Your money, explained every morning.
A personal AI financial advisor, built end to end to be specific, sourced, and compliant by design.
- 3-step onboarding
- Briefing via WhatsApp
- Transparent rules, not AI guesswork
Daily Briefing
One morning message. Relevant to you.
Personalised to your ladder level
Every briefing starts from where you are on the Financial Ladder, so the next step is always one you can take.
Tailored to the assets you hold
News and market moves are filtered to your holdings, not the whole market.
Finpass
Illustrative example, not real data.
Tailored to your Risk Profile
Explanations and suggestions respect how much risk you are comfortable with.
Alert when an asset you hold moves sharply
A short alert lands in WhatsApp when something you own makes a notable move in a day.
The problem
You earn money, but how do you know your decisions are right?
Young professionals
Salary in, instalments out, savings so-so. You are not sure your money priorities are in the right order.
First-time investors
Plenty of info and opinions online, but nobody explains which ones matter for your situation.
Facing a big decision
Buying a home, retirement, a child's education. The stakes are high and you want clarity first.
How it works
Three steps, from form to WhatsApp.
1
Fill in your profile
A multi-step form with 6 sections and a clear progress bar.
2
Get Risk Profile + Level
You receive a Risk Profile and Financial Ladder Level from transparent rules.
3
Get the daily briefing
Every morning, a personal summary lands in your WhatsApp.
Section 2 of 6: Your finances
Financial Ladder
One ladder, one priority at a time.
Click or hover a step to see its priority.
You are at Level 4, 32% to Level 5
Illustrative example of the progress display.
Transparency
Rules decide, AI explains.
Numbers and financial decisions come only from an auditable rule engine. AI only explains them in human language.
- Audit trail: every decision traces back to its rule.
- Consistency check: AI explanations are matched against rule-engine output.
- No silent penalties: no score drops without an explanation.
AI is composing the explanation...
Risk Profile
Ability and willingness to take risk are two different things.
We assess capacity (how much risk your finances can bear) and willingness (how comfortable you are with swings), then combine them.
- Conservative
- Moderate
- Aggressive
Adapted from Grable-Lytton, not a validated psychometric instrument.
Willingness (left to right)
Capacity (bottom to top)
Who it's for
Anyone who wants to start in the right order.
New employee
First salary, unsure where to begin. Start with an emergency fund.
First-time investor
Already have an investing app, need honest context and explanations.
Big-decision planner
Saving for a home, retirement or a child's education.
Security & Privacy
Your data, your control.
Consent first
We ask for your consent before collecting any data.
Right to delete
Under Indonesia's PDP Law No. 27/2022, you can request deletion of your data.
Skip if you prefer
Sensitive questions offer a “Prefer not to answer” option.
WhatsApp opt-in
Briefings are only sent if you choose to receive them.
For Partners
Bring the financial companion to your users.
For banks, asset managers and employers who want to offer financial wellness to customers or employees.
- Banks
- Asset managers
- Employers (HR financial wellness)
FAQ
Frequently asked questions.
Is this investment advice?
No. We provide financial guidance and education. Investment decisions are entirely yours.
Is my data safe?
We ask for consent up front, offer a right to delete under PDP Law No. 27/2022, and you may skip sensitive questions.
Can I stop any time?
Yes. WhatsApp briefings are opt-in and you can stop them at any time.
Does it support sharia?
You can set a sharia preference during onboarding so explanations and suggested actions adapt.
Why WhatsApp?
It is the app you already open every day, so you do not need yet another app for the briefing.
Does AI decide my financial decisions?
No. Numbers and decisions come from an auditable rule engine. AI only explains them.
Climb your financial ladder. Start today.
Finpass provides financial guidance and education, not investment advice. Investment decisions are entirely yours.