Ciento Labs Inc.

What Ciento Labs Inc. does

Ciento Labs Inc. is a privately held Canadian personal finance software company headquartered in Vancouver, British Columbia, that operates a mobile application called Ciento. The product is designed for individual consumers — specifically young professionals and families in Canada — to track income, expenses, budgets, financial goals, and cashflow without connecting bank accounts. The app combines manual transaction entry with an AI-powered conversational assistant accessible through in-app chat, WhatsApp, and Telegram, and supports multimodal inputs including voice notes, receipt photos, and text. As of Q1 2026, Ciento is commercially available only in Canada with CAD currency optimization, and the company has announced plans for global expansion during 2026.

The product is built as a React Native mobile application with a Supabase PostgreSQL backend hosted on Microsoft Azure, employing Row Level Security policies and encryption-at-rest for privacy. The AI assistant is implemented through a Model Context Protocol (MCP) server that connects Google Gemini to user financial data with controlled read/write permissions, enabling natural language queries, voice transcription, receipt image parsing, and autonomous transaction creation. The technology stack also integrates Apple Wallet sync, Siri Shortcuts, Apple Pay, and Apple/Google in-app purchase billing. The company's stated compliance posture spans GDPR, CCPA, PIPEDA, Quebec Law 25, and COPPA.

Ciento operates a freemium go-to-market motion distributed exclusively through the Apple App Store and Google Play Store. The free tier provides core expense tracking with limited AI access, while the Premium subscription is priced at CAD $5.99 per month and unlocks unlimited categories and wallets, expanded AI token allowances, shared wallets with role-based access, and priority support. The company markets through content (editorial blog), organic social (Instagram), and Microsoft Clarity analytics. Ciento Labs Inc. is controlled by its three co-founders — Ignacio Zorrilla Barbera (CEO), Guillermo Zorrilla Barbera (COO), and Juan Mateo-Sagasta Escondrillas (CTO) — and is bootstrapped or self-funded, with no disclosed institutional investment, parent company, or external capital.

Name

Ciento Labs Inc.

Legal name

Ciento Labs Inc.

Website

https://cientolabs.com

Company type

Private

Operating status

Operating

Short description

Ciento Labs Inc. is a Vancouver-based company that operates Ciento, a privacy-first mobile personal finance app for individual consumers in Canada, combining manual expense tracking with an AI assistant accessible via WhatsApp, Telegram, and in-app chat under a freemium model.

Ownership category

akta.pro rank

Product category

Personal Finance Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Finance Services (6199)

akta.pro primary industry

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

Keywords

• Personal finance app
• Expense tracking software
• AI budgeting tool
• Financial planning software
• Money management app

Headquarters

HQ city

Vancouver

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Premium Subscription: CAD $5.99/month subscription providing full access to all features including unlimited categories, unlimited wallets, full AI assistant access (text, voice, receipt scanning), shared wallets with role-based access, and priority support. Automatic renewal with 24-hour cancellation window. No refunds for partially used periods.
2. Free Tier: Free tier with core expense tracking, multiple wallets, budgets, goals, and limited AI assistant access. No credit card required. Converts users to Premium through in-app paywall and feature gating.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Ciento Labs builds an AI-powered personal finance mobile application for iOS and Android that lets individual users track income, expenses, budgets, financial goals, and multi-currency wallets through manual data entry. An integrated AI assistant powered by Google Gemini via a Model Context Protocol (MCP) server processes natural-language queries, voice notes, and receipt photos via in-app chat, WhatsApp, or Telegram, executing transactions and budgets on the user's behalf without requiring any bank credentials.

Product overview

Ciento Labs Inc. offers Ciento, a unified personal finance assistant available as a mobile application (iOS and Android) with an integrated AI assistant. The core product is the Ciento App which combines manual expense tracking with an AI-powered conversational interface accessible via WhatsApp, Telegram, or in-app chat. The product suite includes foundational tracking modules (Wallets, Transactions, Budgets, Financial Goals), collaborative features (Shared Wallets), visualization tools (Cashflow Calendar, Dashboard), automation features (Recurring Transactions), and multi-currency support. The AI Assistant is powered by Google Gemini through a Model Context Protocol (MCP) server and enables natural language transaction entry, voice notes, receipt scanning, and personalized financial insights. Pricing includes a Free tier with basic features and a Premium subscription (CAD $5.99/month) with unlimited access to all features. The company is headquartered in Vancouver, BC, Canada, and currently serves the Canadian market with plans for global expansion.

Differentiator

Problem solved

Functional benefit

Products and services

• Ciento App An AI-powered personal finance assistant mobile application (iOS and Android) for individual consumers in Canada that enables manual expense tracking, multi-currency wallets, budgets, financial goals, recurring transactions, shared wallets, and an AI conversational assistant accessible via in-app chat, WhatsApp, and Telegram. Built on a privacy-first architecture with no bank credentials required.

Quantifiable outcome

• 2-minute onboarding to first value
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability10 records

Feature6 records

Scale indicators2 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Copilot Money: Copilot Money is an iOS-first, AI-driven personal finance app focused on smart categorization, spending insights, and subscription tracking. Like Ciento, it emphasizes a premium UX and AI features targeting younger, mobile-native consumers in the same budgeting category.
• YNAB (You Need A Budget): YNAB is a long-established subscription-based budgeting app with strong brand recognition in the personal finance space. It is a direct peer to Ciento's budgeting, goals, and transaction-tracking capabilities, though it lacks an AI-chat front-end.
• Rocket Money: Rocket Money (formerly Truebill) is a subscription and budgeting app that negotiates bills and tracks spending, often with bank linking. It targets the same budget-conscious consumer segment as Ciento and represents a competing subscription-bundled personal finance offering.
• Cleo: Cleo is an AI chatbot-based personal finance assistant operating through messaging apps, providing spending insights, budgeting, and cash advances. It overlaps directly with Ciento's AI-chat-driven, conversational approach to personal finance management.
• Monarch Money: Monarch Money is an AI-enhanced personal finance and budgeting platform that competes directly with Ciento in helping consumers track accounts, budgets, and goals across devices. Both target the modern, mobile-first consumer seeking smarter insights over raw transaction lists.
• Empower Personal Dashboard: Empower (formerly Personal Capital) offers a free personal finance dashboard with budgeting, net worth tracking, and wealth management. It is a broad incumbent in the consumer finance tracking category where Ciento also operates.
• Albert: Albert is an AI-powered personal finance app combining automated savings, budgeting, and financial advice with a Genius human-advisor overlay. It competes in the same AI-personal-finance category as Ciento for budget-conscious consumers.
• PocketGuard: PocketGuard is a personal finance app that aggregates accounts, tracks spending against budgets, and identifies savings opportunities. It is a comparable subscription-based budgeting product to Ciento, often used as an alternative benchmark for the category.

Emerging players

• Lunch Money: Lunch Money is an indie personal finance and budgeting app supporting multi-currency wallets, transactions, budgets, and rules-based automation. It is a comparable self-serve budgeting tool targeting power users in the same category as Ciento.
• Buddy Budget: Buddy is an emerging shared-wallet and budgeting app focused on household and couples' finances, overlapping with Ciento's shared wallet collaboration feature while pursuing a more social, niche go-to-market motion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/ciento.budget

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Ciento Labs Inc.