Aspayr
Aspayr is a multi-agent digital banking app that aggregates accounts across 97+ Nordic and European banks into a single real-time dashboard. The platform uses machine learning and generative AI to deliver a daily Financial Health Score (0–100), an AI assistant named Aspy for plain-language insights, and personalized 60-second financial lessons. Built with React Native for iOS and Android, the app offers PSD2-compliant, GDPR-first security with eID/BankID authentication and no card data access or screen-scraping.
- Financial Technology
- AI Agents
- Artificial Intelligence
- Data & Analytics
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Consumers and small businesses often struggle to get a clear, consolidated view of their finances when their money is spread across multiple banks and currencies. Traditional banking apps only show one institution at a time, making it difficult to understand overall financial health, track spending patterns, or receive timely, actionable guidance for better money decisions.
Solution
Aspayr provides a multi-agent digital banking app that aggregates financial accounts across 97+ Nordic and European banks into a single, real-time dashboard. The platform uses machine learning and generative AI to convert raw transaction data into a dynamic 360° view across multiple currencies, along with a daily Financial Health Score from 0–100. An AI assistant named Aspy delivers plain-language answers to questions like "Why is this happening?" and provides proactive briefings and pre-spend guidance through chat and voice. The app also offers Aspayr Learn, a feature that delivers 60-second financial lessons personalized to each user's actual transaction history and spending patterns. All data is secured through PSD2-compliant, GDPR-first architecture with eID/BankID authentication, and the company emphasizes that it does not access card data or use screen-scraping.
Target Audience
Primary users are individuals seeking to manage their personal finances more effectively, alongside small and medium-sized enterprises, freelancers, and founders who need a consolidated financial cockpit with AI-powered CFO insights.
Features
- Multi-bank, multi-currency aggregation across 97+ European banks, with automatic conversion and summation for EUR, GBP, USD, SEK, and NGN
- Daily Financial Health Score (0–100) recalculated every day across multiple dimensions, with drill-down details available in Lite and Pro tiers
- Aspy AI assistant providing plain-language financial insights, proactive briefings, and pre-spend guidance via chat and voice
- Aspayr Learn delivers bite-sized 60-second financial education content triggered by real transactions and spending patterns
- 10+ specialist AI agents operating under an "Aspy supervisor" architecture, spanning personal and business use cases
- Bank-grade security with PSD2 compliance, GDPR-first data handling, eID/BankID authentication, EU-hosted infrastructure, and no card data access or screen-scraping
- Built with React Native for iOS and Android, with onboarding from eID authentication to first personalized briefing in approximately 90 seconds