Unitary

What Unitary does

Unitary, Inc. is a stealth-stage financial technology company building a quantitative neobank targeted at high-net-worth (HNW) nomads—wealthy digital nomads and internationally mobile individuals who require automated financial management across multiple jurisdictions. Its primary product, the Intelligence Platform, is a unified system designed to run inference on private financial data to derive mathematically optimal asset allocations. The company also targets self-made entrepreneurs and traders in the AI, finance, and cryptocurrency sectors, offering portfolio optimization and multi-asset allocation capabilities for these secondary personas.

The platform is built on six architectural pillars: (1) math-optimized AI model harnesses that derive mathematically optimal allocations across all asset classes, (2) a unified quant framework that performs first-principles modeling of all assets including illiquid and alternative assets, (3) user-controlled local data encryption combined with multi-party encryption protocols, (4) secure inference that enables model execution on encrypted private data, (5) 24/7 real-time transaction auditability infrastructure, and (6) a globally distributed custodians and trustees architecture. The company name derives from unitary operators in mathematics and physics. The founding team includes founder and founding team members of a quantitative trading firm with over $1 trillion in trading volume, an International Mathematical Olympiad silver medalist, and open-source contributors to cryptographic protocols.

Unitary operates on a fee-aligned pricing model with zero management fees, charging only pass-through costs plus performance-based fees—structurally inverting the traditional asset management fee structure. The company is privately held, incorporated in Delaware, USA, and venture-backed by Sequoia Capital and founders of Signal (encrypted messaging) and Cognition (AI/devtools). As of the available data, Unitary has no app, no disclosed revenue, 1-10 employees, and is in pre-launch/stealth mode. The firm presented at the Switzerland Pavilion at the 2025 World Expo in Osaka, Japan, and no specific founding date, funding round details, or operating geographies are publicly disclosed.

Name

Unitary

Legal name

Unitary, Inc.

Website

https://unitary.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Unitary is a stealth-stage fintech building a quantitative neobank for high-net-worth nomads. Its Intelligence Platform uses proprietary math-optimized AI model harnesses to derive mathematically optimal financial allocations across all asset classes, operating on zero management fees plus performance-based pricing.

Ownership category

akta.pro rank

Product category

Wealth Management Software

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199)

akta.pro primary industry

Confidential AI & Privacy-Preserving ML (federated learning, MPC, HE, TEEs) (HDAAAKAI)

Keywords

• Quantitative wealth management
• Financial allocation platform
• Portfolio optimization software
• AI wealth management
• Neobank platform

Headquarters

HQ city

Orem

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Core offering

Unitary is building a quant neobank for high-net-worth (HNW) nomads, with its first product being an intelligence platform that runs inference on private data to derive mathematically optimal financial allocations across all asset classes, including illiquid and alternative assets. The platform combines a math-optimized AI model harness with a unified quant framework, user-controlled local data encryption, secure inference on private data, and 24/7 real-time transaction auditability, delivered via globally distributed custodians and trustees with a fee structure of 0% management fees plus pass-through costs and aligned performance fees.

Product overview

Unitary is building a quant neobank for high-net-worth nomads. The company's first and primary product is an Intelligence Platform — a unified system that runs inference on private data to derive mathematically optimal financial allocations. The platform combines a math-optimized AI model harness with a unified quant framework covering all asset classes (including illiquid and alternative assets). Key differentiators include fee alignment (0% management fees with pass-through costs), user-controlled local data encryption, secure inference on private data, and 24/7 real-time transaction auditability. The platform is backed by globally distributed custodians and trustees.

Differentiator

Problem solved

Functional benefit

Products and services

• Intelligence Platform An intelligence platform that runs inference on private data to derive mathematically optimal financial allocations across all asset classes (including illiquid and alternative assets), with user-controlled local data encryption, secure inference on private data, and 24/7 real-time transaction auditability, backed by globally distributed custodians and trustees. Targeted at high-net-worth nomads and self-directed AI/finance/crypto entrepreneurs and traders.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Wealthsimple: Canadian digital wealth management platform offering automated investing, self-directed trading, and crypto. Comparable on the modern, low-fee HNW wealth management positioning.
• Betterment: One of the largest robo-advisors, offering automated portfolio management, retirement, and cash management. Direct peer on automated allocation services targeting tech-savvy and increasingly HNW customers.
• Wealthfront: Automated wealth management platform for HNW and mass-affluent clients offering portfolio optimization, tax-loss harvesting, and direct indexing. Directly comparable to Unitary on the automated, allocation-driven HNW wealth management thesis.
• M1 Finance: Automated investing platform with customizable portfolios and fractional shares for HNW and mass-affluent customers. Direct peer on automated, allocation-centric retail/HNW wealth management.
• Titan: Active automated investing platform using quantitative strategies and human portfolio managers. Comparable to Unitary on the quant/AI-driven portfolio management value proposition.
• Addepar: Wealth management technology platform for ultra-HNW advisors and family offices, with multi-asset class analytics including illiquid and alternative assets. Highly comparable on the multi-asset, sophisticated-HNW positioning Unitary targets.
• Personal Capital (Empower): Hybrid digital wealth manager combining automated tools with human advisors for HNW clients. Closely comparable to Unitary on the HNW-targeted hybrid wealth management proposition.

Broad incumbents

• Robinhood: Mass-market brokerage and investing platform with growing HNW and crypto offerings. Comparable as a broad incumbent player in modern retail/HNW investing that Unitary would partially overlap with.

Regional players

• Endowus: Asia-based wealth management platform offering institutional-grade and alternative investments with a fee-only model. Comparable to Unitary on the low-fee, sophisticated multi-asset HNW positioning in a cross-border context.
• StashAway: Singapore-headquartered digital wealth manager serving Asia-based HNW and mass-affluent clients with quantitative portfolio strategies. Comparable on the quant-driven HNW wealth management approach, though primarily Asia-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/unitary-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 Unitary