{"id":3650520,"date":"2026-04-14T06:41:55","date_gmt":"2026-04-14T10:41:55","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3650520"},"modified":"2026-04-14T06:41:55","modified_gmt":"2026-04-14T10:41:55","slug":"openai-buys-personal-finance-platform-hiro","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/acquisitions\/2026\/openai-buys-personal-finance-platform-hiro\/","title":{"rendered":"OpenAI Buys Personal Finance Platform Hiro"},"content":{"rendered":"<p><a href=\"https:\/\/openai.com\/\"><span style=\"font-weight: 400;\">OpenAI<\/span><\/a><span style=\"font-weight: 400;\"> has acquired artificial intelligence-(AI) powered personal finance startup <\/span><a href=\"https:\/\/hirofinance.com\/\"><span style=\"font-weight: 400;\">Hiro Finance<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" 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class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3650520\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/acquisitions\/2026\/openai-buys-personal-finance-platform-hiro\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"230\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p><span style=\"font-weight: 400;\">The deal will see Hiro&#8217;s team join OpenAI, founder <\/span><a href=\"https:\/\/www.linkedin.com\/in\/ebloch\"><span style=\"font-weight: 400;\">Ethan Bloch<\/span><\/a><span style=\"font-weight: 400;\"> said in a LinkedIn <\/span><a href=\"https:\/\/www.linkedin.com\/feed\/update\/urn:li:activity:7449516144237002752\/?originTrackingId=0PFOj5EiWZt8GYjZ3b9Rqg%3D%3D\"><span style=\"font-weight: 400;\">post<\/span><\/a><span style=\"font-weight: 400;\"> Monday (April 13). Bloch said the deal provides the opportunity to expand Hiro&#8217;s vision of creating an &#8220;AI personal CFO.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;For decades, personalized financial guidance has been too expensive, too generic or too hard to access. ChatGPT is finally changing that,&#8221; Bloch wrote.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;The mission that brought us to Hiro, and to Digit before that, has not changed: improving people\u2019s financial well-being. If anything, it feels even more important now.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Terms of the deal were not released. The company&#8217;s LinkedIn profile says it has under 50 employees. Founded in 2023, Hiro&#8217;s tool allowed users to plan their finances by gaming out various scenarios according to their income, debt and spending patterns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before Hiro, Bloch founded the aforementioned <\/span><a href=\"https:\/\/digit.co\/login\"><span style=\"font-weight: 400;\">Digit<\/span><\/a><span style=\"font-weight: 400;\">, a neobanking platform which provided <\/span><a href=\"https:\/\/www.pymnts.com\/acquisitions\/2021\/fintech-oportun-completes-acquisition-of-banking-platform-digit\/\"><span style=\"font-weight: 400;\">personalized savings<\/span><\/a><span style=\"font-weight: 400;\">, investing and banking tools. That company was acquired by FinTech <\/span><a href=\"https:\/\/oportun.com\/\"><span style=\"font-weight: 400;\">Oportun<\/span><\/a><span style=\"font-weight: 400;\"> in 2021 for $211 million.<\/span><\/p><div id=\"pymnt-3985207061\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p><span style=\"font-weight: 400;\">Bloch said Hiro would begin shutting down operations April 20, and would erase all data from its servers on May 13. Customers can export their data prior to the shutdown.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The acquisition follows OpenAI&#8217;s <\/span><a href=\"https:\/\/www.pymnts.com\/acquisitions\/2025\/openai-buys-personal-finance-app-roi\/\"><span style=\"font-weight: 400;\">purchase last year<\/span><\/a><span style=\"font-weight: 400;\"> of personal finance app Roi, with that company&#8217;s co-founder and CEO joining the ChatGPT maker.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWe started Roi 3 years ago to make investing accessible to everyone by building the most personalized financial experience,&#8221; <\/span><a href=\"https:\/\/www.linkedin.com\/in\/sujithv28\"><span style=\"font-weight: 400;\">Sujith Vishwajith<\/span><\/a><span style=\"font-weight: 400;\"> wrote in a post on X. &#8220;Along the way we realized personalization isn\u2019t just the future of finance. It\u2019s the future of software.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These deals come as experts are raising questions about a limit to AI&#8217;s ability to provide financial advice: it has no sense of <\/span><a href=\"https:\/\/www.pymnts.com\/artificial-intelligence-2\/2026\/mit-expert-finds-limits-in-ais-ability-to-offer-financial-advice\/\"><span style=\"font-weight: 400;\">fiduciary duty<\/span><\/a><span style=\"font-weight: 400;\">, meaning no obligation to act in a client\u2019s best interests.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe problem that we have to solve is not whether AI has enough expertise,\u201d <\/span><a href=\"https:\/\/mitsloan.mit.edu\/faculty\/directory\/andrew-w-lo\"><span style=\"font-weight: 400;\">Andrew Lo<\/span><\/a><span style=\"font-weight: 400;\">, a finance professor and director of the <\/span><a href=\"https:\/\/catalog.mit.edu\/mit\/research\/laboratory-financial-engineering\/\"><span style=\"font-weight: 400;\">Laboratory for Financial Engineering<\/span><\/a><span style=\"font-weight: 400;\"> at the <\/span><a href=\"https:\/\/mitsloan.mit.edu\/\"><span style=\"font-weight: 400;\">MIT Sloan School of Management<\/span><\/a><span style=\"font-weight: 400;\">, told CNBC last week. \u201cThe answer right now is, clearly, AI has the [financial] expertise.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But what they &#8220;don\u2019t have is that fiduciary duty,\u201d Lo added. \u201cThey don\u2019t have the ability to suffer consequences if they make a mistake to the same degree that a human advisor does.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Research by PYMNTS Intelligence has shown consumers are increasingly turning to AI for tasks like <\/span><a href=\"https:\/\/www.pymnts.com\/tracker_posts\/digital-first-retention-playbook-winning-gen-z-loyalty-at-credit-unions\/\"><span style=\"font-weight: 400;\">organizing their personal finances<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For instance, the data shows that <\/span><a href=\"https:\/\/www.pymnts.com\/credit-unions\/2025\/62percent-of-gen-z-turn-to-ai-for-financial-planning-guidance\/\"><span style=\"font-weight: 400;\">62% of Generation Z consumers<\/span><\/a><span style=\"font-weight: 400;\"> said they were willing to use AI for \u201cwhat if\u201d financial planning.<\/span><\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3650520;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>OpenAI has acquired artificial intelligence-(AI) powered personal finance startup Hiro Finance. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3625340,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67263],"tags":[8758,9498,9680,75091,7617,168350,9206,37751,6370,133069,5299],"class_list":["post-3650520","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-acquisitions","tag-acquisitions","tag-ai","tag-artificial-intelligence","tag-chatgpt","tag-fintech","tag-hiro-finance","tag-news","tag-openai","tag-personal-finance","tag-pymnts-news","tag-whats-hot"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>OpenAI Buys Personal Finance Platform Hiro<\/title>\n<meta name=\"description\" content=\"OpenAI has acquired AI powered personal finance startup Hiro Finance to expand Hiro&#039;s vision of creating an &quot;AI personal CFO.&quot;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/acquisitions\/2026\/openai-buys-personal-finance-platform-hiro\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OpenAI Buys Personal Finance Platform Hiro | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"OpenAI has acquired artificial intelligence-(AI) powered personal finance startup Hiro Finance. 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