The first financial app built on a real AI model.
PILVI is a financial intelligence app built on a proprietary large language model developed exclusively for financial reasoning and decision coaching. Developed by PILVI Financial Inc. Launching on iOS in 2026.
PILVI launches first in Ohio and Florida. Join the waitlist from any U.S. state — we’ll let you know when PILVI arrives in your area.
Tracking your money is not the same as understanding it.
For years, finance apps have been good at showing you what already happened. Your spending last month. Your subscriptions, listed. Your net worth, plotted. The actual work of figuring out what to do was still left to you.
PILVI does the analysis for you. Not a tracker with nicer charts — an intelligence engine that reads your accounts, finds what matters, and explains in plain English the decisions in front of you.
An Intelligence Engine that reads your accounts. PILVI is the first product built for it.
How it works
Connect your accounts
Securely link your bank, credit card,and savings through Plaid — the same service used by Venmo, Chime, and Robinhood. Read-only access only. PILVI only ever reads your data. AEGIS only ever reads your data. We never move money, never make changes, never act on your accounts.
Tell PILVI what matters
Tell PILVI what you want help with — finding forgotten subscriptions, watching bills before they hit, surfacing idle cash, flagging suspicious charges. Two quick questions and AEGIS knows where to focus.
Get clear answers
PILVI analyzes your accounts, finds the opportunities you would miss, and explains your options in plain English — every recommendation backed by the math you can verify yourself. You always decide. You always act.
PILVI works for you every day.
The average household loses hundreds of dollars every year to forgotten subscriptions, late fees, and cash sitting in zero-interest accounts. PILVI finds those leaks and shows you exactly how to fix them — clearly, with the math behind every recommendation.
Spot forgotten subscriptions
PILVI finds recurring charges you no longer use — you cancel in two taps
See bills before they hit
PILVI surfaces what is coming so you are never surprised by a late fee
Find idle cash
PILVI shows you exactly where money is sleeping in zero-yield accounts and what it could earn
Catch duplicate and suspicious charges
PILVI reviews every transaction and flags what looks wrong
Watch your credit utilization
PILVI tracks your credit utilization from live data and shows where it stands against healthy thresholds.
.png)
Built to keep your money safe.
Read-only access
PILVI only ever reads your data. We never move money, never make changes, never act on your accounts.
Bank-level encryption
AES-256 encryption at rest. TLS 1.3 in transit. Your bank credentials never touch our servers — handled exclusively by Plaid.
All explained
PILVI shows you the math behind every recommendation in plain English. Verify anything yourself.
Your data is never sold
We do not sell your data. We do not share it with advertisers. PILVI-FIN-1 is trained exclusively on synthetic financial data — never your real account data. If we ever introduce optional model training in the future, it will be opt-in only with 30 days notice.
One plan. Two ways to pay.
See what PILVI finds in your finances — free. Unlock the full plan to keep exploring. Nosuccess fees, no percentage of savings, no hidden charges — ever.
PILVI surfaces savings opportunities in your actual spending — often many times the annual subscription cost
No success fees. No bill negotiation charges. No surprise debits. Cancel in two taps from inside the app, no questions asked.
14-day satisfaction guarantee. Don't love PILVI? Email us within 14 days for a full refund — no questions asked.
Common questions.
Hiro Finance shut down in 2026. PILVI is the most direct replacement for AI-powered financial coaching.
If you were a Hiro user, PILVI is the most direct replacement for AI-powered financial coaching.
PILVI is built on AEGIS-FIN-1 — a proprietary large language model developed exclusively for financial reasoning — connected to your real bank data through Plaid.
It explains the reasoning behind every finding.
PILVI launches on iOS imminently. Join the waitlist above.
Rocket Money, Mint, and YNAB track and display your financial data.
PILVI coaches the decisions in front of you — using a purpose-built AI model connected to your actual bank data, not a general-purpose chatbot.
The key difference: PILVI explains its reasoning on every finding. You see what PILVI found and exactly why it matters for your specific financial situation.
Not generic advice. Not a dashboard. Intelligent financial decisions — specific to you.
PILVI runs on PILVI-FIN-1 — a proprietary large language model developed by ZORRZ Financial Inc. exclusively for financial reasoning and decision coaching.
It is not ChatGPT. It is not a general-purpose AI adapted for finance.
It was built from the ground up for one purpose: intelligent financial decisions.
The system is protected by 5 USPTO provisional patent filings covering 139 claims.
We are launching publicly in 2026. Join the waitlist and you will get an email the day PILVI goes live — plus early access before public launch.
No. PILVI is an AI analytics engine that helps you understand your finances and make better decisions. For specific investment, tax, or legal advice, consult a licensed professional.
Yes. PILVI uses Plaid (the same service used by Venmo, Chime, and Robinhood) to read your account data. Your bank login details never touch our servers. All data is encrypted in transit and at rest. We never move money or take actions on your accounts.
No. PILVI charges only the stated subscription price. We do not negotiate bills, we do not take a percentage of your savings, we do not charge for actions. Just clear intelligence.
PILVI analyzes your financial data to give you personalized intelligent feedback. Your data is never sold. We never train AI models on your identifiable financial information. You can disconnect or delete your account anytime in two taps.
No. PILVI is read-only. It analyzes your accounts and gives you intelligent feedback. We never move money, never make changes, never act on your accounts. You decide everything.
$12.99/month or $99/year (saves $56.88 — equivalent to 2 months free). One flat subscription, no success fees, no hidden charges. Cancel anytime from inside the app.
Through Plaid, PILVI supports 12,000+ U.S. banks and credit unions including Chase, Bank of America, Wells Fargo, Capital One, Citi, Ally, SoFi, Charles Schwab, and most major institutions.
Yes — in two taps from inside the app. No retention calls, no email hoops, no friction. Cancel and your subscription ends at the end of the current billing period.
Yes, PILVI can be wrong — that's why every recommendation shows the math you can verify yourself, and PILVI always defers to your decision. PILVI is a coach, not an autopilot.
PILVI launches first in Ohio and Florida. We're working with regulators to add states throughout 2026 and beyond. Join the waitlist from any U.S. state — we'll email you the moment PILVI launches in your area.
Your account data is processed by PILVI-FIN-1, our proprietary model running on our own infrastructure. Bank credentials never touch our servers — handled exclusively by Plaid. We do not sell data, we do not share with advertisers, and we do not train AI on your identifiable financial information.
PILVI is a financial wellness coaching app. We are not a licensed financial advisor, broker, or money services business — and we explicitly do not provide investment, tax, or legal advice. For those questions, PILVI will direct you to a licensed professional.
If you move to a state where PILVI is not yet available, your access continues until your current subscription period ends. After that, your account pauses until PILVI launches in your new state.
Be first when
PILVI launches.
Join the waitlist. Get an email the day PILVI goes live — plus achance at early access before public launch.