Ensō is a personal finance brand building an AI-powered guide to help people understand and manage their money. Its service brings information from connected accounts into one clear view, then analyses balances, transactions, spending patterns and recurring charges to explain what matters and suggest useful next steps. Features include dashboards, transaction categorisation, budgeting tools, and a conversational assistant that answers questions in plain language using the customer’s financial context.

Ensō also supports healthier money habits with timely prompts, visible progress tracking and practical guidance for goals such as reducing subscriptions or setting aside savings. The service is designed for people managing money across multiple accounts, with an initial focus on Bulgaria and a broader ambition to serve people across Europe. Ensō says account access is read-only through regulated Open Banking, so it cannot move money or hold funds.

It highlights explainable recommendations, separation of identity details from financial records, and an approach designed around GDPR and the EU AI Act. Ensō is currently inviting users to join its early-access waitlist