Bluwhale
Bluwhale is a decentralized AI-native financial operating system that aggregates 80+ blockchains and 700M+ wallets into a unified profile scored by its WhaleScore index, serving individual consumers, developers, banks, and Web3 enterprises through an autonomous AI Agent Store and mobile verifier node network.
- Company typePrivate
- Founded2022
- HeadquartersSanta Clara, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Bluwhale does
Bluwhale AI, Inc. is a San Francisco-headquartered AI and blockchain company founded in 2022 by Stanford and Berkeley machine learning experts Han Jin and Adam Rowell, former TikTok AI specialists. The company operates a decentralized, AI-native financial operating system that aggregates user data across 80+ blockchains and 700M+ wallets into a unified profile scored by its proprietary WhaleScore index. Layered on top are autonomous AI agents — accessible through a marketplace called the AI Agent Store — that perform 24/7 financial actions including staking, portfolio rebalancing, yield optimization, lending, gas optimization, cross-chain aggregation, and on-chain trading via non-custodial smart-contract execution under user-defined permissions. The platform also offers Bluprint, a no-code agent builder, a mobile-first verifier node network (Master and Common Nodes sold as NFTs on Arbitrum), and the Oceanum L3 zk-rollup developed with Caldera for AI-optimized compute and zero-knowledge privacy.
The underlying technology stack combines multi-chain data aggregation, zero-knowledge proofs (Privacy Inference, Identity Embedding, Data Verification modules), bank-grade AES-256/TLS 1.3 encryption, and AI/ML pipelines powering predictive scoring, optimization, recommendation, anomaly detection (AML/CFT compliance), and generative agent creation. Revenue mechanics span four streams: Agent Store marketplace take rate, BLUAI utility token economics (10B total supply, issued by Cayman-registered Bluwhale Foundation), one-time node license sales (Master Node NFT at $329+ on Arbitrum), and strategic advertising/Intelligent Layer partnerships (e.g., ATT Global on Sui). Go-to-market is hybrid: product-led growth for consumers (free self-serve via Web3 wallet or social login), community-led via Discord/Telegram/X/Medium and Master Node referral rebates, API-first for developers, direct-to-consumer for the personal finance dashboard, and marketplace-driven through the Bitget exchange listing. Customer segments include individual consumers (Gen Z/millennial retail), banks and fintech partners, third-party developers/agent builders, stablecoin holders, and Web3 enterprises/dApps.
The company has raised approximately $117M+ across seed, strategic, and token-related rounds from investors including SBI Group, UOB Venture Management, Cardano, Animoca Brands, Gumi, Sygnum Bank, Azimut, and angels such as Haseeb Qureshi, Charles Huang, and Jack McCauley. Operations span 9 cities across 8+ countries including the US, Cayman Islands, BVI, UAE, Singapore, Hong Kong, Taiwan, and China, with the BLUAI token listed on Bitget (June 2026) and regulatory alignment to FATF, Cayman VASP, MiCAR, and GDPR.
Bluwhale firmographics
Firmographics- Name
- Bluwhale
- Legal name
- Bluwhale AI, Inc.
- Website
- https://bluwhale.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Bluwhale is a decentralized AI-native financial operating system that aggregates 80+ blockchains and 700M+ wallets into a unified profile scored by its WhaleScore index, serving individual consumers, developers, banks, and Web3 enterprises through an autonomous AI Agent Store and mobile verifier node network.
- Ownership category
- akta.pro rank
Bluwhale industry classification
Industry- Product category
- Decentralized AI Financial Platform
- NAICS
- Software Publishers (5132), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Custom Computer Programming Services (541511)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
- akta.pro primary industry
- Decentralized Lending & Borrowing Protocols (FSADAMAA)
- akta.pro secondary industries
- Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI), Developer APIs & Node Access (RPC providers, node infrastructure APIs) (FSAPABAC)
Keywords
Where Bluwhale is headquartered
LocationHeadquarters
- HQ city
- Santa Clara
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
Bluwhale business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Agent Store Marketplace Take Rate: Developers can create and deploy autonomous financial AI agents through Bluprint and list them in the Agent Store, earning revenue when subscribers use them. Bluwhale captures a marketplace commission / revenue share on agent transactions across the platform.
