SAN FRANCISCO, CA
As AI moves from answering questions to managing money, Bluwhale launches a platform built around user ownership and control.
Bluwhale today announced the launch of its AI-native financial operating system, designed to automate and coordinate users’ financial lives while keeping them in control of their data, accounts, and permissions.
As AI assistants rapidly expand into personal finance, many emerging platforms require users to hand over broad access to spending behavior, financial accounts, and transaction history in exchange for automation and recommendations. Centralized AI players such as OpenAI, Anthropic, or xAI among others are demanding these transactions.
Bluwhale is taking a different approach.
The platform combines autonomous AI agents with blockchain infrastructure and leveraging zero-knowledge proof technology designed to preserve privacy, ownership, and user control. It connects wallets, bank accounts, brokerages, digital assets, and hundreds of financial products across both traditional finance and Web3 into a single execution layer and unified financial system.
Rather than functioning as another passive dashboard or budgeting app, Bluwhale’s AI agents actively help manage savings, liquidity, subscriptions, investments, and digital assets in real time.
“The emerging AI finance model creates a growing risk: centralized AI systems becoming gatekeepers of consumers’ financial lives,” said Han Jin, CEO of Bluwhale. “Users should be able to benefit from powerful AI automation without giving up ownership, privacy, or control.”
For years, personal finance apps have focused on dashboards and budgeting tools, helping users monitor financial activity while leaving the actual management of money fragmented across multiple accounts and apps.
Bluwhale is designed to move beyond financial visibility toward continuous financial coordination and automation across banking, investing, payments, subscriptions, savings, and digital assets. At the center of the platform is WhaleScore, a real-time financial health score designed to measure a user’s overall financial position across savings, investments, liabilities, spending activity, and digital assets.
New AI finance without centralized control
Bluwhale describes its approach as “agentic finance” — autonomous AI agents capable of continuously managing and optimizing finances within transparent, permission-based controls defined by the user. Its AI agents can help automate savings, optimize idle balances, manage subscriptions, rebalance investments, coordinate digital assets, and identify inefficiencies across accounts and recurring expenses.
The company’s AI Agent Store is where users can discover, deploy, build, and monetize autonomous financial agents.
The marketplace includes agents focused on:
- savings automation
- liquidity optimization
- subscription and idle balance management
- investment balancing
- yield optimization
- digital asset coordination
Users who develop their own agents can offer them to others in the AI Agent Store and get paid. Agents can be created with just three clicks – no coding necessary.
The Agent Store is part of a broader shift away from static financial apps toward continuously operating AI-driven financial systems.
“We’re moving from apps people open to agents people deploy,” Jin continued. “As AI takes on a larger role in financial management, security, permissions, and ownership become increasingly important.”
Blockchain as the trust layer for AI finance
Bluwhale’s blockchain-based infrastructure provides transparent permissions, cryptographic security, and user-controlled access across financial activity and AI automation. Users determine what agents can access, what actions they can take, and how financial activity is coordinated, a contrast to centralized aggregation models where sensitive financial data, account visibility, and automation authority are concentrated inside a single platform.
This combination will define the next generation of consumer financial platforms: AI for intelligent automation, paired with decentralized infrastructure designed to preserve user ownership and financial autonomy.
“The future of AI finance will ultimately come down to who controls the permissions,” Jin said.“AI may become the interface layer for finance, but blockchain becomes the trust and security layer underneath it.”
More simply:
Your money has agents now — but you still control them.
Bluwhale is available for signups now here. Bluwhale allows users to test out the entire financial application using virtual USDT – ‘paper money’ to see how it works, what the AI agents can do, and get a real demonstration of its capabilities — all without using actual financial accounts.
About Bluwhale
Bluwhale develops technologies that help individuals better understand, manage, and benefit from their financial data in an AI-driven world. By combining advances in artificial intelligence, digital identity, and decentralized infrastructure, Bluwhale is building financial experiences centered on transparency, user control, and long-term financial empowerment. For more information, visit www.bluwhale.com.
MEDIA CONTACT
Erica Zeidenberg
PR for Bluwhale