Matty AI Inc.
Matty AI Inc. is an SEC-registered investment adviser (founded 2021) that provides a white-label, embedded investing platform for US banks and credit unions, deploying AI-managed portfolio tools under the institution's brand in 87 days via partners such as Academy Bank and Alpaca.
- Company typePrivate
- Founded2021
- HeadquartersGreenville, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Matty AI Inc. does
Matty AI Inc. is a privately-held, SEC-registered investment adviser (SEC ID 317016) that has built a white-label, embedded investing platform for US banks and credit unions. Founded in 2021 and headquartered in Greenville, South Carolina with a 1–10 person team, the company positions itself as the "intelligence and orchestration layer" that financial institutions deploy under their own brand into their existing banking applications. Regulated functions — banking rails, card issuance, and custody — are outsourced to institutional partners (Academy Bank for FDIC-insured banking, Alpaca for brokerage and custody, HID Global for RFID security hardware, and Google Wallet for digital payments), with Thoughtbot as a platform development partner. The stated value proposition is converting idle deposit holders into active investors through AI-managed portfolio matching, with an 87-day deployment timeline and a US patent-protected RFID proximity authentication feature that disables cards beyond a set proximity to a registered device.
The core product is the Embedded Investing Platform, supplemented by an RFID Proximity Card Security module and an Employer Benefit Product that targets HR leaders and SMBs as an alternative to traditional 401(k) programs. The go-to-market is exclusively B2B enterprise: a "Request a Demo" funnel targeting banks, credit unions, financial services firms, and employers, with the company noting it is "in active discussions with select banking and financial institution partners" and that "partnership inquiries only" are accepted. Revenue mechanics are centered on a 0.35% AUM fee participation model that the institution captures on customer investment balances, with illustrative projections ranging from $1.6M (5M-customer base, 5% adoption) to $280M (50M-customer base, 20% adoption) annually. No actual revenue, funding rounds, or named institutional customers are disclosed in available materials.
The company is led by founder and CEO Jon Bryson. Its competitive thesis rests on three pillars: (1) a $17T+ pool of US checking deposits earning near-zero returns and a $100B+ annual deposit attrition rate to fintechs (Robinhood, Acorns, Wealthfront, Betterment) as quantified market context; (2) a <20% average investment product attach rate at major banks, framing the upsell opportunity; and (3) a $30–50M / 3–5 year estimated cost to replicate the platform in-house, against an 87-day Matty deployment. Compliance positioning emphasizes FINRA/SEC registration, an FDIC-insured sponsor bank, and licensed third-party custody — explicitly framed as a structure designed to "survive your legal team's review."
Matty AI Inc. firmographics
Firmographics- Name
- Matty AI Inc.
- Legal name
- Matty AI Inc.
- Website
- https://matty.ai
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Matty AI Inc. is an SEC-registered investment adviser (founded 2021) that provides a white-label, embedded investing platform for US banks and credit unions, deploying AI-managed portfolio tools under the institution's brand in 87 days via partners such as Academy Bank and Alpaca.
- Ownership category
- akta.pro rank
Matty AI Inc. industry classification
Industry- Product category
- Embedded Investing Platform / WealthTech Infrastructure
- NAICS
- Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Credit Card Issuing (522210)
- SIC
- Investment Advice (6282), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)
- akta.pro secondary industries
- Cards & Issuing Management (Debit/Prepaid/Credit, Program Management) (FSAGAAAE), Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)
Keywords
Where Matty AI Inc. is headquartered
LocationHeadquarters
- HQ city
- Greenville
- HQ country
- United States
- HQ region
- North America
Markets served
Matty AI Inc. business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- AUM Fee Participation: Matty AI generates revenue through a 0.35% AUM fee participation model where financial institutions capture revenue from customer investment balances that grow within their platform. This creates recurring revenue based on assets under management rather than per-transaction fees.
- Platform Licensing (inferred): As a white-label embedded platform provider, Matty AI likely charges licensing or platform fees to banks and credit unions for access to their technology infrastructure, compliance framework, and proprietary security features.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Annual | Conservative Pilot - Revenue projections for 5M customer base |
| Transaction based/ take rate | Annual | Base Deployment - Revenue projections for 20M customer base |
| Transaction based/ take rate | Annual | Full Scale - Revenue projections for 50M customer base |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Matty AI Inc. product offering
Product offeringCore offering
Matty AI provides a white-label embedded investing platform that banks and credit unions deploy in approximately 90 days to convert idle deposit holders into active investors. The platform operates as an intelligence and orchestration layer, with AI-managed portfolio matching, hardware-level RFID proximity card authentication (US patent-protected), and an employer benefit product, while regulated functions like custody, card issuance, and banking rails are handled by institutional partners.
Product overview
Matty AI offers a single unified white-label embedded investing platform for financial institutions. The core product is the Embedded Investing Platform, which banks and credit unions deploy in 90 days. This platform integrates into existing banking apps and operates as the intelligence and orchestration layer, while regulated functions (custody, card issuance, banking rails) are handled by institutional partners. The platform includes two key modules: RFID Proximity Card Security (a US patent-protected hardware-level fraud prevention feature developed with HID Global) and an Employer Benefit Product (enabling businesses to offer automatic investment accounts as a workplace benefit without 401(k) complexity). Revenue is generated through an AUM fee participation model.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded Investing Platform
Quantifiable outcome
- AUM fee participation revenue of $1.6M-$280M annually depending on institution size and adoption rate (illustrative)
- +3 more outcomes
Companies that use Matty AI Inc.