- BLUAI Utility Token Economics: BLUAI is the utility crypto-asset issued and stewarded by the Bluwhale Foundation (total supply 10,000,000,000 tokens). It underpins node mining rewards (20% of supply to Master nodes over 4 years), agent staking, governance, and platform fees.
- Verifier Node License Sales: One-time sale of Master Node (limited 100,000) and Common Node NFT licenses on Arbitrum using ETH; Master Node licenses start at $329 / 0.1242 ETH with tiered pricing. Each license grants lifetime mining rights and non-transferability for the first year.
- AI-Driven Advertising / Intelligent Layer Partnerships: Strategic partnership with ATT Global to build an "Intelligent Layer" on the Sui blockchain for AI-driven advertising in the Web3 ecosystem, enabling privacy-preserving, personalized engagement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Multi-year contract | Master Node license (NFT, lifetime access) |
| One time/ perpetual license | Multi-year contract | Common Node license |
| Freemium | Pay-as-you-go | Consumer app (Individuals) |
| Transaction based/ take rate | Pay-as-you-go | Agent Store developer monetization |
Go-to-market motion5 records
Distribution channels5 records
Marketing channels7 records
Bluwhale product offering
Product offeringCore offering
Bluwhale operates an AI-native decentralized financial operating system that aggregates users' bank, brokerage, crypto wallet, and subscription accounts into a single dashboard scored by its proprietary WhaleScore index. The platform hosts an AI Agent Store where users can deploy or build autonomous financial agents that automatically rebalance portfolios, stake, lend, optimize yields, and execute trades 24/7 across 80+ blockchains via non-custodial smart contracts. It also sells Master and Common Node NFT licenses on Arbitrum to power its decentralized verifier network, and provides a developer tier for third-party agent creators to monetize agents via the Bluprint no-code builder.
Product overview
Bluwhale operates a single unified AI-native financial operating system delivered through a core consumer Bluwhale Platform/App that aggregates bank accounts, wallets, brokerages, and digital assets into one profile scored by its proprietary WhaleScore index. Layered on top of this core are several modules and products: the AI Agent Store (marketplace of autonomous financial agents with pre-built agents such as the AI Stablecoin Agent, USDC/ETH/USDT Staking Agents, Lending Optimizer, Cross-Chain Aggregator, and Gas Optimizer), Bluprint (no-code agent creator), the Bluwhale Mobile Node App (mobile node operation), the Master & Common Nodes (decentralized verifier infrastructure), the Oceanum L3 zk-rollup built with Caldera on Arbitrum (multi-chain intelligence layer for AI workloads), the Bluwhale Questing Platform (user engagement), and the BLUAI utility token. The offering is also packaged into three solution tiers — Individuals, Partners & Institutions, and Developers — each surfacing the same underlying platform through a different lens (consumer dashboard, partner intelligence, and developer/Agent Store access respectively).
Differentiator
Problem solved
Functional benefit
Brands
- BLUAI: Utility crypto-asset issued and stewarded by The Bluwhale Foundation (total supply 10,000,000,000 tokens).
Products and services
- Bluwhale Platform / App Unified consumer-facing platform that connects bank accounts, wallets, brokerages, digital assets, and subscriptions into one profile with an overall WhaleScore financial-health rating and a dashboard where deployed AI agents manage money automatically.
- Bluwhale AI Agent Store Marketplace where users can discover, deploy, or create and monetize autonomous financial AI agents for staking, lending, portfolio rebalancing, gas optimization, restaking, cross-chain aggregation, whale tracking, macro analysis, perps trading, chain bridging, token analysis, and liquidity management.
