workflow that an incumbent then bought. Hebbia ($161M Series B, July 2024) targets investment memos and legal review with retrieval over private corpora; the moat is being usable inside a compliance department. Alloy anchors identity and fraud prevention for banks and fintechs with what it brands Actionable AI, adjacent to Stripe Radar and Ramp's in-house spend models. Kashable ($60M Series C, 2023) underwrites employer-sponsored consumer credit — every model decision needs an ECOA reason code attached. Pillar ($20M seed, April 2026) automates commodity and FX hedging for mid-market corporates that previously called Goldman or JPMorgan desks. Salv (Estonia) and Sardine sit on the AML and fraud-intelligence layer where 2026 enforcement is heaviest.

Where capital and regulators meet

The most active disclosed investors are Goldman Sachs Alternatives, Revolution, and EJF Ventures — a notably finance-native cap table compared with the generalist funds dominant in other AI categories. Goldman participation signals that strategic distribution and regulatory navigation matter as much as the underlying model. Geographically the category is 9 of 11 disclosed HQs in the US, with Estonia (Salv) and Canada (RBC Borealis AI) as the only non-US footholds, and a clear pull toward New York and Boston over the Bay Area. Bank-owned labs like RBC Borealis sit in the same buyer set as independent vendors.

What 2026 enforcement looks like

Regulators are moving from observation to enforcement. Expect SEC sweeps on robo-advisor model risk and the Marketing Rule's application to generative output; OCC guidance on bank use of third-party AI for credit decisions; FINRA scrutiny of generative chatbots in retail brokerage; CFPB attention on adverse-action explainability. Surviving vendors package model documentation, fair-lending testing, and audit trails as first-class features and pursue partnerships with incumbents (Goldman, RBC, S&P Global) rather than try to disrupt them.

Key trends 2026

  • Fraud and identity move from rules-plus-ML to agent loops. Alloy, Sardine, and Salv are shipping agentic resolution that handles cases end-to-end — raising fresh model-risk questions for bank examiners under OCC third-party guidance.
  • Underwriting under fair-lending scrutiny. ECOA adverse-action requirements and CFPB explainability pressure force every credit AI vendor — Kashable included — to ship reason codes alongside scores.
  • Robo-advisory faces SEC Marketing Rule examinations. Generative recommendations have to be validated and disclosed under existing rules that were never written for LLM output.
  • Bank-owned AI labs commercialize. RBC Borealis AI in Toronto and similar in-house labs ship product into the same buyer set as independents, narrowing the addressable market for pure software vendors.
  • Treasury and hedging copilots wrap bank desks. Pillar's $20M seed (April 2026) targets the work mid-market corporates previously paid Goldman and JPMorgan to do.

Benchmarks vs global

Companies tracked
17
fraud, identity, underwriting, hedging, compliance
Cumulative disclosed funding
$791M
excludes undisclosed totals and bank-owned labs
Top single raiser
Kensho $550M
acquired by S&P Global
US headquarter share
82%
9 of 11; Estonia (Salv) and Canada (RBC Borealis) the non-US footholds

Top countries

By startup count

Stage breakdown

Latest round type
  • Seed 73
  • Series A 44
  • Series B 16
  • Series C 7
  • Series D 6
  • Pre-Seed 6
  • IPO 3
  • Venture 2

Top investors backing AI Finance

See all →

FAQ

Frequently asked

What qualifies as AI Finance versus generic fintech?
Generic fintech builds the rails — payments, accounts, ledgers. AI Finance sits inside those workflows with model-driven decisions and inherits the regulatory weight of whatever surface it touches: SEC, OCC, FINRA, state DFS bodies, the EU AI Act for high-risk credit scoring. Stripe is fintech. Alloy and Kensho are AI Finance.
Which regulators matter most in 2026?
In the US, the SEC for advisory and disclosure (Marketing Rule applied to generative output), FINRA for retail brokerage chatbots, the OCC and Federal Reserve for bank credit and risk, the CFPB for consumer-credit explainability, plus state DFS bodies. Internationally, the EU AI Act adds a parallel layer for high-risk credit scoring.
Why are bank-owned labs in this category?
RBC Borealis AI in Toronto and similar labs ship commercial product into the same buyer set as independent vendors — they compete for the same budget at the same banks. Excluding them would understate competitive intensity. The labs are also a pipeline for talent and IP that flows back into bank-owned product roadmaps.
Which investors are most active here?
Goldman Sachs Alternatives, Revolution, and EJF Ventures lead disclosed deal counts — a finance-native cap table that contrasts with the generalist funds dominant in other AI categories. Goldman participation signals that strategic distribution and regulatory navigation matter as much as the underlying model.
Why is the cumulative funding total smaller than other AI categories?
$791M reflects disclosed cumulative across 17 tracked vendors. Several entries have undisclosed totals, and capital flowing through bank-owned labs and acquired companies (Kensho into S&P Global at $550M cumulative) is harder to attribute. The category trades headline capital for regulatory durability.

