CFO Silvia
CFO Silvia is an AI-powered personal CFO platform that aggregates banking, brokerage, crypto, and real estate accounts for high-net-worth individual investors. Using multi-agent AI systems, it delivers conversational portfolio analysis, transaction categorization, and financial projections via web, mobile, voice, SMS, and email, and is now a wholly owned subsidiary of ProCap Financial (Nasdaq: BRR).
- Company typePrivate
- Founded2025
- Headquarters—
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What CFO Silvia does
CFO Silvia is an AI agent lab exclusively focused on personal finance, building a conversational AI CFO that aggregates and analyzes the full financial life of high-net-worth individual investors. The platform connects to banking, brokerage, cryptocurrency, real estate, vehicle, and debt accounts through integrations with Plaid, SnapTrade, Coinbase, Zillow, CoinGecko, and CoinMarketCap, unifying assets and liabilities that typically sit across many institutions. Its technical core is a multi-agent system in which specialized agents — for portfolio analysis, market monitoring, spending patterns, and risk assessment — collaborate using their own tools, context, and guardrails, connected to live data through a proprietary Model Context Protocol implementation. Machine learning handles automated transaction categorization that improves with user corrections, and statistical modeling produces financial projections including cash flow, investment growth, and debt payoff timelines. A document analysis feature uses OCR and LLM-based extraction to pull structured data from tax returns, pay stubs, bank statements, and receipts. The platform is accessible through web, iOS and Android, and via chat, voice, SMS, and email, and is SOC 2 Type II certified with read-only data access and credentials stored by partners rather than the company.
The business runs on a freemium subscription model. The Free tier provides limited AI interactions and account tracking without a credit card; Pro at $17 per month or $200 per year (the most popular plan) increases monthly usage 10x, adds access to frontier AI models, and enables Silvia to build and deliver spreadsheets, PDFs, and reports; Max at $200 per month adds 10x the Pro usage, personal onboarding with the founder, and early feature access. The target customer is a sophisticated individual investor with an average net worth above $2.5 million managing $2.5M+ in assets across 12+ connected accounts on average, served through self-serve product-led growth. Distribution is anchored by co-founder Anthony Pompliano's 2M+ audience of self-directed investors and entrepreneurs, supported by earned media in the Wall Street Journal, CNBC, Fox Business, and Investment News. A secondary revenue lever, not yet operational, is the commercialization of anonymized data derived from user inputs and transaction records. In April 2026, ProCap Financial (Nasdaq: BRR), a bitcoin-native and AI-driven financial services firm, completed the acquisition of CFO Silvia in an all-stock transaction valued at approximately $98M+, making the combined entity the first publicly traded agentic finance firm and bringing CFO Silvia onto the balance sheet of a parent with $750M+ in prior capital raised and a 5,007 BTC treasury reserve.
CFO Silvia firmographics
Firmographics- Name
- CFO Silvia
- Legal name
- CFO Silvia, Inc.
- Website
- https://www.cfosilvia.com/
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CFO Silvia is an AI-powered personal CFO platform that aggregates banking, brokerage, crypto, and real estate accounts for high-net-worth individual investors. Using multi-agent AI systems, it delivers conversational portfolio analysis, transaction categorization, and financial projections via web, mobile, voice, SMS, and email, and is now a wholly owned subsidiary of ProCap Financial (Nasdaq: BRR).
- Ownership category
- akta.pro rank
CFO Silvia industry classification
Industry- Product category
- Personal Finance Software
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Personal Financial Management & Budgeting (PFM) (FSAGAAAH)
- akta.pro secondary industries
- Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Expense Tracking & Financial Dashboards (FSAGADAB), Outsourced Finance & CFO Services (BPAHABAE)
Keywords
CFO Silvia business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription Revenue - Free Tier: Free tier provides limited chat, calls, texts, and emails with Silvia; limited personalized research and proactive radars; limited monthly usage; with account tracking for banking, crypto, real estate, vehicles, and debts. No credit card required. Serves as acquisition layer for paid tiers.
- Subscription Revenue - Pro Tier: Paid subscription at $17/month ($200 billed annually) providing 10x monthly usage across Chat, Research, and Radars; access to latest frontier AI models; most robust and accurate financial data; ability to have Silvia build and email spreadsheets, PDFs, or reports; priority support. Target for active investors.
- Subscription Revenue - Max Tier: Premium subscription at $200/month billed monthly with 10x the monthly usage of Pro; personal Silvia setup with Shain (founder); early access to new features. Target for power users running serious workflows.
