What Alinea does

Alinea Invest, Inc. is a New York-based, SEC-registered investment adviser that operates a mobile-first wealth management application targeted primarily at Gen Z first-time investors, with an explicit focus on women. Founded in 2020 by Eve Halimi and Anam Lakhani — both Columbia students who met during Wall Street internships — the company combines expert-built diversified portfolios, automated recurring investing and rebalancing, fractional share trading with $0 commissions, and a conversational AI copilot ("AI Allie") that explains market events and portfolio activity in plain language. Underlying infrastructure is provided through partner integrations: DriveWealth supplies brokerage execution and FINRA/SIPC custody (with up to $500,000 in account protection), Plaid powers bank linking, OpenAI powers chat, zerohash powers crypto trading (launched February 12, 2026), and Hotjar provides session-replay analytics.

The company monetizes through a flat $120 annual subscription that unlocks personalized expert-built portfolios, automated investing, human-advisor reviews, and an integrated education curriculum. Customer acquisition is direct-to-consumer and product-led: the iOS app is the primary onboarding surface, supplemented by founder-led Gen Z social-media engagement (TikTok, Instagram, YouTube, X, Facebook, LinkedIn), a referral/affiliate program (Give $50/Get $50, Give $20/Get $20, Fund & Win up to $1,000, Ambassador payouts up to $1,000 per referral), and earned media coverage in Forbes, CBS News, Business Insider, and Fortune. By April 2026 the platform reported over 2.5 million users and 2M+ App Store downloads alongside a 4.8-star rating from 32,150 reviews; cumulative disclosed funding totals roughly $36M+ across a 2024 seed (f7 Ventures, FoundersX, GFR), a 2025 Series A led by Play Ventures, and a February 2026 $22.5M user-acquisition credit facility from PvX Partners. The service is geo-restricted to US residents aged 18+, and the platform is Android-pending.

Name

Alinea

Legal name

Alinea Invest, Inc.

Website

https://alinea-invest.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Alinea Invest is a mobile-first, SEC-registered wealth management app that serves Gen Z first-time investors — primarily women — with expert-built portfolios, automated investing, fractional shares, and an AI copilot, monetized via a $120/year subscription.

Ownership category

akta.pro rank

Product category

Mobile Wealth Management

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)

akta.pro secondary industry

Robo-Advisors & Model Portfolios (Crypto) (FSADAHAD)

Keywords

• Retail investing app
• Wealth management platform
• AI investing copilot
• Fractional share trading
• Automated portfolio management

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Marketing or Sales, Technology or R&D, Personnel, Operations

Revenue model

1. Annual Wealth Management Subscription: Primary recurring revenue stream: $120/year flat fee billed annually and renewing automatically unless cancelled. Includes access to the regulated investment platform, personalized expert-built portfolios, automated investing, and a dedicated human advisor team. Cancellation takes effect at the end of the annual term; no refunds for unused time.
2. Premium Subscription Tier (planned): Per the 2022 businessinsider coverage, Alinea has signaled future monetization through a premium subscription offering on top of base features such as tailored investment recommendations and crypto trading.
3. Referral / Affiliate Program Economics: Referral promotions such as 'Give $50, Get $50' and 'Give $20, Get $20' (per legal/promo pages) drive viral acquisition. The Ambassador Program pays up to $1,000 USD per successful referral, effectively bootstrapping low-cost acquisition through affiliate economics.
4. Crypto Trading (facilitated by zerohash): Crypto trading is offered within the same regulated experience as stocks and ETFs, backed by zerohash's institutional-grade infrastructure — likely generating transaction-related revenue/fees for Alinea from the embedded crypto flow.

Pricing tiers

Go-to-market motion4 records

Distribution channels3 records

Marketing channels10 records

Core offering

Alinea operates a mobile-first investing app (iOS) that combines SEC-registered investment advisory services with a proprietary AI investing copilot ('Allie'), expert-curated diversified portfolios, automated investing and rebalancing, fractional share trading, and embedded crypto trading — all delivered through a self-serve app for first-time Gen Z investors at a flat $120/year annual membership. Brokerage execution and custody are routed through DriveWealth (FINRA/SIPC), bank linking via Plaid, and crypto trading via zerohash.

Product overview

Alinea operates a single unified consumer product — the Alinea Invest mobile app and website (alinea-invest.com) — which bundles a mobile investing platform with a number of integrated feature modules. The core platform is a personalized wealth-management app for first-time Gen Z investors, and it is composed of the following named offerings working together: AI Allie (the AI investing copilot that explains markets and assists with portfolio decisions), Expert-Built Portfolios (curated by finance professionals), Investment Playlists (themed stock/ETF collections such as sustainability and tech), Automated Investing (recurring contributions and rebalancing), Crypto Trading (powered by zerohash), Stock Profiles, Yearly Goals, AI Allie Recaps, and the Investing Potential calculator. Underlying brokerage custody is provided by DriveWealth (FINRA/SIPC), bank linking by Plaid, and crypto execution by zerohash, while an SEC-registered investment-advisory layer (Alinea Invest, Inc.) sits on top to deliver personalized advice for a $120/year membership.