Recent rounds in AI Finance

All rounds →
Date Startup Round Amount
LeapXpert Other $180M
Jun 2026 Taktile Series C $110M
May 2026 Pace Series B $46M
May 2026 Mercury Series D $200M
May 2026 Fazeshift Series A $17M
May 2026 Kalshi Series F $1B
Apr 2026 Rogo Series D $160M
Apr 2026 Kashable Series C Extension $60M

All AI Finance startups

Page 2

Model ML

US est. 2024

AI workspace that automates investment banking and finance workflows

Raised
$87M
Stage
Seed
63

Agora

US est. 2024

Full-stack platform for stablecoin infrastructure

Raised
$62M
Stage
Seed
62

Serafis

United States est. 2025

Narrative intelligence and search for institutional investors

Raised
$500K
Stage
Pre-S
62

Ralio

United Kingdom est. 2026

Trust layer between AI agents and payment rails, with guardrails and audit trails

Raised
$2.5M
Stage
Pre-S
60

Avantos

US est. 2024

AI operating system for wealth and financial services firms

Raised
$35M
Stage
Seed
59

Corgi

US est. 2024

AI-native business insurance platform for startups

Raised
$108M
Stage
Seed
59

Accrual

US est. 2024

AI-native platform unifying tax prep and review for accounting firms

Raised
$75M
Stage
VENTURE
58

Lio

DE est. 2022

Multi-agent AI system automating enterprise procurement end to end

Raised
$30M
Stage
S-A
58

GreyLabs AI

IN est. 2023

Agentic voice AI for BFSI contact centers and conversation audit

Raised
$11.2M
Stage
S-A
58

Zest AI

US est. 2009

AI-automated credit underwriting for lenders

Raised
$350M
Stage
GROWTH
58

Alloy

US

The identity and fraud prevention platform for financial services, powered by Actionable AI.

Raised
$207M
Stage
S-C
57

Mercury

US est. 2017

Radically different online business banking for startups, small businesses, and scaling companies.

Raised
$700M
Stage
S-D
57

Anrok

US est. 2020

AI-native sales tax compliance platform for software companies

Raised
$100M
Stage
S-C
57

april

US est. 2021

Embedded, AI-powered tax filing and intelligence platform

Raised
$78M
Stage
S-B
56

Toku

CL est. 2020

AI-powered recurring payments and collections for Latin America

Raised
$20M
Stage
S-A
56

Hebbia

Verified
US est. 2020

AI for the world's most demanding work

Raised
$161M
Stage
S-B
55

Pricefx

US est. 2011

Cloud-native pricing optimization with AI rebate management.

Raised
$131M
Stage
S-C
55

Basis

US est. 2023

Autonomous AI agents built for accountants

Raised
$38M
Stage
S-A
55

Astor

US est. 2025

AI advisor for retail investors

Raised
$5.5M
Stage
Seed
55

Light

DK est. 2022

AI-native finance platform automating accounting and bookkeeping

Raised
$43M
Stage
S-A
55

Filed

US est. 2024

AI that automates the full lifecycle of tax returns

Raised
$17.2M
Stage
Seed
55

Knight FinTech

IN est. 2019

Banking and lending infrastructure for financial institutions

Raised
$23.6M
Stage
S-A
55

Mura

US est. 2024

AI that automates order-to-cash for commercial field service

Raised
$6M
Stage
Seed
55

Modus

est. 2025

AI-native audit technology platform and holding company that partners with established

Raised
$85M
Stage
S-A
55