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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 7

WithAI

US est. 2026

Custom AI command centers that let hedge fund analysts research and manage portfolios with agents.

Raised
$500K
Stage
Seed
45

Alpaca

US est. 2015

Commission-free brokerage API for building AI-powered trading agents and fintech apps.

Raised
$352M
Stage
S-D
44

Fonoa

AI tax operating system that automates tax determination, ID validation, e-invoicing, and

Raised
$110M
Stage
S-C
44

Danelfin

ES est. 2019

AI stock selection platform that beat the S&P 500 by 74 percentage points since 2017.

Raised
$2.4M
Stage
S-A
43

Korso

US est. 2026

The intelligence layer for manufacturing that automates RFQs, supplier comms, and production exceptions.

Raised
$500K
Stage
Seed
43

Openroll

SE est. 2024

AI workforce that automates compensation, headcount, and budgeting for People and Finance teams.

Raised
$500K
Stage
Seed
43

FINNY

AI-powered prospecting and marketing platform built for financial advisors and RIAs

Raised
$21.3M
Stage
S-A
43

AppliedAI

AE est. 2023

Agentic AI for back-office automation in regulated industries

Raised
$55M
Stage
S-A
42

Wealth.com

AI-powered estate and tax planning platform for wealth management firms and financial advisors

Raised
$65M
Stage
S-B
42

Daylit

AI agents platform for accounts receivable that automates collections, dispute resolution, and

Raised
$110M
Stage
EQUITY AND DEBT
42

Truewind

AI-powered accounting and bookkeeping platform that automates financial document processing

Raised
$17M
Stage
S-A
42

Wealthy

est. 2016

Bengaluru-based wealthtech platform that gives mutual fund distributors a mobile-first toolkit

Raised
$14.5M
Stage
S-B
42

Kashable

US est. 2013

Kashable provides socially responsible financing and financial wellness solutions to employees as an employer-sponsored voluntary benefit.

Raised
$120M
Stage
SERIES C EXTENSION
41

Flex

All-in-one AI-powered financial platform for mid-sized businesses, unifying private credit

Raised
$60M
Stage
GROWTH
41

Conquest Planning

AI-powered financial planning platform that helps advisors deliver personalized, real-time

Raised
$80M
Stage
S-B
41

Kick

AI-native bookkeeping platform that automates accounting for small businesses and accounting

Raised
$20M
Stage
S-A
41

Magnifi

US est. 2018

AI investing copilot that lets you search and trade stocks and ETFs through conversation.

Raised
$21.1M
Stage
CONVERTIBLE NOTE
40

Maxima

AI-native accounting automation platform that deploys autonomous agents to handle the

Raised
$41M
Stage
SEED AND SERIES A
40

Adfin

London-based fintech building an agentic money-movement platform that helps businesses

Raised
$18M
Stage
S-A
40

Casca

(Cascading AI) is an AI-native loan origination system that automates small business and

Raised
$29M
Stage
S-A
40

Hyperbots

Agentic AI platform that builds deployment-ready co-pilots for finance and accounting

Raised
$6.5M
Stage
S-A
40

Pillar

US

Automated commodity and currency hedging for companies with physical commodity risk

Raised
$20M
Stage
Seed
39

LayerX

JP est. 2018

AI back-office automation for Japan's paper-heavy enterprises

Raised
$192M
Stage
S-B
39

Kavout

US est. 2015

AI financial research platform with patented Kai Score for stock discovery and ranking.

Raised
$7.8M
Stage
S-A
39