- Anonymized Data Commercialization: Creation and commercialization of anonymized data derived from user inputs, outputs, and transaction records. AI and algorithmic techniques transform personal data into anonymized data that may be incorporated into commercial data products such as benchmarking reports, market research, and statistical analyses, or licensed to third parties.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier with limited AI interactions and account tracking |
| Subscription | Annual | Pro tier for active investors with 10x usage and advanced AI access |
| Subscription | Monthly | Max tier for power users with maximum usage and founder access |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
CFO Silvia product offering
Product offeringCore offering
CFO Silvia is an AI-powered personal finance platform that aggregates a user's financial accounts across banks, brokerages, crypto exchanges, real estate, vehicles, and debts into a single unified view. It uses multi-agent AI systems and large language models to deliver institutional-grade financial analysis, portfolio monitoring, spending insights, and goal-based recommendations through conversational interfaces (chat, voice, SMS, email). The platform is offered via three subscription tiers—Free, Pro ($17/month), and Max ($200/month)—targeting high-net-worth individual investors.
Product overview
CFO Silvia is a unified AI-powered personal CFO platform built by ProCap Financial (NASDAQ: BRR). The platform offers three subscription tiers: a Free tier for basic account tracking and limited AI interactions, a Pro tier ($17/month) for active investors requiring enhanced AI access and reporting capabilities, and a Max tier ($200/month) for power users seeking personal setup and early feature access. The core product leverages multi-agent AI systems for real-time portfolio monitoring, financial analysis, and proactive insights. Supplementary offerings include document analysis for extracting data from financial documents (tax returns, pay stubs, receipts) and the Best Stocks podcast for AI-delivered investment research in audio format. The platform connects with financial institutions via Plaid and SnapTrade, crypto exchanges via Coinbase OAuth, and aggregates data across banking, brokerage, real estate (Zillow), and cryptocurrency (CoinGecko, CoinMarketCap) to provide a consolidated financial view managing $40B+ in tracked assets for 12,000+ investors.
Differentiator
Problem solved
Functional benefit
Products and services
- CFO Silvia Free Free tier of the AI CFO platform providing limited AI interactions, account aggregation, and visibility into net worth, transactions, allocation, and performance for individual investors.
- CFO Silvia Pro Premium subscription tier for active individual investors offering 10x monthly usage, access to frontier AI models, advanced financial data, document/report generation, and priority support at $17/month or $200/year.
- CFO Silvia Max Power-user subscription tier offering 10x the Pro usage limits, personal onboarding with the founder, and early access to new features at $200/month.
- Document Analysis AI-powered extraction of financial data from uploaded documents such as tax returns, pay stubs, bank statements, and receipts, using OCR and LLM-based document understanding.
- Best Stocks Podcast Agentic AI investment podcast powered by ProCap Insights, delivering Wall Street-caliber investment research in audio format through AI agents. Available on Spotify and Apple Podcasts.
Quantifiable outcome
- 94% active engagement rate with AI-powered features
- +3 more outcomes
Companies that use CFO Silvia
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
CFO Silvia technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability10 records
Feature7 records
CFO Silvia partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- ProCap Financial, Inc.flagshipProCap Financial, a Nasdaq-listed bitcoin-native and AI-driven financial services firm (ticker: BRR), acquired CFO Silvia in April 2026 for approximately $98M+ in an all-stock transaction. The acquisition created the first publicly traded agentic finance firm. CFO Silvia is now a wholly owned subsidiary of ProCap Financial. Co-founder Shain Noor became CTO of ProCap Financial following the acquisition. ProCap holds 5,007+ Bitcoin as treasury reserve and has raised over $750M from investors.
- PlaidcorePlaid provides financial account aggregation services, enabling users to securely connect bank accounts, brokerage accounts, and other financial institutions to the Silvia platform. Bank logins are stored with Plaid, not by CFO Silvia.
- SnapTradecoreSnapTrade provides additional financial account aggregation capabilities, complementing Plaid for connecting brokerage and investment accounts to the Silvia platform.
- CoinbasecoreCoinbase OAuth integration enables users to connect cryptocurrency exchange accounts and wallets, allowing Silvia to aggregate and analyze crypto holdings alongside traditional financial accounts.
- StripecoreStripe handles payment processing for paid subscription tiers. Subscription fees are charged in US dollars through Stripe's payment infrastructure.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
CFO Silvia competitors and assessment
Company assessmentDirect peers
- Copilot Money: Copilot is an AI-powered personal finance and investing app on iOS that aggregates accounts, categorizes transactions, and surfaces spending insights, with a similar consumer-PFM + AI assistant positioning targeting sophisticated individual investors.
