Kurio: AI Money Assistant

An AI that reads your bank and proposes what to do next

21 followers

An AI that reads your bank and proposes what to do next

21 followers

Kurio connects to your bank through EU open banking and reads every transaction as it lands. Instead of a dashboard you interpret yourself, it interprets for you: catching a subscription price that went up and drafting the cancellation email, projecting your cash flow days ahead, and proposing one action at a time inside a daily conversation. You just say yes or no. Reachable from WhatsApp too. Built on European infrastructure: GDPR by design, inference in europe-west3, no US transfer.

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Launch tags:Android•Fintech•Artificial Intelligence

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Hey everyone, Vincenzo here, one of the two founders of Kurio. The problem started simply. I had money spread across a few accounts and I generally knew I was fine, but I never actually knew until I sat down and checked, usually after something had already gone wrong. A subscription price crept up for months before I noticed. That's not a discipline problem, it's a design problem, every finance app hands you data and expects you to turn it into a decision yourself, every day, forever. So we built Kurio to do that part. It reads your bank the moment a transaction lands, and instead of a chart, it tells you what changed and proposes what to do about it, cancel this, watch that, here's your safe to spend number this week. You approve or decline, that's the whole interaction. We're two founders working out of Dordrecht in the Netherlands, and we built this on European open banking rails from day one rather than adapting a US product, which mattered to us for something that touches a real bank account. We use it daily on our own accounts, it has to be right about our own money before we'd trust it with anyone else's. Would love to hear what you think, especially if you've tried other finance apps and given up on them. That's exactly who we built this for.

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2mo ago

Forum Threads

p/kurio-ai-money-assistant

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2mo ago

The AI that watches your money so you don't have to

Kurio reads your bank in real time via PSD2 and proposes what to do next, you say yes or no. Projects your balance 30 days out, catches subscription price creep, answers on WhatsApp. Read-only: it can see your money, it can't touch it.

p/kurio-ai-money-assistant

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2mo ago

How do you decide when an AI assistant should just act, versus ask you first?

We're a few days out from launching Kurio, an AI assistant that reads your bank account and proposes what to do next rather than just showing you data. Building it forced a decision we didn't expect to be this hard, for every single thing the assistant notices, at what point does it just do the thing versus stopping to ask.

Our answer ended up being a dial per topic rather than one global rule, silent, notify, propose, or auto, so the same assistant can watch your spending silently but always ask before it drafts a cancellation email on your behalf. Curious how other people building agents here have thought about this, especially anyone working on something that touches consequential stuff like money, calendars, or contracts. Where did the line end up for you, and did users push back on the defaults you picked?

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