Kiro Money

What is Kiro Money?

Kiro Money is an embedded financial intelligence platform for credit unions, community banks, and fintech platforms. It provides a white-label AI financial assistant delivered via API or iFrame that sits inside a partner's digital product, delivering personalized financial guidance to their members or customers without replacing the partner's existing tech stack.

Who is Kiro Money built for?

Kiro Money's primary customers are credit unions, community banks, and regional banks in the US. It also serves fintech startups via a self-service API, and partners with digital banking providers to reach credit union clients at scale without requiring direct core banking integration.

How does Kiro Money integrate with existing banking systems?

Kiro Money deploys via a REST API or iFrame embed and does not require core banking integration. Digital banking providers pass customer account data as JSON. This means a credit union or fintech can go live in days without replacing any part of their existing technology stack. Self-service fintechs typically launch in under 2 days.

What data does Kiro Money use to personalize responses?

Kiro Money ingests bank account balances, transaction history, investment holdings, and financial goals via Plaid (open banking integration), and combines this with live market data, housing data, and tax information. This real-time context allows the assistant to deliver guidance that is specific to each individual user's financial situation.

Does Kiro Money work with credit unions?

Yes. Credit unions are Kiro Money's primary market. Kiro Money is designed to help credit unions replace low-engagement financial education tools, grow deposits, and increase member cross-sell — all without requiring a direct core banking integration. Kiro Money can embed into a credit union's existing digital banking platform or website.

What results have Kiro Money partners seen?

In documented pilot deployments, Kiro Money has driven a 71% advisor booking rate, 62% HYSA opening rate, and $2.4M in attributed revenue impact. One partner saw over 8,000 user messages in the first 60 days. Among Kiro Money's consumer user base, 82% of coached users take a financial action, 65% are first-time savers or investors, and 87% report improved financial awareness.

How much does Kiro Money cost?

Kiro Money offers three tiers: Basic at $49/month (1,000 messages), Standard at $199/month (5,000 messages), and Enterprise with custom pricing for 20,000+ messages with dedicated infrastructure and full white-label build. An optional $200 flat fee covers implementation support. Overage rates range from $0.002 to $0.04 per message depending on tier.

Is Kiro Money secure and compliant?

Kiro Money uses AES-256 encryption and TLS 1.3 for all data in transit and at rest, built on Google Cloud and MongoDB with row-level security. User financial data is never sold or shared with third parties or used to train models without consent. SOC 2 compliance is currently in progress. The AI assistant uses CFP-validated guardrails with 98-99% accuracy on financial queries.