Zeen is a personal AI financial copilot designed to help people understand, protect, and grow their wealth. Its autonomous finance platform connects to users’ financial accounts, analyzes their finances, and identifies risks, unnecessary costs, idle cash, and opportunities to make progress toward their goals. Users can set priorities such as saving more, reducing debt, or cutting waste, then review Zeen’s recommendations, ask questions, and decide how much autonomy to grant.

The service features three specialized AI agents: Guard monitors for potential problems such as upcoming overdrafts, forgotten subscriptions, and rising bank fees; Guide explains spending patterns and offers practical recommendations; and Grow identifies ways to improve finances, including moving idle cash to higher-yield accounts or reducing interest costs. Zeen begins with read-only account access and surfaces suggested actions for users to approve. Its progressive trust model allows users to grant more permission over time, with the ability to revoke access. Zeen says financial data is encrypted, not sold or shared with advertisers, and connected through regulated open banking.