Bluwhale, an AI and blockchain-based personal finance platform, has unveiled an AI-native financial operating system that automates users’ financial lives while keeping data ownership and account control with the user.
The platform connects bank accounts, wallets, brokerages, digital assets, and hundreds of financial products spanning both traditional finance and Web3 into a single unified execution layer. Unlike conventional budgeting or dashboard tools, Bluwhale deploys autonomous AI agents that actively manage savings, liquidity, subscriptions, investments, and digital assets in real time.
Central to the platform is WhaleScore, a live financial health score that measures a user’s overall financial position across savings, investments, liabilities, spending patterns, and digital assets.
The company describes its model as “agentic finance”, AI agents that operate continuously within permission-based controls set entirely by the user. These agents are capable of automating savings, optimising idle balances, handling subscription management, rebalancing investments, coordinating digital assets, and identifying inefficiencies across accounts and recurring costs.
A core feature is the AI Agent Store, a marketplace where users can find, deploy, build, and monetise autonomous financial agents. The store covers agents focused on savings automation, liquidity optimisation, subscription and idle balance management, investment balancing, yield optimisation, and digital asset coordination.
Users who build their own agents can also make them available to others through the marketplace and earn from them. Agents can be created in three clicks, with no coding required. Bluwhale is available for sign-up now, and users can trial the full application using virtual USDT, effectively paper money, without needing to connect real financial accounts.
Bluwhale develops technologies designed to help individuals better understand, manage, and benefit from their financial data in an increasingly AI-driven world.
Bluwhale CEO Han Jin said, “The emerging AI finance model creates a growing risk: centralized AI systems becoming gatekeepers of consumers’ financial lives. Users should be able to benefit from powerful AI automation without giving up ownership, privacy, or control.”
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