- Monarch Money: Monarch is a modern subscription-based personal finance platform offering account aggregation, budgeting, and investment tracking with a collaborative, AI-assisted UX aimed at higher-income self-directed households — a direct subscription-PFM competitor to Silvia.
- Magnifi: Magnifi is an AI-powered investing search and assistant platform that provides conversational finance analysis, portfolio insights, and trade ideas — a direct comparable in the AI-first finance assistant category that competes for the same self-directed investor audience.
- YNAB (You Need A Budget): YNAB is a subscription-based budgeting and personal finance platform with strong category branding and a self-directed user base; less AI-driven than Silvia but a clear substitute for users evaluating PFM subscription tools.
- Rocket Money: Rocket Money (formerly Truebill) is a subscription-driven consumer finance platform focused on budgeting, subscription management, and bill negotiation, targeting a slightly broader but overlapping mass-affluent self-directed customer base.
- Empower (Personal Capital): Empower is the leading consumer PFM and registered investment advisor in the U.S., serving high-net-worth individuals with account aggregation, portfolio analytics, and wealth management — the most directly comparable competitor to CFO Silvia across product, target customer, and AI/analytics positioning.
Emerging players
- Origin Financial: Origin is an AI-driven financial planning platform that aggregates accounts and provides conversational planning and advisor collaboration for high-income professionals — closely aligned with Silvia's HNW-individual AI-CFO positioning.
- Cleo: Cleo is an AI-powered conversational finance assistant and PFM targeting younger, mass-market consumers with budgeting, spending insights, and chat-based money coaching — an emerging AI-first PFM with narrower targeting but overlapping category and technology stack.
Broad incumbents
- Wealthfront: Wealthfront is a large digital wealth manager offering automated investing combined with financial planning, cash, and goal tools — overlapping with Silvia's portfolio monitoring and planning functionality but as part of a broader AUM-fee-based offering rather than a pure subscription PFM.
- Betterment: Betterment is one of the largest independent robo-advisors, providing goal-based planning, portfolio management, and cash management — a broader incumbent in the digital wealth and financial planning space that competes indirectly for the same self-directed investor wallet.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CFO Silvia social profiles
Digital presenceCFO Silvia compliance and trust
Trust signalCompliance3 records
CFO Silvia financial estimates
Financial estimateRevenue estimate
Valuation estimate
CFO Silvia leadership team
Management profileNumber of profiles
Profiles2 records
CFO Silvia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CFO Silvia 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 CFO Silvia
What does CFO Silvia do?
CFO Silvia is an AI-powered personal finance platform that aggregates a user's financial accounts across banks, brokerages, crypto exchanges, real estate, vehicles, and debts into a single unified view. It uses multi-agent AI systems and large language models to deliver institutional-grade financial analysis, portfolio monitoring, spending insights, and goal-based recommendations through conversational interfaces (chat, voice, SMS, email). The platform is offered via three subscription tiers—Free, Pro ($17/month), and Max ($200/month)—targeting high-net-worth individual investors.
Is CFO Silvia a public or private company?
CFO Silvia is a private company. It is classified as corporate owned and is currently operating.
When was CFO Silvia founded?
CFO Silvia was founded in 2025. It employs 1 to 10 people.
How does CFO Silvia make money?
Four revenue lines are on record. Subscription Revenue - Free Tier is the primary driver. The others are subscription Revenue - Pro Tier, subscription Revenue - Max Tier and anonymized Data Commercialization.
Who are CFO Silvia's main competitors?
Direct peers on record are Copilot Money, Monarch Money, Magnifi, YNAB (You Need A Budget), Rocket Money and Empower (Personal Capital). Emerging players are Origin Financial and Cleo. Broad incumbents are Wealthfront and Betterment.
Does CFO Silvia have an API?
Yes. CFO Silvia offers API access to individual users. The API terms state: API keys, tokens, and credentials are confidential; users must comply with published rate limits, quotas, and usage restrictions; users may not represent API Outputs as being generated by any source other than CFO Silvia; API access is for individual, personal use only; commercial or business use requires separate written authorization. The Acceptable Use Policy and Supplemental Terms reference API availability. The Applied AI Engineer job posting specifically mentions implementing Model Context Protocol (MCP) to connect agents to live data sources.
What industry is CFO Silvia in?
CFO Silvia's product category is Personal Finance Software. Its primary akta.pro industry code is FSAGAAAH, Personal Financial Management & Budgeting (PFM), with a secondary code of FSAGADAF, Net Worth & Personal Balance Sheet Tracking. Its NAICS code is 523940 and its SIC code is 6199.