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Mine

Category: AI in Fintech

An AI-powered personal finance platform featuring an autonomous money agent designed to help young adults manage spending, build credit, and grow wealth. Mine was founded in 2021. The company is led by Carlo Kobe. Based in New York, USA. Team size: 11-50. Total funding raised: $28.5M (Seed $14.4M + Series A $14M + earlier). Latest round: Series B ($30M, Dec 2023). Key investors include 359 Capital, Kleiner Perkins, SV Angel, Y Combinator, New Era Ventures.

Founded
2021
Headquarters
New York, USA
Team size
11-50
Total funding
$28.5M (Seed $14.4M + Series A $14M + earlier)

Value proposition

Shifts personal finance from passive tracking to autonomous management, providing proactive credit building and hyper-personalized financial coaching without the need for manual expertise.

Products and solutions

MoneyGPT: An AI personal finance agent providing real-time advice and weekly financial health reports., Mine Card: A no-interest, daily-autopay credit-builder card designed for those with limited credit history., Autonomous Budgeting: AI-driven spend tracking and category limit enforcement., Credit Score Architect: A step-by-step system for establishing and monitoring credit scores.

Unique value

Pivoted from a traditional credit-builder app to an 'agentic' AI model where the software acts as a proactive personal CFO rather than a static dashboard.

Target customer

Gen Z, college students, and young professionals transitioning into financial independence.

Industries served

Fintech, Consumer Finance, Artificial Intelligence, Education Technology

Technology advantage

Integrates a proprietary LLM-based financial mentor (MoneyGPT) directly with a transaction-level credit product, allowing the AI to provide advice based on real-time spending and credit-building data.

How they differentiate

Utilizes 'Agentic AI' (MoneyGPT) that acts as a proactive personal CFO rather than a passive dashboard, integrated directly with a proprietary no-interest credit-builder card.

Main competitors

Cleo, Step, Copilot

Key partnerships

359 Capital (Lead Series A Investor), Kleiner Perkins (Lead Seed Investor), Y Combinator (S21 Alumnus), SV Angel (Strategic Investor), Lead Bank (Banking Partner), Mastercard (Payment Network)

Notable customers

Gen Z consumers, University students (100+ campuses via legacy Fizz platform)

Major milestones

Accepted into Y Combinator S21 batch, Raised $14.4M Seed round led by Kleiner Perkins in June 2024, Rebranded from Fizz to Mine in 2025, Launched MoneyGPT, an autonomous AI personal finance agent, in 2026, Secured $14M Series A led by 359 Capital in January 2026, Hit $10M ARR and 1M users by Jan 2026

Growth metrics

Total funding reached $28.5M. Mine has ~1M users, hit $10M ARR, 70% of customer base younger than 30. Expanded from student credit building to AI personal finance agent with MoneyGPT.

Market positioning

Gen Z-focused AI financial agent and credit-building ecosystem.

Geographic focus

United States

Patents and IP

Mine® is a registered trademark in the U.S. Patent and Trademark Office; no specific utility patents for AI logic publicly disclosed as of early 2026.

About Carlo Kobe

Carlo Kobe is the Co-founder and CEO of Mine (formerly Fizz). He is a Harvard University dropout who left to build Fizz, which was part of the Y Combinator S21 batch. Before founding Mine, he served as a Product Manager at Merantix, a leading AI research and venture studio in Berlin. He has been recognized in the Forbes 30 Under 30 list for Finance and was a Thiel Fellowship finalist. Under his leadership, the company pivoted from a student-focused credit builder to an AI-powered personal finance agent.

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