Moka
Intelligent Investing (formerly Moka) is a Canadian fintech mobile app that serves individual long-term investors with a discipline-first capital allocation system combining managed and self-directed investing accounts, behavioral design tools, and an AI research environment.
- Company typePrivate
- Founded2017
- HeadquartersMontréal, Canada
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Moka does
Intelligent Investing (formerly Moka, and originally Mylo) is a Canadian fintech that operates a discipline-first capital allocation system targeted at individual long-term investors. The platform is delivered through a mobile application distributed via the Apple App Store and Google Play, serving Canadian retail customers who prioritize patient, structured capital allocation over active trading. The company is headquartered in Vancouver and operates as a wholly-owned subsidiary of Orion Digital Corp., with three regulated corporate entities handling distinct functions: IntelligentInvesting Financial Technologies Inc. (the operating technology entity), IntelligentInvesting Wealth Management Inc. (a registered portfolio manager with the Autorité des Marchés Financiers as principal regulator), and IntelligentInvesting Securities Inc. (a CIRO-regulated investment dealer and CIPF member offering self-directed accounts). The corporate structure was assembled partly through the 2017 acquisition of Tactex Asset Management Inc.
The core product combines managed investing accounts — built around a disciplined, market-based core portfolio as the default — with self-directed investing accounts staged for launch, all wrapped in a structured decision process requiring every capital allocation to be thought through, documented, and understood in terms of risk. The technology stack layers Portfolio Intelligence (Flagship and Income categories), Wealth Modeling for multi-decade projection, and a Signal Over Noise dashboard on top of a behavioral design layer intended to surface impatience, narrative chasing, and overconfidence. Fiscal.ai, a third-party AI-powered research environment, is bundled with membership to support business analysis without generating investment recommendations. Pricing is a $20 monthly subscription plus a 0.10% annual fee on managed portfolio assets, with no commissions and no FX markup.
Go-to-market is product-led growth via self-serve mobile app distribution, supported by content marketing on the owned web property and organic social presence across Instagram, TikTok, X, and YouTube. Customer segments are persona-based — long-term individual investors and disciplined self-directed investors — rather than logo-based. Scale indicators include 100K+ Google Play downloads with 8.28K reviews at 4.0 stars and 17K Apple App Store ratings at 4.4 stars. The company has raised approximately $10.5M across disclosed rounds from 2015–2019, with investors including Desjardins Venture Capital, NAventures, Ferst Capital Partners, and Tactico; no external equity raises appear in the source material since 2019, suggesting parent-funded operations.
Moka firmographics
Firmographics- Name
- Moka
- Legal name
- IntelligentInvesting Financial Technologies Inc.
- Website
- https://moka.ai
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Intelligent Investing (formerly Moka) is a Canadian fintech mobile app that serves individual long-term investors with a discipline-first capital allocation system combining managed and self-directed investing accounts, behavioral design tools, and an AI research environment.
- Ownership category
- akta.pro rank
Moka industry classification
Industry- Product category
- Personal Investment Management
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Software Publishers (5132)
- SIC
- Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward) (FSAAACAJ)
- akta.pro secondary industries
- Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG), Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)
Keywords
Where Moka is headquartered
LocationHeadquarters
- HQ city
- Montréal
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Moka business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription Fee: Monthly subscription fee of $20 per month with cancel anytime policy. Primary recurring revenue stream.
- AUM-based Management Fee: 0.10% annual fee charged on managed portfolios. Revenue scales with assets under management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Membership - $20/month |
| Subscription | Annual | Managed Portfolio Fee - 0.10% annual |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Moka product offering
Product offeringCore offering
Moka (now Intelligent Investing) operates a discipline-first capital allocation system delivered through a self-serve mobile investing app for individual Canadian investors. The platform combines managed investing with professional AI-powered research via Fiscal.ai and a structured decision process designed to drive decades-long compounding. The company is a subsidiary of Orion Digital Corp. and rebranded from Mylo to Moka in 2020, then to Intelligent Investing in 2025.
Product overview
Intelligent Investing (formerly Moka) is a unified capital allocation system offered by IntelligentInvesting Financial Technologies Inc. The platform consists of two primary service modes: Managed Investing (professionally managed accounts with a disciplined core portfolio) and Self-Directed Investing (user-controlled accounts). Both modes operate within a single integrated system that includes Fiscal.ai, a professional-grade AI research environment. The platform also organizes portfolios into Flagship and Income categories, provides Wealth Modeling tools for long-term projections, and features a distraction-free Signal Over Noise dashboard. The system is designed to reduce behavioral error and enforce long-term disciplined investing through structural design rather than motivation.
Differentiator
Problem solved
Functional benefit
Products and services
- Intelligent Investing (Moka) Managed Investing Managed investing service for individual Canadian investors built around a discipline-first capital allocation system, with portfolios constructed via a structured decision process and a behavioral design layer.