- Bluprint No-Code AI Agent Builder No-code tool within the Agent Store that enables any user to design and deploy autonomous financial AI agents and earn revenue when subscribers use them; integrates with Bluwhale's intelligence layer aggregating financial data across 80+ blockchains.
- AI Stablecoin Agent Pre-built autonomous AI agent that scans multiple blockchain platforms to optimize stablecoin investments based on user profiles and performs automatic yield and trading strategies for individual investors.
- Bluwhale Mobile Node App Mobile web app that turns a smartphone into a one-click remote control for managing and running Bluwhale verifier nodes, decentralizing data contribution, governance, and verification for the AI network.
- Bluwhale Master & Common Nodes Verifier node licenses (ERC-721 NFTs) for the Bluwhale AI network. Master Nodes (limited to 100,000) provide premium rewards, community boosting, and group earnings; Common Nodes have 1/10 emissions and no boosting.
- Oceanum L3 zk-rollup
Quantifiable outcome
- 3.8M+ Total Unique Users across the platform
- +6 more outcomes
Companies that use Bluwhale
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Bluwhale technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability13 records
Feature10 records
Bluwhale partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship and core.
- BitgetflagshipCryptocurrency exchange (headquartered in Seychelles) that listed Bluwhale AI (BLUAI) for spot trading in its AI zone. BLUAI/USDT trading pair opened on June 18, 2026, giving Bluwhale access to Bitget's platform of 125M+ users across 150 regions.
- ATT GlobalflagshipCo-development partnership to build an "Intelligent Layer" on the Sui blockchain for AI-driven advertising in the Web3 ecosystem. Combines ATT Global's RWA advertising network with Bluwhale AI's AI agents to enable privacy-preserving, personalized engagement across real-world touchpoints.
- CalderaflagshipStrategic co-development partner building Oceanum, a custom L3 zk-rollup supporting AI application scaling on Arbitrum and other blockchains. The rollup aggregates, contextualizes, and provides privacy for AI agents, models, and LLMs, functioning as a multi-functional RAG system.
- Saltwater Games (XR One Network)coreFirst member of the Bluwhale Node Alliance; Saltwater Games' XR One Network is the first blockchain ecosystem focused on risk-based games of skill. Node Alliance communities receive 10% discount and exclusive early access to offerings. Saltwater's launch was planned for September 2024.
- Revolving GamescoreFirst member of the Bluwhale Node Alliance; mobile game network specializing in decentralized gaming and digital ownership (e.g., Skyborne Legacy). Node sale was already in full swing at announcement.
- EaseflowcoreNode-as-a-Service (NaaS) infrastructure partner providing the infrastructure kit and network to support Bluwhale Node Alliance partner nodes. One of the first NaaS providers to back the Node Alliance.
Scale indicators15 records
Recent moves8 records
Expansion highlights6 records
Bluwhale competitors and assessment
Company assessmentDirect peers
- Fetch.ai: Fetch.ai builds autonomous AI agents and a decentralized machine learning network for Web3 use cases including DeFi, trading, and data sharing, directly overlapping with Bluwhale's AI Agent Store, multi-chain aggregation, and autonomous financial agent positioning.
- Nansen: Nansen provides on-chain wallet analytics, labeling, and intelligence across multiple blockchains, directly comparable to Bluwhale's 700M+ wallet indexing, WhaleScore, and B2B intelligence layer for wallets and dApps.
- Alchemy: Alchemy is a leading Web3 developer platform and node infrastructure provider across many blockchains, comparable to Bluwhale's multi-chain intelligence layer, Oceanum L3 zk-rollup, and developer-facing Agent Store API access.
Broad incumbents
- Chainalysis: Chainalysis is the leading blockchain analytics and compliance platform, serving institutions and governments with on-chain data — a broader incumbent that overlaps with Bluwhale's Data Verification, AML, and compliance infrastructure but at a much larger enterprise scale.
