- Agent financial intelligence platform Kiro Money has partnered with Houston, Texas-based Heritage Hub Federal Credit Union.
- Heritage Hub FCU, founded in 2025, will use Kiro Money’s technology to power its new Heritage Hub AI Money Coach, providing members with personalized, expert-informed financial advice.
- Kiro Money is headquartered in San Francisco and made its Finovate debut at FinovateSpring 2026 in San Diego.
Kiro moneyan embedded agent financial intelligence layer for digital platforms, has announced a partnership with Heritage Hub Federal Credit Union. The Houston, Texas-based financial institution has partnered with Kiro to deploy its new branded AI financial tool, which Heritage Hub AI Money Coach. The new offering is accessible directly from the Financial Literacy page on the credit union’s website and is powered by Kiro’s AI. It offers Heritage Hub FCU members access to personalized, expert financial advice – without the need for additional staff or scheduled appointments.
“144.7 million Americans are credit union members, not customers, served by institutions built on people helping people, not quarterly revenue,” Kiro Money CEO Alisha Chowdhury wrote on the company’s LinkedIn page. “They serve the communities that big banks overlook. But even the most determined credit union can’t have a coach next to every member 24/7. That’s the gap Kiro Money is filling.”
The new offering is set to launch on August 1st as a free resource for members. The AI Money Coach tracks members’ finances in real-time and aggregates data across linked accounts to monitor multiple categories simultaneously. The solution tracks real-time bank account balances, cross-institutional integration data, historical spending patterns, cash flow, tax records and investment portfolio information, including total asset holdings and performance returns. The AI money coach also tracks the user’s progress toward financial goals, such as: B. buying a home, saving for retirement, and building an emergency fund. This enables the solution to provide accurate, contextual answers to a range of common and complex financial questions.
In a post on Heritage Hub FCU’s LinkedIn page, Bolaji Ajimotokan, the institution’s President and CEO, discussed the current affordability challenges facing many households and explained how this context helped convince him of the value of partnering with Kiro Money. “For many households…housing costs and insurance premiums in particular remain well above pre-pandemic levels, even as the rate of increase slows. This difference is important. A slower rate of increase does not equate to relief, and for many of our members, the everyday questions have not gone away: How do I build a buffer for rising insurance costs? Is this the right time to lock in savings at a fixed rate? How do I budget when my fixed costs are constantly changing? This is one of the reasons we are with Kiro Money is launching the Heritage Hub AI Money Coach… to help members answer exactly these types of questions, based on our own products and expertise, whenever they arise.”
Heritage Hub FCU launched in October 2025 to serve underbanked African American and Latino communities in the greater Houston area. It offers free checking, competitive auto loans, high-interest money market accounts and tax preparation services. Deposits are protected up to $250,000 by the National Credit Union Administration (NCUA) and the financial institution is Kiro’s first credit union partner.
Kiro Money was founded in 2024 and is headquartered in San Francisco, California. The company made its Finovate debut at FinovateSpring 2026 in San Diego. At the conference, the company showcased its financial intelligence technology, which routes individuals’ financial inquiries to specialized agents capable of providing answers to complex financial questions, offering product recommendations, facilitating account openings and portfolio adjustments, and more. Kiro’s AI chat agents also leverage real-time user context to identify “moments of intent” when customers need advice. The white label offering can be delivered securely via API or embedded code and provides enterprise-grade security.
Interested in companies developing solutions for credit unions? Our Credit Union Spotlight at FinovateFall is a unique opportunity for credit union executives to engage and network with a curated selection of fintechs with targeted solutions for credit unions. Find out more about this invitation-only event.
Photo by Dennis Lamberth on Unsplash
https://finovate.com/category/kiro-money/