- Fiscal.ai Research Environment AI-powered investment research environment that provides individual investors with professional-grade analytical tools previously reserved for institutional investors, included as part of the platform membership.
- Intelligent Investing Mobile App Self-serve iOS and Android mobile application that delivers the Intelligent Investing platform, including managed portfolios, portfolio intelligence, wealth modeling, and access to Fiscal.ai research.
Quantifiable outcome
- ~98% of professional fund managers underperform the S&P 500 over 20 years; retail investors perform worse
- +1 more outcomes
Companies that use Moka
Customer profileSegments2 records
Ideal customer profiles1 record
Moka technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature5 records
Moka partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
Moka competitors and assessment
Company assessmentDirect peers
- Wealthfront: US-based robo-advisor with a tech-forward, behaviorally-designed managed portfolio offering. Closely comparable in product philosophy (automated, low-fee, goal-based managed portfolios) and target customer (disciplined long-term retail investors).
- Betterment: US digital wealth platform combining automated managed portfolios with self-directed cash and crypto accounts. Closely parallels Moka's combined managed + self-directed roadmap and subscription-friendly product positioning.
- Questwealth (Questrade): Robo-advisor arm of Questrade offering managed portfolios to Canadian retail investors alongside a major self-directed brokerage. Comparable dual-rail structure and Canadian-only focus make it a direct peer.
- Wealthsimple: Canada's largest digital wealth platform offering managed investing, self-directed trading, and AI tools. Closest direct competitor to Intelligent Investing with overlapping RIA, dealer, and product structure aimed at the same Canadian retail investor segment.
Emerging players
- Stash: Subscription-based self-directed investing app combining managed guidance with user-controlled portfolios. Comparable on the subscription pricing model and on serving first-time disciplined investors.
- Acorns: Micro-investing app built on roundups and subscription tiers. Directly comparable to Moka's original Mylo-era roundup product and current consumer subscription fee structure, particularly for younger mass-market users.
Broad incumbents
- Schwab Intelligent Portfolios: Large US incumbent's automated managed portfolio offering bundled into a full brokerage. Comparable managed-portfolio product and disciplined, low-fee philosophy, but embedded in a much broader retail wealth franchise.
- CI Direct Investing: Canadian incumbent self-directed investing platform operated by CI Financial. Overlaps directly on the self-directed side (via CIRO-regulated dealer) and on managed investing via affiliated portfolio managers — comparable offering, broader parent ecosystem.
Regional players
- Questrade: Canada's largest independent online brokerage with self-directed investing. Comparable execution-only dealer offering to Moka's planned self-directed product via IntelligentInvesting Securities Inc.
Others
- Fiscal.ai: Third-party AI investment research environment bundled into Moka's membership. Listed separately because Fiscal.ai is both a partner product and a potential standalone competitor in the AI research tooling category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Moka social profiles
Digital presenceMoka compliance and trust
Trust signalCompliance3 records
Moka financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moka leadership team
Management profileNumber of profiles
Profiles1 record
Moka subsidiaries and ownership
Company hierarchySubsidiaries2 records
Moka funding detail
Funding detailFunding overview
Funding rounds5 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moka M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moka
What does Moka do?
Moka (now Intelligent Investing) operates a discipline-first capital allocation system delivered through a self-serve mobile investing app for individual Canadian investors. The platform combines managed investing with professional AI-powered research via Fiscal.ai and a structured decision process designed to drive decades-long compounding. The company is a subsidiary of Orion Digital Corp. and rebranded from Mylo to Moka in 2020, then to Intelligent Investing in 2025.
Is Moka a public or private company?
Moka is a private company. It is classified as venture growth investor backed and is currently operating.
When was Moka founded?
Moka was founded in 2017. It employs 11 to 50 people.
Where is Moka based?
Moka is headquartered in Montréal, Canada, in the North America region.
How does Moka make money?
Two revenue lines are on record. Subscription Fee is the primary driver. The others are AUM-based Management Fee.
Who are Moka's main competitors?
Direct peers on record are Wealthfront, Betterment, Questwealth (Questrade) and Wealthsimple. Emerging players are Stash and Acorns. Broad incumbents are Schwab Intelligent Portfolios and CI Direct Investing. Questrade is listed as a regional player. Fiscal.ai is listed as an others.
Does Moka have an API?
No public API is recorded for Moka.
What industry is Moka in?
Moka's product category is Personal Investment Management. Its primary akta.pro industry code is FSAAACAJ, Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward), with a secondary code of FSAGAEAG, Goal-Based & Micro-Investing Platforms (Round-ups, Fractional). Its NAICS code is 523940 and its SIC code is 6282.