Differentiator

Problem solved

Functional benefit

Brands

• AI Allie: An in-app AI-powered personal investing companion and chatbot offered by Alinea Invest to help users learn, invest, and manage portfolios.

Products and services

• Alinea Invest App (Annual Wealth Management Membership) Mobile-first investing and wealth-management application (iOS; Android waitlist) for first-time Gen Z investors, marketed as 'Investing as easy as texting.' Combines personalized expert-built portfolios, an AI copilot (AI Allie), automated investing and rebalancing, fractional share trading with $0 commissions, and embedded financial education. Backed by SEC-registered investment advisory services, FINRA/SIPC-protected brokerage via DriveWealth, and Plaid-secured bank linking. Priced at a flat $120/year annual fee.
• AI Allie (AI Investing Copilot) Conversational AI investing copilot (sub-brand with its own disclosures) that lets users ask plain-language questions about stocks, the Fed, market events, or social-media tips, and delivers real-time market insights, portfolio explanations, AI Allie Recaps, and personalized advice. Powered by OpenAI per the Privacy Policy.
• Crypto Trading Crypto trading capability launched February 12, 2026 in partnership with zerohash, allowing users to buy and sell crypto alongside stocks and ETFs in the same regulated experience. Backed by zerohash's regulated, institutional-grade crypto infrastructure. Became the platform's most popular product release in the past year at launch.

Quantifiable outcome

• Over 2 million app downloads on the App Store
• +5 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature7 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• zerohashflagshipTechnology or Integration · 12 February 2026zerohash provides institutional-grade, regulated crypto infrastructure enabling Alinea to embed crypto trading alongside stocks and ETFs in a single experience. The crypto launch on February 12, 2026 became the platform's most popular product release in the past year.
• DriveWealthflagshipTechnology or IntegrationDriveWealth is Alinea's brokerage partner and custodian (FINRA/SIPC member). DriveWealth provides the brokerage accounts, conducts KYC/identity verification, executes trades, and powers the account protection up to $500,000 (SIPC). Also works with Cash App, MoneyLion, Revolut.
• PlaidcoreTechnology or IntegrationPlaid powers Alinea's bank account linking flow. Same provider used by Venmo, Acorns, and Chime. Alinea does not store online banking credentials.
• OpenAIcoreTechnology or IntegrationOpenAI is referenced in the Privacy Policy as an AI provider powering Alinea's chat technologies (i.e., AI Allie). OpenAI may access and use information shared through online chats per the Privacy Policy terms.

Scale indicators13 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Acorns: Micro-investing and automated portfolio app for first-time retail investors with a subscription model. Closest direct competitor to Alinea in mobile-first, beginner-friendly wealth management.
• Stash: Subscription-based investing app aimed at beginner U.S. investors with curated portfolios, banking, and educational content. Direct overlap with Alinea's $120/year membership and Gen Z target.
• Ellevest: Women-focused digital wealth management platform. Most directly comparable to Alinea on the women-first Gen Z investing positioning and goal-based portfolios.
• Public: Social-leaning retail brokerage with fractional shares, crypto, and themed portfolios targeted at younger U.S. investors. Comparable in social/community GTM and multi-asset offering.

Broad incumbents

• Robinhood: Largest Gen Z-skewed U.S. retail brokerage with $0 commissions, fractional shares and an expanding wealth/crypto product set. Overlaps with Alinea on customer segment and core asset classes.
• Wealthfront: Established automated investing/robo-advisor with diversified portfolios and cash management. Comparable on automated portfolio management and fractional share mechanics.
• Betterment: Long-standing robo-advisor with goal-based portfolios, automated rebalancing, and human-advisor tier. Comparable on the SEC-registered adviser stack and subscription pricing model.

Emerging players

• Greenlight: Family-finance and investing app for kids/teens, with subscription pricing. Comparable in Gen Z parental/family wallet positioning and educational content-first approach.
• M1 Finance: Automated portfolio platform with 'pies,' fractional shares, and self-directed brokerage. Comparable on automated rebalancing and expert-built portfolio structures.
• Titan: Mobile-first investment app offering actively managed portfolios and crypto, targeting younger affluent investors. Comparable on subscription pricing and active-management angle.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/alineainvest_
• YouTubeyoutube.com/channel/UCdA3XZDqXGoAhwx94_c5dyA
• Facebookfacebook.com/alineainvest
• LinkedInlinkedin.com/company/alineainvest
• Instagraminstagram.com/alineainvest
• TikToktiktok.com/@alineainvest

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds5 records

Investors17 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Alinea