Advi — Bank Smarter

Two Apps in One Experience. Better Together.

You use one app to track your money. Another to bank. They don't talk to each other. Your budgeting app knows you overspend on dining out — but your bank doesn't care. Your bank sees your paycheck hit — but has no idea if you're saving enough.

What if your bank actually knew you?

Know Your Money

AI-powered scoring across Spend, Save, Borrow, Grow, and Learn. See your complete financial health picture.

✓ Spending analysis & coaching
✓ Savings & emergency fund tracking
✓ Debt optimization strategies
✓ Investment health monitoring
✓ Financial literacy education

Better Together

Your financial intelligence powers your banking experience

Grow Your Money

Banking with rewards powered by your financial health score.

✓ Savings with goal buckets
✓ Lending that looks beyond FICO
✓ Health-based cashback rewards
✓ Debit card with in-app controls
✓ Your coach and your accounts in one app

Financial Health

Know Your Money

Five pillars. One score. A complete picture of your financial health — with personalized coaching to make it better.

📊

7.2

out of 10

Spend

Know where every dollar goes

AI categorizes your spending into needs, wants, and cashflow — then scores your habits and coaches you toward healthier patterns.

🛡️

8.5

out of 10

Save

Build your safety net

Evaluates emergency fund adequacy, savings rate, and goal progress — then recommends actions to strengthen your financial safety net.

⚖️

out of 10

Borrow

Master your debt

Analyzes debt utilization, interest rates, and repayment patterns — then guides you toward smarter debt management.

📈

7.8

out of 10

Grow

Invest in your future

Assesses portfolio allocation, employer match optimization, and net worth trajectory to guide long-term wealth building.

🎓

out of 10

Learn

Level up your money skills

Delivers structured financial literacy through bite-sized modules, quizzes, and AI coaching — closing knowledge gaps that cost you money.

📊

Spend

Know where every dollar goes

7.2

/ 10

AI categorizes your spending into needs, wants, and cashflow — then scores your habits and coaches you toward healthier patterns.

🛡️

Save

Build your safety net

8.5

/ 10

Evaluates emergency fund adequacy, savings rate, and goal progress — then recommends actions to strengthen your financial safety net.

⚖️

Borrow

Master your debt

/ 10

Analyzes debt utilization, interest rates, and repayment patterns — then guides you toward smarter debt management.

📈

Grow

Invest in your future

7.8

/ 10

Assesses portfolio allocation, employer match optimization, and net worth trajectory to guide long-term wealth building.

🎓

Learn

Level up your money skills

/ 10

Delivers structured financial literacy through bite-sized modules, quizzes, and AI coaching — closing knowledge gaps that cost you money.

Banking

Grow Your Money

Banking products powered by your financial health score. Better habits unlock better banking — automatically.

Everyday account

Checking

Banking that pays you back

✓ Interest-bearing
✓ Early direct deposit
✓ Advi Debit card

Learn more →

Rate set at account opening

Savings

Savings next to your coach

✓ Goal buckets
✓ Counts toward your Save score
✓ Move money in with one tap

Learn more →

Beyond FICO

Personal Loans

Conscience lending

✓ Holistic underwriting
✓ Payoff coaching
✓ Tracked in your Borrow score

Learn more →

Earn more as you improve

Credit Card

Rewards for healthy habits

✓ Health-based cashback
✓ Milestone bonuses
✓ Tracked in your Spend score

Learn more →

Advi is a financial technology company, not a bank. Advi deposit accounts are in development and not yet available.

Additional products including CDs, Money Market, and Line of Credit coming soon.

Your Journey to Smarter Money

From your first score to building real wealth — here's how Advi transforms your financial life.

STEP 1

Get Your Financial Health Score in Minutes

Connect your accounts and Advi instantly scores your financial health across five pillars — Spend, Save, Borrow, Grow, and Learn. No judgment. No guesswork. Just a clear, honest picture of where you stand.

✓ Connect accounts securely in 60 seconds
✓ Get your score from 0-10 across all five pillars
✓ See exactly where you're strong and where to improve

7.4

Your Financial Health Score

Good — Room to Grow! 🌱

7.2

Spend

8.5

Save

6.0

Borrow

7.8

Grow

9.0

Learn

Advi

Your AI Financial Coach

Your Borrow score is 6.0 — here's a quick win: pay $200 extra on your highest-rate card this month. That drops your card utilization and bumps your score to 6.8. 📈

That 0.8 improvement lifts your overall Financial Health Score too — and less of your money goes to card interest. 💰

Do it! Set up the extra payment.

Done! ✅ I scheduled $200 extra to your card ending 3847 on the 15th. I'll check back next month to see your score improvement.

STEP 2

Meet Advi — Your AI Financial Coach

Advi isn't just an app — it's your AI-powered financial coach that lives in your pocket. It analyzes your scores, finds quick wins, and tells you exactly what to do next — in plain language.

✓ Personalized coaching based on YOUR numbers
✓ Shows the dollar impact of every recommendation
✓ Takes action for you — one tap to implement

STEP 3

Share, Compare & Climb the Leaderboard

Money doesn't have to be lonely. Share your progress, compare anonymously with people like you, and compete on the leaderboard. Improving your finances is more fun (and more effective) when it's social.

🏆 Weekly leaderboards — compete with your age/income peer group
📊 Anonymous peer comparison — "You save more than most people your age"
🎯 Challenges — "Save $500 this month" with friends
🏅 Badges and streaks — celebrate milestones and consistency

🏆 Weekly Leaderboard

Ages 25-34

🏅

Sarah M.

9.2

😊

Marcus T.

8.8

You

You ↑ 2 spots this week!

7.4

😄

Chris L.

7.1

🙂

Jamie R.

6.9

Your Score → Your Net Worth

How improving your financial health score impacts your wealth over time:

Current trajectory (score 7.4) +$48,200

If you reach score 8.5 +$82,600

If you reach score 9.5 +$124,800

Based on 10-year projection including higher savings, lower debt interest, optimized investments, and healthy spending habits. Individual results vary.

STEP 4

Watch Your Wealth Grow

Every point on your score has a real dollar impact on your net worth. Better spending habits mean less waste. Higher savings scores build a stronger safety net. Lower borrowing costs free up cash. Better investing grows your portfolio.

Your Advi score isn't just a number — it's a wealth engine. As your financial health improves, your banking rewards increase, your costs decrease, and your money works harder. The gap between a 7.0 and a 9.0 is worth tens of thousands of dollars over time.

Advi says: "At your current pace, improving from 7.4 to 8.5 will add an estimated $34,400 to your net worth over the next 10 years. Let's get there together."

Get Your Score → Get Coached → Share & Compete → → Build Wealth

Ready to Bank Smarter?

Get your financial health score in minutes. Free, no credit card required.

Get Started Free