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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 3

Nevis

US est. 2025

Unified AI platform that automates back-office workflows for RIAs and wealth advisors.

Raised
$40M
Stage
S-A
54

Freya

US est. 2025

Voice AI for Enterprises

Raised
$4M
Stage
Seed
54

Sphere

US est. 2023

AI-native global tax compliance engine for sales tax, VAT and GST

Raised
$21M
Stage
S-A
54

Fazeshift

US est. 2023

AI agents that automate accounts receivable and finance ops

Raised
$22M
Stage
S-A
54

Samaya AI

US est. 2022

Expert AI agents that automate research for investment professionals

Raised
$43.5M
Stage
S-A
54

Coinflow

US est. 2022

Global stablecoin payments with instant settlement

Raised
$25M
Stage
S-A
54

Natural

US est. 2025

Payment infrastructure for AI agents

Raised
$9.8M
Stage
Seed
54

DualEntry

est. 2024

AI-native ERP platform built for the mid-market that automates up to 90% of manual accounting

Raised
$100M
Stage
S-A
54

Kensho

Verified
US est. 2013

AI for financial intelligence and analytics

Raised
$123M
Stage
ACQUISITION
53

Gradient Labs

GB est. 2023

Procedural AI agents that deliver specialist customer support for regulated industries.

Raised
$13M
Stage
S-A
53

Casap

US est. 2023

AI automation for payment disputes and first-party fraud

Raised
$33.5M
Stage
S-A
53

Eloquent AI

GB est. 2023

AI Operator automating customer operations for financial services

Raised
$7.4M
Stage
Seed
53

Aiera

US est. 2018

AI platform that unlocks financial research

Raised
$48M
Stage
S-A
53

Magie

Brazil est. 2024

São Paulo-based AI fintech offering a financial assistant that lives inside WhatsApp

Raised
$5.1M
Stage
Seed
53

Stacks

est. 2024

AI platform for enterprise accounting teams that automates operational finance workflows

Raised
$30M
Stage
S-A
53

Numeric

US est. 2020

AI accounting platform for finance teams

Raised
$89M
Stage
S-B
52

Borderless AI

CA est. 2023

AI-native Employer of Record for global hiring

Raised
$32M
Stage
STRATEGIC
52

Pace

US est. 2024

Agentic AI replacing insurance BPO work — submissions, policy servicing, claims and data entry.

Raised
$56M
Stage
S-B
52

Crunched

est. 2025

Excel AI analyst for Power Users

Raised
$6.5M
Stage
Seed
52

Zalos

GB est. 2025

Computer Agents for Finance tasks like reconciliation, in your system!

Raised
$4.1M
Stage
Seed
52

Selfin

US est. 2025

Building the first AI Bank

Raised
$900K
Stage
Seed
52

Veritus

US est. 2025

AI agents for the consumer lending industry

Raised
$10.6M
Stage
Seed
52

Steward

US est. 2024

AI-first AML platform for complex investor onboarding

Raised
$5M
Stage
Seed
52

Farsight

US est. 2023

AI that builds complete pitch books, models and memos for dealmakers

Raised
$16M
Stage
S-A
52