Customer profileSegments4 records
Ideal customer profiles3 records
Matty AI Inc. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
Matty AI Inc. partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Academy BankcoreFDIC-insured banking partner providing deposit and card functions. Academy Bank is a federally insured institution through which customer deposits are protected. This is a critical infrastructure partnership for all banking and card services.
- HID GlobalcoreRFID security partnership for hardware-level card authentication technology. HID Global collaborated with Matty AI to develop the proprietary proximity authentication system that has received US patent protection.
- AlpacacoreBrokerage and custody partner holding all client investment assets independently of Matty AI's operations. All client funds remain protected through this licensed third-party custodian arrangement.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Matty AI Inc. competitors and assessment
Company assessmentDirect peers
- Modern Treasury: Modern Treasury provides payment operations infrastructure for fintechs and banks, including ledgering and money movement APIs. It is an embedded-finance infrastructure peer competing for institutional relationships with Matty AI's bank and credit union customers.
- Unit: Unit is a white-label embedded banking and finance infrastructure platform that enables companies (including banks and fintechs) to embed accounts, cards, lending, and investing. It is the most direct comparator to Matty AI's white-label embedded investing model for financial institutions.
- Treasury Prime: Treasury Prime is a banking-as-a-service platform connecting fintechs and brands to bank partners for embedded accounts and payments. It competes for the same bank-side embedded-finance budget that Matty AI targets, though with a broader payments-and-accounts scope than Matty's investing focus.
- Betterment: Betterment is one of the largest independent robo-advisors offering automated, goal-based portfolio management. Like Wealthfront, it is named by Matty as a destination for the $100B+ in annual deposit attrition Matty aims to recapture for banks.
- Wealthfront: Wealthfront is an established robo-advisor and automated investing platform that Matty AI explicitly names as a recipient of bank deposit attrition. It represents the consumer fintech threat Matty is building the embedded bank alternative against, and offers a comparable AI-managed portfolio product.
- Stash: Stash is a consumer investing and banking platform combining guidance-based investing with bank accounts. It is a direct competitive reference point for Matty's bank-embedded investing concept, illustrating both the demand and the crowded nature of the space.
- Acorns: Acorns is a consumer micro-investing platform embedded into everyday spending. It is explicitly cited by Matty AI as a recipient of bank deposit attrition and competes for the same underlying consumer investing dollar.
Others
- Plaid: Plaid provides financial data connectivity infrastructure underpinning many embedded finance and fintech integrations. It is an enabling layer rather than a direct competitor, but is closely tied to the bank-and-fintech integration ecosystem Matty operates in.
- Alpaca: Alpaca is Matty AI's named brokerage and custody partner and also offers embedded investing APIs (Brokerage API) that competing platforms could use to build white-label investing products similar to Matty. It sits as an enabling infrastructure player in the same ecosystem.
Broad incumbents
- Stripe Treasury: Stripe Treasury is a large, well-capitalized embedded banking offering inside the Stripe ecosystem, enabling platforms to embed financial accounts. It is a broader incumbent with embedded finance capabilities that overlap with Matty's white-label positioning, though focused on platform-not-bank deployments.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights5 records
Customer concentration
Matty AI Inc. social profiles
Digital presenceMatty AI Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Matty AI Inc. leadership team
Management profileNumber of profiles
Profiles1 record
Matty AI Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Matty AI Inc. 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 Matty AI Inc.
What does Matty AI Inc. do?
Matty AI provides a white-label embedded investing platform that banks and credit unions deploy in approximately 90 days to convert idle deposit holders into active investors. The platform operates as an intelligence and orchestration layer, with AI-managed portfolio matching, hardware-level RFID proximity card authentication (US patent-protected), and an employer benefit product, while regulated functions like custody, card issuance, and banking rails are handled by institutional partners.
Is Matty AI Inc. a public or private company?
Matty AI Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Matty AI Inc. founded?
Matty AI Inc. was founded in 2021. It employs 1 to 10 people.
Where is Matty AI Inc. based?
Matty AI Inc. is headquartered in Greenville, United States, in the North America region.
How does Matty AI Inc. make money?
Two revenue lines are on record. AUM Fee Participation is the primary driver. The others are platform Licensing (inferred).
Who are Matty AI Inc.'s main competitors?
Direct peers on record are Modern Treasury, Unit, Treasury Prime, Betterment, Wealthfront, Stash and Acorns. Others are Plaid and Alpaca. Stripe Treasury is listed as a broad incumbent.
Does Matty AI Inc. have an API?
No public API is recorded for Matty AI Inc..
What industry is Matty AI Inc. in?
Matty AI Inc.'s product category is Embedded Investing Platform / WealthTech Infrastructure. Its primary akta.pro industry code is HDAAAGAH, Financial Services Personalization (Banking, Investing, Insurance), with a secondary code of FSAGAAAE, Cards & Issuing Management (Debit/Prepaid/Credit, Program Management). Its NAICS code is 523940 and its SIC code is 6282.