- Plaid: Plaid is the dominant financial data aggregation and connectivity layer linking bank, brokerage, and fintech accounts — directly comparable to Bluwhale's consumer 'one view' dashboard connecting banks, brokerages, wallets, and subscriptions.
- Coinbase: Coinbase is a major consumer crypto exchange and increasingly an on-chain and AI agent platform, overlapping with Bluwhale's token listing (Bitget comparison aside), on-chain wallet profile, and consumer financial dashboard offerings.
- Robinhood: Robinhood is a consumer investing and crypto platform targeting Gen Z and millennials with simplified, AI-assisted experiences — a broad incumbent comparable to Bluwhale's 'Individual' solution tier aimed at fragmented-finance retail users.
Emerging players
- Helika: Helika provides on-chain analytics, user acquisition, and AI-driven personalization for Web3 games and dApps, closely aligned with Bluwhale's dApp engagement, Node Alliance gaming partners, and AI-driven wallet-to-wallet communication product.
- Crossmint: Crossmint offers APIs and infrastructure for building Web3 applications including wallets, payments, and AI agents — a developer-first platform with partial overlap to Bluwhale's Agent Store, Bluprint, and multi-chain data APIs.
- Ritual: Ritual is an emerging decentralized AI inference network and protocol, comparable to Bluwhale's Oceanum L3 zk-rollup for AI workloads, zk-proof privacy layer, and broader thesis of decentralized compute for AI agents and LLMs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Bluwhale social profiles
Digital presenceBluwhale compliance and trust
Trust signalCompliance4 records
Bluwhale financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bluwhale leadership team
Management profileNumber of profiles
Profiles2 records
Bluwhale subsidiaries and ownership
Company hierarchySubsidiaries1 record
Bluwhale funding detail
Funding detailFunding overview
Funding rounds6 records
Investors51 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bluwhale M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bluwhale
What does Bluwhale do?
Bluwhale operates an AI-native decentralized financial operating system that aggregates users' bank, brokerage, crypto wallet, and subscription accounts into a single dashboard scored by its proprietary WhaleScore index. The platform hosts an AI Agent Store where users can deploy or build autonomous financial agents that automatically rebalance portfolios, stake, lend, optimize yields, and execute trades 24/7 across 80+ blockchains via non-custodial smart contracts. It also sells Master and Common Node NFT licenses on Arbitrum to power its decentralized verifier network, and provides a developer tier for third-party agent creators to monetize agents via the Bluprint no-code builder.
Is Bluwhale a public or private company?
Bluwhale is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bluwhale founded?
Bluwhale was founded in 2022. It employs 11 to 50 people.
Where is Bluwhale based?
Bluwhale is headquartered in Santa Clara, United States, in the North America region.
How does Bluwhale make money?
Four revenue lines are on record. Agent Store Marketplace Take Rate is the primary driver. The others are BLUAI Utility Token Economics, verifier Node License Sales and AI-Driven Advertising / Intelligent Layer Partnerships.
Who are Bluwhale's main competitors?
Direct peers on record are Fetch.ai, Nansen and Alchemy. Broad incumbents are Chainalysis, Plaid, Coinbase and Robinhood. Emerging players are Helika, Crossmint and Ritual.
Does Bluwhale have an API?
Yes. Developers can build, launch, and deploy autonomous financial AI agents on the Bluwhale platform via the developer portal. The platform provides access to aggregated multi-chain financial data and allows distribution through the Agent Store. Node operators also use a verifier node client (mobile app and downloadable client) to run Master and Common nodes for the decentralized AI network. Developer documentation is at bluwhale.gitbook.io/bluwhaleai.
What industry is Bluwhale in?
Bluwhale's product category is Decentralized AI Financial Platform. Its primary akta.pro industry code is FSADAMAA, Decentralized Lending & Borrowing Protocols, with a secondary code of FSAPAEAI, Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers). Its NAICS code is 5132 and its SIC code is 6200.