A deep dive into building a conversational AI that makes personal wealth management accessible, transparent, and effortless.
WealthFluent (formerly Ripsaw) is a U.S.-based fintech company. They are on a mission to democratize financial planning. By combining portfolio tracking, goal setting, and self-directed investment tools, they help users control their financial future. WealthFluent needed a partner to transform their platform from a passive tracking tool into an intelligent companion.
The client approached us with a clear vision: Make finance feel friendly.
Their platform was powerful, but users felt overwhelmed by charts and numbers. WealthFluent wanted to bridge this gap with an AI companion that could explain complex data in plain English.
However, they faced two critical hurdles:
1. Trust & compliance: The AI needed to provide helpful insights without crossing the line into "financial advice," which triggers strict legal regulations.
2. Data overload: The system had to process massive amounts of live transaction data in real-time. A slow chatbot would kill the user experience, but a fast one risked hallucinating (making things up).
We moved beyond standard chatbot integration to build a true Financial Intelligence Engine.
Our pillars:
We engineered the AI to act as an educator. It analyzes data and offers educational insights, empowering users to make their own decisions while keeping the platform compliant.
We combined the creativity of large language models with deterministic logic. This means the AI writes the friendly text, but a calculator does the math — ensuring numbers are always 100% accurate.
Instead of a boring tutorial, the AI interviews new users, helping them set up their profiles and goals through a natural conversation.
Smart data pre-processing: To ensure speed, we built a layer that filters and summarizes account data before it reaches the AI. This allows the bot to give instant answers about spending trends without lag.
Contextual education: We connected the bot to a curated library of financial knowledge. Users can highlight any term in the chat to get a fast, plain-English definition.
Scalable architecture: We designed the system to grow. It is currently ready for the next phase: an AI-driven Portfolio Optimizer that will simulate investment scenarios based on user goals.
AI Platform
Web Framework
Infrastructure
Data & Logic
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The AI assistant transformed WealthFluent from a tracking tool into an interactive financial guide.
Users now receive proactive data-driven hints. The system identifies spending patterns and suggests budget adjustments automatically.
The AI handles 100% of initial onboarding, guiding users through complex setup processes that previously required human support or static FAQs.
By using Amazon Bedrock, we established a flexible foundation. This allows WealthFluent to swap in newer, faster AI models as soon as they are released without rewriting code.
Let's discuss how we can engineer your success.