Lovie
Lovie operates an agent-native financial platform for AI-first companies, offering MCP-integrated company formation, KYC/KYB verification, and unit economics tooling (TokenOps) that lets AI agents execute formation, compliance, and financial operations programmatically.
- Company typePrivate
- Founded2026
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Lovie does
Lovie is a financial technology company that operates an agent-native platform combining company formation, compliance, banking, and back-office operations into a single programmable layer accessible to AI agents. The company serves AI-first companies, venture-backed startups, solo founders, international founders, and SMB operators across twenty-plus verticals including e-commerce, healthcare, fintech, real estate, and content creation. Its products are organized around two lines: (1) AI First Banking, which includes live modules Formation AI (LLC and C-Corp filing via conversational chat with EIN assistance and registered agent service) and Identity AI (KYC/KYB verification), plus twelve roadmap modules spanning programmable treasury, corporate cards, expenses, payroll, accounting, cap table, invoicing, and government filings; and (2) TokenOps, a unit economics platform providing per-customer LLM cost attribution and gross margin analytics via TypeScript and Python SDKs for AI companies.
The platform is built around the Model Context Protocol (MCP), enabling direct integration with AI development environments including Anthropic Claude, Cursor, Manus, Windsurf, Replit, OpenAI, Telegram, WhatsApp, and Lovable, plus an open-source CLI (npm: lovie). Lovie's TokenOps SDK wraps six major LLM provider clients (Anthropic, OpenAI, Bedrock, Google AI, Vercel AI, Azure) to capture per-request usage metadata without proxying traffic. Banking services are planned through a Partner Bank, Member FDIC arrangement. The company is a Delaware corporation headquartered in Newark, DE (75 Omega Drive, Suite 270), with stated operations beginning in 2026. Founder Sahin Boydas serves as CEO and GTM Engineer, with Omer Aydin as Head of LegalTech.
Lovie monetizes primarily through subscription: Formation AI at $29/mo annual ($348) or $39/mo monthly with state filing fees passed through to government agencies, and TokenOps on a 30-day free trial model with enterprise pricing based on event volume, vendor count, and controls (SSO, audit logs, multi-entity). Go-to-market is product-led growth via self-serve sign-up, MCP integrations, SEO-targeted vertical landing pages, and direct website signup; an enterprise/demo pathway exists for the Banking AI waitlist. Pre-seed funding was provided by Antler and Streamlined. Disclosed revenue is null.
Lovie firmographics
Firmographics- Name
- Lovie
- Legal name
- Lovie, Inc.
- Website
- https://lovie.co
- Company type
- Private
- Founded year
- 2026
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Lovie operates an agent-native financial platform for AI-first companies, offering MCP-integrated company formation, KYC/KYB verification, and unit economics tooling (TokenOps) that lets AI agents execute formation, compliance, and financial operations programmatically.
- Ownership category
- akta.pro rank
Lovie industry classification
Industry- Product category
- AI-Native Company Formation and Financial Operations Software
- NAICS
- Software Publishers (513210), Custom Computer Programming Services (541511), Other Computer Related Services (541519)
- SIC
- Finance Services (6199), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs) (HDAEANAJ)
- akta.pro secondary industries
- LLMOps & Generative AI Platforms (Prompt/Agent Orchestration, RAG) (HDAEANAD), AI/ML Solution Integration & MLOps Enablement (BPAEAAAJ)
Keywords
Where Lovie is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Lovie business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Company Formation Subscription: Monthly/annual subscription covering company formation, registered agent service, EIN registration, digital mail scanning, and compliance tracking. Billed monthly at $39 or annually at $348 ($29/mo). State filing fees paid separately to the state.
- TokenOps Unit Economics Platform: Free 30-day trial on real telemetry. Enterprise pricing based on event volume, vendors, and controls (multi-entity, SSO, audit logs) when outgrowing trial.
- State Filing Fee Processing: Lovie processes state filing fees on behalf of customers, paid directly to the state agency. These are pass-through fees not retained as revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Monthly Formation Plan |
| Subscription | Annual | Annual Formation Plan |
| Freemium | Pay-as-you-go | TokenOps Free Trial |
| Subscription | Multi-year contract | TokenOps Enterprise |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Lovie product offering
Product offeringCore offering
Lovie is an agent-native financial platform that combines company formation, KYC/KYB identity verification, banking, and back-office operations into a single programmable layer. Its core offerings are Formation AI (AI-powered LLC/C-Corp formation, EIN assistance, registered agent, and compliance for $29-39/month), Identity AI (portable KYC/KYB verification), and TokenOps (per-customer LLM cost attribution and unit economics SDK for AI companies). All offerings are accessible through an MCP server that allows AI agents to execute financial operations directly from development tools like Claude Code, Cursor, and Manus.
