🤯 OpenAI’s fintech move

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Hey Fintech Explorers—Welcome back to Money Explored, the essential Sunday newsletter to stay ahead in fintech!

AI isn’t just assisting finance anymore… it’s starting to own pieces of it.

Advisors are being replaced. Transactions are being delegated. And institutions are racing to control the layer where decisions actually get made.

Three signals. One direction: finance is being rebuilt around AI—faster than most are ready for.

Here’s what we’re diving into:

• OpenAI makes a move that could reshape financial advice. 🤯

• American Express builds for a world where AI transacts on your behalf. 🚀

• Anthropic pushes AI deeper into the core of bank risk systems. 🤖🚨

Plus: payments infrastructure gets more competitive, crypto regulation starts taking shape, social platforms edge closer to finance—and capital keeps flowing into the next wave of fintech winners.

You’ll also want to keep reading for a message from Liquid, and how to upgrade your trading setup for a 24/7 market world.

It’s all happening—and that’s just the start…

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Let’s dive in!

🌎 3 Major Stories

Dive into this week’s top Fintech developments.

OpenAI Snags Hiro: Fintech’s AI CFO Moment 🤯

The Big Story 📰: OpenAI has taken another leap into the financial sector by acquiring personal finance fintech Hiro. This deal will see the Hiro app shut down by April 20, allowing users to export their data until May 13. Founded by Digit’s Ethan Bloch, Hiro branded itself as an “AI personal CFO” and managed over $1 billion in assets for clients. Although the deal’s terms remain undisclosed, it marks OpenAI’s second fintech move, following its acquisition of personal finance app Roi. OpenAI's involvement with financial institutions highlights how generative AI is reshaping personalized financial guidance, but challenges like fiduciary responsibility loom large over AI advisors.

Key Takeaway ⚡️: OpenAI’s acquisition of Hiro signals a strategic expansion into the financial services landscape, defining a trend where AI firms are becoming integral in shaping how financial advice is delivered. This move not only enhances OpenAI’s arsenal in AI-driven personal finance solutions but raises pressing questions about accountability in AI-generated advice. With the ongoing interest from financial institutions, this could drastically alter consumer engagement with wealth management services. As the fintech sector evolves, stakeholders must consider the implications of replacing human advisors with AI, especially the absence of fiduciary duties that protect consumers.

Amex Unveils AI-Powered Commerce Kit 🚀

The Big Story 📰: American Express is stepping boldly into the future of commerce with its new Agentic Commerce Experiences (ACE)™ Developer Kit and Amex Agent Purchase Protection™, an unprecedented safeguard for transactions made via registered AI agents. The ACE Developer Kit boasts a flexible framework allowing developers to integrate American Express services into AI interactions seamlessly. This innovation reflects a broader trend in fintech where trust and security in AI-assisted purchasing become paramount. With these new offerings, American Express is positioning itself as a leader in the evolving landscape of AI-powered commerce, ensuring that both Card Members and merchants can engage in transactions with confidence and safety.

Key Takeaway ⚡️: American Express's introduction of the ACE Developer Kit and protection for AI-assisted purchases signifies a major shift in how financial transactions might be carried out in the future. As AI technology reshapes consumer behavior, this move is crucial for any fintech enthusiast and industry professional to watch. The capacity to authenticate transactions completed by AI agents while maintaining high security standards strengthens AMEX’s market position and sets a precedent for other financial service providers. For businesses, this opens up fresh avenues for integrating AI into their operations while ensuring compliance and consumer trust, making it a pivotal moment in the fintech landscape.

Wall Street Banks Pilot Anthropic's AI Model 🤖🚨

The Big Story 📰: Wall Street banks are stepping up their internal testing of Anthropic PBC’s Mythos model, as officials from the Trump administration push for its use in identifying potential vulnerabilities. While JPMorgan Chase & Co. has been specifically highlighted as part of this initiative, several other leading financial institutions are either currently testing the model or are set to gain access shortly. This engagement with AI technology could reshape how these banks manage risk, with the Mythos model offering sophisticated analysis abilities to enhance security protocols. The move underscores not just the urgency for better risk assessment tools but also the growing trend of utilizing AI to strengthen financial stability.

Key Takeaway ⚡️: The exploration of the Mythos model is a significant step for Wall Street in utilizing AI to bolster risk management and security. For fintech enthusiasts and industry professionals, this signifies a tide shift toward incorporating advanced machine learning tools in traditional financial practices. As banks test these capabilities, there's potential for transformative changes in how vulnerabilities are detected and mitigated. This development could generate new regulatory considerations around AI in finance, potentially shaping the landscape for future innovations. Expect other institutions to follow suit as they seek to adopt similar technologies to stay competitive and secure.