Era is an AI‑native personal finance platform that aggregates users' bank accounts into a unified context accessible by any MCP‑compatible assistant such as Claude or ChatGPT. Through natural‑language prompts, users can query balances, spending, and portfolio health, and the system can execute transfers, rule‑based automations, or investment actions, while the Agency app proactively monitors accounts and triggers moves before the user opens the app.
Funding
$11M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
4OTKFounders
Product
Problem
Individuals must juggle multiple banking and financial apps, manually track transactions, and switch between platforms to get insights or automate actions, leading to fragmented data, missed opportunities, and frequent financial mistakes.
Solution
Era provides an AI‑native personal finance platform built on the open Model Context Protocol (MCP). Users connect their bank accounts to Era’s Context server, which aggregates balances, transactions, and metadata into a unified financial view that any compatible AI assistant (Claude, ChatGPT, Gemini, etc.) can query. Through natural‑language prompts, users can ask about spending, portfolio health, or set financial goals, and the AI can execute actions such as transfers, rule‑based automations, or investment trades. Era’s Agency companion app monitors accounts proactively, applying AI‑crafted pattern rules to detect anomalies, optimize cash flow, and trigger automated moves before the user opens the app. The platform emphasizes data security with bank‑level encryption, never sells user data, and offers a developer‑friendly MCP toolset for custom integrations.
Target Audience
Era targets tech‑savvy consumers and individual investors who use AI assistants for daily tasks, as well as financial advisors and developers seeking to integrate secure, AI‑driven finance capabilities into their services.
Features
- MCP‑based personal finance context that connects to up to 100 accounts and exposes read/write tools for any AI agent
- Natural‑language financial queries and actions handled by Claude, ChatGPT, or other MCP‑compatible assistants
- AI‑crafted pattern rules for auto‑categorization, anomaly detection, recurring‑charge drift, and automated money movement
- Agency app that continuously monitors accounts and executes proactive actions without user intervention
- Full financial metrics, AI delta analysis, and health trackers with edit history and undo capabilities
- Bank‑level encryption in transit and at rest, plus secure multi‑aggregator connections
- Open API and SDK allowing developers to embed financial context into custom workflows or developer tools