A new kind of financial intelligence
Est. 2026 —
San Francisco

Financial
intelligence that knows you.

A personal financial advisor that connects to your real accounts, remembers everything, and thinks ahead with you — without the minimum balance required to get in the door.

No credit card required.
FIG. 01 — A complete picture
NEW THINKING / 001
THRIVE / LEDGER
Your complete picture, in one place that actually thinks.
Checking— 4 accounts
Investments— 3 accounts
Retirement— 2 accounts
Debt— 1 account
Connected · Persistent · Forward-looking
● LIVE
§ 001 — Belief
Our premise
For decades, the people who needed financial guidance the most had the least access to it. The minimum balance isn't just a business model. It's a gate.
The wealthy don't have better investments.
They have better thinking.
— Connected
An advisor who knows your complete picture — every account, every obligation, every goal — not just the one you asked about.
— Contextual
Advice calibrated to your life, your timeline, your actual risk tolerance. Not a hypothetical person in your income bracket.
— Forward-looking
Models decisions before you make them. Asks the questions most people never think to ask. Thinks ahead with you, not about you.
§ 002 — Method
The question behind the question

A mediocre advisor answers the question asked.
Thrive answers the one underneath.

— 6 emotional states
State 01 — Anxiety
— What they say
"Am I saving enough?"
— What they mean
"Am I going to be okay?"
Thrive listens for this.
§ 003 — Product

Three things separate reactive management from intelligent planning.

Not features. Capabilities. Each one useless without the other two.
— 01
Connected accounts

The complete picture, not the partial one.

Every checking, savings, brokerage, retirement, and debt account — in a single view that actually thinks across them. Most people have five accounts and one problem: no one is watching all of them at once.
— Average accounts per Thrive user
7.4
— 02
Persistent memory

Remembers everything. Forgets nothing.

Your goals from six months ago. The raise you mentioned in February. The house you're saving for in three years. Thrive keeps its own record of your financial life so you never have to explain yourself twice.
— Context retained per conversation
∞
— 03
Forward-looking

Models decisions before you make them.

"What happens if I max my 401(k) instead of paying off the car?" Thrive runs the scenario against your actual numbers, your timeline, your risk tolerance — and tells you what it sees. With reasoning, not a chart.
— Scenarios modeled per decision
As many as it takes
§ 004 — Thinking
What it sounds like

Not a chatbot.
A thinking partner
with a long memory.

This is a real exchange — the kind Thrive is built to have. It remembers what you said last time, knows what's in your accounts, and has a point of view. Not a feature list. Not a disclaimer.
Connected accounts
Persistent memory
Forward-looking
Thrive / April 20, 2026
THINKING LIVE
§ 005 — The gap
The wealth gap is a thinking gap

The tools that actually work required a minimum balance to access.
That's over.

— What they got

A dedicated advisor. The complete picture. Decisions modeled before they were made.

  • ✓Knows every account you hold
  • ✓Remembers goals across years
  • ✓Models scenarios against real numbers
  • ✓Has a point of view, not just a report
Minimum balance: $2M+
— What everyone else got

A dashboard that tells you where your money went. And leaves the rest to you.

  • →Charts of last month
  • →Alerts when you overspend
  • →A filing cabinet, well organized
  • →No point of view — ever
Minimum balance: $0 · Thrive
"Wealth belongs to everyone."
— Our founding belief, and the one we're building toward.
§ 006 — Category
Where Thrive sits

Smart-in-general is everywhere.
Smart-about-you is almost nowhere.

— Tracking apps
Organize your data. Show you where your money went. A well-organized filing cabinet.
Character
Reactive
Thinks
Knows you
— General AI
Brilliant, but generic. Answers financial questions the way a textbook does — the same way for everyone.
Character
Intelligent
Thinks
Knows you
— Thrive
Intelligence that's been living with your accounts for months. Knows what you told it in February. Answers are about your life.
Character
Intelligent about you
Thinks
Knows you
§ 007 — Questions
Questions you might have

Ask anything.
We'll answer
the question
underneath too.

No. Budgeting apps look backward and tell you where your money went. Thrive looks forward and helps you decide what to do next. The category is different — this is financial intelligence, not expense tracking.
Through the same bank-grade connections your other financial apps use (read-only). You authenticate directly with your institution; Thrive never sees or stores your login. You can disconnect any account at any time.
The goals you told it about last February are still there in April. The conversation you had in January informs the recommendation it gives you today. Every interaction compounds — the product gets more useful the longer you use it.
For the 97% of people who were never going to have a human advisor anyway — yes, and a substantial upgrade from the status quo. For people with genuinely complex situations, Thrive works alongside a human advisor and makes those conversations dramatically more productive.
Pricing will be announced when we open public access. The design constraint is simple: if the minimum balance was the gate, we're not replacing it with price as the gate. This is for everyone.
Your financial data is yours. It's encrypted end-to-end, never sold, and never used to train models for anyone else. Read the full privacy posture before you connect anything. If that's not enough, don't connect anything.
§ 008 — Begin
Available now

The gate is down.

Thrive is live on iOS. Connect your accounts in minutes — no minimum balance, no waitlist.
Download on the App StoreDownload Thrive →
Requires iOS 18.5 or later.