Your Multi-agent Digital Banker.
Empower your financial journey with real-time intelligence, a personalised Financial Health Score, and AI tools built for modern life.
Good morning
Thaer
Financial Health
82
Great, keep it up!
Net Worth
+12.4%
This Month
24,820 kr
Recent
ICA Maxi
Today
Salary
Apr 25
Espresso House
Yesterday
"Banking knows your money, Aspayr knows your life."
Our Vision
What we're building.
Aspayr is building a multi-agent digital banker, an AI-powered financial companion that can continuously analyze financial behavior, provide proactive recommendations, improve financial health, and orchestrate smarter financial decisions for individuals, while creating a scalable engagement and intelligence layer for banks, insurers, and financial institutions.
Capabilities
Capabilities that complement the user's app experience.
Aspy lives on the home screen: one pink ribbon for what's true, one alert card for what's urgent, and a sparkle button for what's next.
Multi-bank, multi-account, multi-currency
A 360-degree view of all bank accounts across EUR, GBP, USD, SEK, and NGN, aggregated, converted, and summed before the user opens the app, across 97+ banks via Yapily.
Aspy AI Assistant
Plain-language follow-ups. "Why is this happening?" "What should I do?" Aspy turns the user's question into a button across answers, briefings, and proactive insights.
Financial Health Score, daily
A 0-100 score across multiple dimensions, recalculated daily with a pink dial on home and drill-downs in Lite and Pro.
AI Interceptor & Behavioural Protection
Pre-transaction warnings such as "Your Safe to Spend is GBP X" keep users on the right trend and detect emotional or impulsive spend.
Aspayr Learn
Learning in 60 seconds, triggered by real transactions and spending patterns.
How it works
Future of finance is bespoke. From eID to your first Aspy briefing, in 90 seconds.
eID, such as BankID, plus social sign-in, secure account reading across 97+ EU banks, and a personalised briefing. Privacy by design throughout: no card data, no screen-scraping, GDPR-first.
eID Authentication & Profiling
Easy authentication with eID, such as BankID. A short onboarding flow captures behavioural context: goals, lifestyle, and risk appetite. Aspy starts with you, then links as many banks and accounts as you need via our secured PSD2-compliant bank aggregator.
Aspy Reads Your Accounts
Aspy leverages machine learning, behavioural modelling, and generative AI to transform raw transaction data into real-time financial intelligence, generating a dynamic Financial Health Score across multiple dimensions.
Briefing & Pre-spend Control
A home-screen briefing highlights what is true, urgent, and next, delivering actionable recommendations and pre-spend guidance in all languages through chat, voice, and the home ribbon.
From app install to first insight in under 2 minutes.
Who it's for
Built for both sides of the page
Whether you're tracking personal pace or running a small business, Aspy reads the numbers the same, and writes back in the language you need.
For Individuals
Take control of your money, improve your Financial Health Score, and make smarter decisions every day.
For Businesses
A full financial cockpit for SMEs, freelancers, and founders, from cash flow to AI-powered CFO insights.
The Aspayr ecosystem
One platform. Three products. Every dimension of your financial life.
Aspayr Finance
Your all-in-one financial intelligence hub. Aggregated accounts, AI insights, spending control, and your daily Financial Health Score.
Aspayr Hub
The SME financial cockpit. Real-time cash flow, payroll insights, multi-account management, and an AI CFO that scales with your business.
Aspayr Learn
Bite-sized financial education tailored to your profile. Build habits, grow knowledge, and level up from beginner to financially confident.
Our Moat
Four structural advantages, not a tagline.
Multi-agent system
An Azure AI Foundry-powered supervisor plus 10+ specialist agents, and growing, with their own memory and tools. Six months of orchestration work for any single-LLM competitor to replicate.
Pre-transaction interception & actions
Aspy intervenes between insight, intent, and purchase, not after settlement. Forecast plus behavioural detection in one pre-spend call.
Financial Health Score data flywheel
A user-owned, multi-dimension health score recalculated daily. At Nordic scale, it becomes a behavioural benchmark competitors cannot recreate without our users.
Gen Z & Millennial native
Built for anyone curious enough to ask their money better questions. Aspy meets users where they are: chat if they want a friend, dashboards if they want control.
Our moat isn't a market. It's three compounding layers: multi-agent architecture that sharpens per query, a behavioural data flywheel banks can't build, and EU regulatory depth across PSD2, AIS licensing, and eID that can't be shortcut.
Aspayr for Businesses
Your business deserves a smarter financial partner.
Built for SMEs, freelancers, and founders who need CFO-level clarity without CFO-level cost.
Real-time Cash Flow
Live visibility across all business accounts, instantly surfacing gaps and opportunities.
AI-Powered Insights
Automated reports, anomaly detection, and forward-looking recommendations powered by Aspy.
Unified Account View
Connect all business and personal accounts in one place via Open Banking, no more tab-switching.
Business Overview - April 2026
CFO-level clarity, in one cockpit.
+18%
Revenue
142k kr
Cash
87
FHS Score
Cash flow · Last 8 months
Global Statistics
Did you know?
of millennials consider themselves not financially confident
of millennials qualify as financially literate in the lowest income brackets
average health score lift among Aspayr users over 90 days
Our Purpose
We are strongly driven by the realization of the SDGs by 2030.
Financial empowerment is a human right. We are building the tools to make it universally accessible, starting with you.
Your AI partner for financial success.
Empower your financial journey with real-time intelligence, a personalised Financial Health Score, and AI tools built for modern life.