Product overview
Lovie is an agent-native financial platform combining company formation, KYC/KYB identity verification, treasury management, and back-office operations into a single programmable layer designed for AI-first companies. The platform is built around two core product lines: (1) AI First Banking - an agent-native banking suite comprising live modules (Formation AI, Identity AI) and roadmap modules (Banking AI, Corporate Cards AI, Expenses AI, Subscriptions AI, Invoicing AI, Payroll AI, Accounting AI, Transaction AI, Categorization AI, Cap Table AI, Credit Card AI, Government AI); and (2) TokenOps - a unit economics platform for AI companies providing per-customer LLM cost attribution, gross margin calculation, invoice reconciliation, and MCP-accessible finance queries via TypeScript/Python SDK. All formation and banking products are accessible through the Lovie MCP Server (79 tools) and open-source CLI. Banking services are provided by a Partner Bank, Member FDIC.
Differentiator
Problem solved
Functional benefit
Brands
- TokenOps: Unit economics platform for AI companies - provides per-customer LLM cost and gross margin tracking through an SDK integration with Anthropic, OpenAI, Bedrock, Google AI, Vercel AI, Azure, and more.
Products and services
- Formation AI AI-powered company formation service that prepares and submits LLC and C-Corp formation documents to the relevant state agency, assists with EIN applications with the IRS, and provides registered agent and compliance services — all from a 5-minute conversational chat for founders, solo entrepreneurs, and startups.
- Identity AI Portable KYC/KYB verification service that treats business identity as a strategic asset, integrating with registered agent and business identity document management for compliance and onboarding use cases.
- TokenOps Unit economics platform for AI companies providing per-customer LLM cost attribution, gross margin calculation, invoice reconciliation, anomaly detection, and MCP-accessible finance queries for production AI applications using Anthropic, OpenAI, Bedrock, Google AI, Vercel AI, and Azure models.
- AI First Banking Platform Agent-native banking platform for AI-first companies where AI agents execute founders' plain-English financial policies — bill pay, cards, payroll, expenses, and payments — bundled around Formation AI and Identity AI.
Quantifiable outcome
- $120 annual savings vs. monthly billing
- +2 more outcomes
Companies that use Lovie
Customer profileNamed customers2 records
Segments10 records
Ideal customer profiles4 records
Lovie technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
AI capability8 records
Feature5 records
Lovie partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core.
- Anthropic (Claude)coreClaude and Claude Code are primary AI agent platforms integrated with Lovie via MCP. Users can form companies, manage EIN, and handle compliance directly from Claude conversations. Guides and setup documentation maintained for Claude Desktop and Claude Code integration.
- Cursor (by Anysphere)coreCursor AI IDE integrated via MCP. Users can access Lovie's formation and compliance tools directly from Cursor editor. Setup guides and MCP configuration documentation provided.
- Manus AIcoreManus agent platform integrated via MCP. AI agents can execute company formation tasks through Lovie's platform.
- Windsurf (by Codeium)coreWindsurf AI IDE integrated via MCP. Lovie formation and compliance tools accessible within the Windsurf development environment.
- ReplitcoreReplit cloud IDE integrated via MCP panel. AI-assisted company formation available within Replit workflow.
- OpenAIcoreOpenAI integration via ChatGPT Desktop and Agents SDK. Guides available for using Lovie with OpenAI products.
- Anthropic (TokenOps Integration)coreTokenOps product wraps Anthropic's Claude API via SDK. Captures per-request tokens, model, and cost attribution. Invoice reconciliation works with Anthropic billing data.
- OpenAI (TokenOps Integration)coreTokenOps wraps OpenAI API clients for GPT-4/4o and batch models. Cost attribution and invoice reconciliation supported for OpenAI vendor billing.
- Amazon Bedrock (TokenOps Integration)coreTokenOps wraps AWS Bedrock clients for Llama and other models. Cost tracking and reconciliation for Bedrock vendor invoices.
- Google AI (TokenOps Integration)coreTokenOps wraps Google AI clients for Gemini models. Supports cost attribution and effective rate analysis for Google AI billing.
- Vercel AI (TokenOps Integration)coreTokenOps integrates with Vercel AI SDK for cost capture and per-customer attribution on Vercel-hosted AI applications.
- Azure OpenAI (TokenOps Integration)coreTokenOps wraps Azure OpenAI clients for Microsoft-hosted GPT models. Invoice reconciliation for Azure billing.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Lovie competitors and assessment
Company assessmentDirect peers
- Helicone: Helicone is an open-source LLM observability platform providing cost tracking, logging, and analytics for AI applications. Direct comparable to Lovie's TokenOps on the AI cost attribution and observability wedge.
