Agents + Finance = Agence
12 AI agents analyze your complete financial picture simultaneously. A judge synthesizes their outputs into one ranked, actionable insight feed — streamed live as it reasons.
Where Agence is today
Every trade — paper or live — requires your confirmation before it executes; nothing runs unattended. Here's what works today.
Working now
- Bank sync via Plaid
- 12-agent AI insight feed
- Budgets, goals & expenses
- Trading + autopilot (paper and live, via your connected brokerage)
- AI chat with memory
- Household sharing
The Problem
Robinhood and Rocket Money both exist — but they don't talk to each other. Your spending behavior and your investment behavior are deeply connected, yet no mainstream product surfaces that connection. Agence does. When your dining spend spikes the same month your portfolio dips, Agence sees both and tells you. When you spend heavily with a company you don't own stock in, Agence flags the misalignment.
How It Works
The 12 Agents
Categorizes every transaction and compares month-over-month. Flags budget overruns before they snowball.
Most budgeting apps show you what happened. Agence tells you what it means.
Detects unusual charges — large one-offs, duplicates, and repeated identical amounts. Threshold adapts to your actual spending history (mean + 2σ).
Catches fraud signals and billing errors a static $500 threshold would miss.
Tracks pace toward each savings goal. Projects completion date based on current contribution rate.
Turns abstract targets into a live countdown with a clear verdict: on track or off.
Analyzes position concentration, unrealized P&L, and cash drag across all linked trading accounts simultaneously.
Surfaces the risks hiding inside a healthy-looking total return number.
Pulls real-time prices and news sentiment for watchlisted tickers. Detects market regime (bullish/bearish/volatile) from SPY and QQQ.
Connects live market events to your actual positions — not a generic feed.
Flags big movers (≥3% 24h change) and negative news sentiment on your tracked tickers.
Notifies you of significant moves in positions you're watching.
Evaluates rule-based triggers against live market conditions and generates trade signals for your account, paper or live. Feeds the background automation scheduler.
Lets you test strategies on paper, or trade for real, without manual order entry — you confirm before anything executes.
Finds the intersection of your spending and your investments — flags when you spend heavily with companies you don't own, or when your sector exposure doesn't match your actual behavior.
The signal no other tool surfaces: your wallet and your portfolio are often misaligned.
Identifies active subscriptions and recurring charges via Plaid's recurring stream detection. Warns you when a charge is due within 3 days.
Prevents the surprise of a forgotten annual renewal draining your account.
Compares current-month spending per category against your set budgets. Alerts at 80% and flags overruns.
Turns passive budget numbers into live warnings before month-end regret.
Detects credit card balances carrying interest at ~22% APR. Surfaces paydown priority based on balance size.
Paying down high-interest debt at ~22% APR is among the highest-certainty ways to reduce costs — most people never quantify what it's actually costing them.
Identifies tax-loss harvesting opportunities and large unrealized gains. Uses FIFO lot-matching on brokerage fill history to determine short- vs. long-term holding periods.
Tax-loss harvesting can reduce your tax bill. Most people never look.
Navigating the App
DashboardPortfolio equity hero, account selector, balances table, and your top AI insight. The one screen that tells you if today needs attention.InsightsRanked feed of everything the agents found — streamed live, sorted by severity. Dismiss or snooze any card. Click to deep-link to the source.Money → ExpensesFull transaction history with category bars, period filters, and CSV export.Money → BudgetsSet monthly spending limits per category. Live progress bars update as transactions come in.Money → GoalsCreate savings goals, track progress bars, and drag to reprioritize.Markets → PortfolioLive positions, P&L, and trade history across all linked accounts. Place orders directly from this page, on paper or live accounts.Markets → WatchlistAdd tickers to track. Real-time prices, 24h change, and news sentiment per symbol.Markets → AutomationsConfigure AI autopilot or custom rule-based strategies. Evaluated on a schedule — no page load needed — but you confirm each trade before it executes. Performance stats and sparklines per automation.ChatAsk anything: portfolio questions, transaction lookups, create automations by description, or get strategy advice with full context of your financial picture.AccountConnect bank accounts via Plaid, link your brokerage trading accounts, set budgets, manage household sharing.