Hiro Finance was an AI-native personal finance startup that positioned itself as a copilot for everyday money decisions, combining bank account aggregation with LLM-powered planning and action across saving, spending, and bill management. The product aimed to move beyond passive dashboards by letting an agent reason about a user's full financial picture and take recommended actions on their behalf.
The company was founded in 2023 by Ethan Bloch, previously the founder of automatic-savings neobank Digit, which was acquired by Oportun for more than $200M in 2021. Hiro recruited a small, senior team of roughly 10 people drawn from consumer fintech and AI backgrounds, and it raised seed funding from Ribbit Capital, General Catalyst, and Restive Ventures.
On April 13, 2026, OpenAI confirmed its acquisition of Hiro Finance, structured primarily as a talent-and-technology deal to develop specialized financial agents inside ChatGPT. Hiro shut down its consumer app on April 20, 2026, and committed to deleting all user data by May 13, 2026. Financial terms of the acquisition were not disclosed.
For users today, Hiro is no longer a standalone product — its team and IP now sit inside OpenAI, where they are building finance-specific capabilities for ChatGPT rather than maintaining the original app. Former Hiro users were directed to download account data and seek alternatives such as Monarch, Copilot, Origin, or Cleo before the shutdown date.