- Clerky: Clerky focuses on venture-grade Delaware C-Corp formation, 83(b) elections, SAFEs, and VC-ready cap tables. Comparable to Lovie's VC-backed startup segment for higher-end, investor-ready formation with proper legal documentation.
- Doola: Doola offers US company formation, registered agent, EIN, banking setup, bookkeeping, and tax compliance for international and domestic founders. Closest comparable on the formation + ongoing compliance bundle and pricing structure.
- Stripe Atlas: Stripe's company formation product for startups, bundled with payments infrastructure. Most direct head-to-head competitor for Lovie's Formation AI among AI/tech founders; same wedge (fast, low-cost US entity formation) plus payments distribution that Lovie lacks.
- Langfuse: Langfuse provides LLM engineering observability — tracing, cost tracking, prompt management, and evaluation. Most direct peer to TokenOps on the developer-facing LLMOps wedge, with comparable SDK and integration breadth.
- Firstbase: Firstbase provides startup incorporation, registered agent, EIN, and bookkeeping for US and international founders. Overlaps with Lovie on formation pricing, registered agent, and bookkeeping plans targeted at early-stage companies.
Broad incumbents
- Ramp: Ramp combines corporate cards, expense management, bill pay, and accounting automation. Overlaps with multiple Lovie roadmap modules (Cards, Expenses, Accounting) and represents the gold-standard SMB financial-ops platform Lovie is positioning against.
- LegalZoom: LegalZoom is the incumbent consumer/SMB formation and registered agent provider. Comparable on formation, EIN, and registered agent services but with a much broader legal-services portfolio and traditional web-based UX rather than AI-native.
- Mercury: Mercury provides startup banking, treasury, and corporate cards — the canonical banking layer for VC-backed startups. Closest incumbent for the Banking AI, Cards, and Treasury roadmap modules Lovie has not yet shipped.
Emerging players
- Portkey: Portkey is an LLM gateway and observability platform providing cost tracking, routing, and reliability across LLM providers. Comparable to TokenOps on multi-vendor LLM cost attribution and the AI gateway adjacency.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Lovie social profiles
Digital presenceLovie compliance and trust
Trust signalCompliance1 record
Lovie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lovie leadership team
Management profileNumber of profiles
Profiles2 records
Lovie funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lovie 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 Lovie
What does Lovie do?
Lovie is an agent-native financial platform that combines company formation, KYC/KYB identity verification, banking, and back-office operations into a single programmable layer. Its core offerings are Formation AI (AI-powered LLC/C-Corp formation, EIN assistance, registered agent, and compliance for $29-39/month), Identity AI (portable KYC/KYB verification), and TokenOps (per-customer LLM cost attribution and unit economics SDK for AI companies). All offerings are accessible through an MCP server that allows AI agents to execute financial operations directly from development tools like Claude Code, Cursor, and Manus.
Is Lovie a public or private company?
Lovie is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Lovie founded?
Lovie was founded in 2026. It employs 11 to 50 people.
Where is Lovie based?
Lovie is headquartered in San Francisco, United States, in the North America region.
How does Lovie make money?
Three revenue lines are on record. Company Formation Subscription is the primary driver. The others are tokenOps Unit Economics Platform and state Filing Fee Processing.
Who are Lovie's main competitors?
Direct peers on record are Helicone, Clerky, Doola, Stripe Atlas, Langfuse and Firstbase. Broad incumbents are Ramp, LegalZoom and Mercury. Portkey is listed as an emerging player.
Does Lovie have an API?
Yes. Lovie offers an MCP (Model Context Protocol) server integration that allows AI agents (Claude Code, Cursor, Manus, Windsurf, Replit, Codex) to execute company formation, EIN registration, compliance management, and registered agent operations directly from AI IDE workflows. The API is accessed via the Lovie CLI (npm install -g lovie) and MCP tools. The TokenOps product provides a separate SDK in TypeScript and Python (@tokenops/sdk) that wraps LLM clients (Anthropic, OpenAI, Bedrock, Google AI, Vercel AI, Azure) to capture per-customer cost and usage events.
What industry is Lovie in?
Lovie's product category is AI-Native Company Formation and Financial Operations Software. Its primary akta.pro industry code is HDAEANAJ, AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs), with a secondary code of HDAEANAD, LLMOps & Generative AI Platforms (Prompt/Agent Orchestration, RAG). Its NAICS code is 513210 and its SIC code is 6199.