Name

Grows.ai

Legal name

Акционерное общество "Гроуз Технологии"

Website

https://grows.ai

Company type

Private

Founded year

2020

Operating status

Operating

Short description

Grows.ai is a Moscow-based fintech startup offering a mobile app that automates long-horizon passive investing through Russian ETFs via an exclusive partnership with BCS broker. It targets individual retail investors, especially parents investing for their children's future, and uses an optional IIS tax wrapper.

Ownership category

akta.pro rank

Product category

Robo-Advisory / Automated Personal Investing

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC)

akta.pro secondary industry

Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)

Keywords

• Passive investing
• Robo-advisor services
• ETF portfolio management
• Automated wealth building
• Retail investment app

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Investment Management Services: The company provides passive investment management services through its app. Revenue appears to come from facilitating investments via its broker partner BCS. The platform connects to brokerage accounts at BCS (Brokerage account opened at ООО Компания БКС).

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Grows.ai provides a mobile application for automated passive investing that grows user capital over long horizons using compound interest on aggressive ETF strategies (FXWO global stocks and FXIT US IT sector). The app integrates with broker BCS for brokerage account opening and trade execution, and supports the optional Individual Investment Account (IIS/ИИС) for Russian tax deductions of up to 52,000 rubles per year.

Product overview

Grows.ai offers a single unified passive investment application that automatically manages capital growth using exchange-traded funds (ETFs). The core product is the Grows mobile app, which enables passive investing through automatic portfolio management. An optional Individual Investment Account (ИИС) module provides tax deduction benefits up to 52,000 rubles annually. The app connects users to BCS broker for brokerage account services, supporting "aggressive" investment strategies with historical returns of 19.34% annually in rubles.

Differentiator

Problem solved

Functional benefit

Products and services

• Grows App Mobile application (iOS/Android) for automated passive investing that grows user capital over a long horizon through compound interest on aggressive ETF strategies (FXWO global stocks and FXIT US IT sector), connecting users to the BCS broker for brokerage account opening and trade execution.

Quantifiable outcome

• 19.34% annual historical return in rubles using aggressive strategy (FXWO and FXIT ETFs)

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

One partnership is on record.

• БКС (BCS)coreTechnology or IntegrationPartnership with BCS (Brokerhouse Company), one of Russia's largest brokers with 600,000+ clients and 25 years in the market. BCS provides brokerage account infrastructure and execution services. Integration took nearly a year and approximately 2,500 person-hours to complete. Brokerage account is opened at ООО Компания БКС (license № 154-04434-100000).

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Acorns: US-based micro-investing and automated ETF portfolio app for retail investors. Highly comparable to Grows.ai in product (automated, long-horizon, ETF-based passive investing) and target customer (retail users with small recurring contributions).
• Betterment: US robo-advisor offering automated ETF portfolio management with goal-based and tax-advantaged account features. Closely comparable to Grows.ai's automated ETF strategy and tax-advantaged IIS wrapper.
• Wealthfront: US robo-advisor providing automated, passive ETF portfolio management with tax-loss harvesting. Comparable to Grows.ai on automated long-horizon ETF investing for retail users.
• Stash: US mobile-first investing app combining fractional shares, automated investing, and educational content for retail beginners. Highly comparable in mobile-first, beginner-friendly, automated investing positioning.
• Wealthsimple: Canadian digital wealth platform offering automated investing, ETFs, and tax-advantaged accounts (TFSA, RRSP). Closely comparable to Grows.ai in automated investing + tax-wrapped retail accounts.
• Moneyfarm: European (UK/Italy) robo-advisor offering automated ETF portfolios with tax-efficient wrappers. Comparable in passive, automated ETF investing for retail investors in a regulated market.
• Nutmeg: UK-based digital wealth manager offering automated ETF portfolios and ISA/JISA tax wrappers. Directly comparable to Grows.ai in passive investing combined with tax-advantaged wrappers for long-horizon retail goals.

Broad incumbents

• T-Bank (Tinkoff Investments): Russia's largest digital broker and broader neobank with a substantial retail investing platform. Direct domestic competitor with overlapping retail investor audience and ETF execution capabilities in Russia.
• Robinhood: US commission-free retail brokerage with self-directed investing app and fractional shares. Comparable as a mobile-first retail investment platform, though Grows.ai is more narrowly focused on automated passive ETF strategies.

Emerging players

• Endowus: Asia-based digital wealth platform offering automated, low-cost fund portfolios with goal-based planning and tax-advantaged accounts (SRS, CPF). Comparable positioning on automated, tax-efficient long-term investing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors

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 Grows.ai