OpenAI has acquired Hiro Finance, a US-based AI personal finance startup that described itself as a "personal AI CFO" for consumers. Founder Ethan Bloch announced the OpenAI Hiro Finance acquisition in a LinkedIn post, and OpenAI separately confirmed the deal to TechCrunch. Financial terms have not been disclosed, but the structure of the OpenAI Hiro Finance acquisition is widely seen as an acqui-hire focused on bringing in specialist fintech talent.

Backed by investors including Ribbit Capital, General Catalyst and Restive Ventures, Hiro Finance built an AI-powered planning app that asked users for details such as salary, debts, savings and monthly expenses, then modelled "what-if" scenarios to guide major money decisions. The startup, founded in 2023, only launched its core product around five months ago.

As part of the OpenAI Hiro Finance acquisition, the consumer app is being wound down. Hiro has already stopped accepting new sign-ups, will cease functioning on 20 April 2026 and will delete all user data from its servers by 13 May 2026. Users have been given the option to export their information before that final deletion date.

Bloch has said that Hiro's employees will join him at OpenAI, with LinkedIn data indicating a team of around ten people moving across in the OpenAI Hiro Finance acquisition. OpenAI has not yet outlined concrete product plans, but the deal follows its earlier purchase of AI-powered personal finance app Roi and reflects growing interest in AI tools for both consumer and enterprise finance.

The OpenAI Hiro Finance acquisition also brings a seasoned fintech founder into OpenAI's ranks. Before Hiro, Bloch created Digit, an automated savings and neobanking platform that helped users put aside billions of dollars. Digit was acquired by US lender Oportun in 2021 in a deal valued at about 238 million dollars, underscoring Bloch's long-term focus on improving people's financial health through software.

In his LinkedIn announcement on the OpenAI Hiro Finance acquisition, Bloch said the mission that drove both Digit and Hiro, improving people's financial well-being, "has not changed" and feels even more urgent as AI systems like ChatGPT mature.

The OpenAI Hiro Finance acquisition will not immediately deliver a new consumer product, but it clearly deepens OpenAI's capabilities in financial planning, data modelling and consumer fintech design. With Hiro's small but focused team now inside the company, industry watchers expect OpenAI to keep experimenting with finance-related use cases, from personal "AI CFO" assistants to tools for banks and other financial institutions.