Hey, I'm KOBO

Who manages your investments?

First it learns what you own.

Ask it to connect your accounts.

Ask once.

See what you could borrow.

Money lands.

Your limit got hit?

200M ask AI about money monthly.

Featured plugins are the growth vertical for 2027.

The local market

How do we make money?

Meet Rafael
Co-Founder

Meet Nils
Co-Founder

Our agents already work for us.

What's live.

KOBO. The voice of your money.

9:41

Private banking

Your relationship managerOne person who knows your goals, your family and your portfolio.

Calls when markets moveBefore you have to ask✓

Remembers every decisionAnd why you made it✓

Prepares your tax papersReady when you need them✓

Available toClients with significant assetsFew

‹

Your AI

What do I own, all in?

I don't have access to your bank, broker or wallet accounts. If you paste your statements, I can try to add them up.

Any AI today

€126,140

Trade Republic€52,640

Deutsche Bank€24,600

Income€4,750 / month

Kraken€9,800

Hedera wallet€5,600

Gold deposit€12,000

TokenForge€21,500

‹

KOBO ›

Mon 9:10

Connect my accounts.

Done. Connected:
Hedera wallet ✅
Deutsche Bank ✅
Finanzguru ✅

Read 412 transactions 📄
Saved to memory 🧠

How was my week?

Income +€4,750 💰
Spendings −€1,320 🛒
Left over +€3,430 🎉

Tue 18:38

What do I own?

Your wealth: €126,140 💎
Stocks €52,640 📈
Cash €24,600 💶
Tokenized €21,500 🏢
Crypto €15,400 🪙
Gold €12,000 🥇

Thu 11:05

How much can I borrow?

You can borrow up to €55,000 🏦

Fri 16:20

Good news! Your invoice got paid 🧾
+1,000 USDC in your Hedera wallet 💵
Logged in your brain 🧠

+Text Message

mobile

KOBO

Tap to follow the call

Hi! HBAR fell 15% last night.

Is that bad?

You set a rule: if HBAR falls 15%, buy €500 more.

Buy now?

Yes, do it.

Audio

FaceTime

Mute

End

Keypad

Decline

Choose your plan

Free

€0

Tracking and your wealth overview, in your AI.

Sole traders and freelancers

€9 / user / month

Plus tax exports, connections, call and WhatsApp assistant.

Companies, family offices, funds

€19 / seat / month

Everything, with shared seats.

Agent log

> x402 endpoints on testnet… live since May 2026

> Hedera x402 · USDC settlement… integrating

> Algorand x402 Hackathon… 1st place

> Agent skills on Hermes… live

> Qonto via MCP… tested

> Stripe… integrated

> TokenForge connector… in testing

> Go-live… December 2026

What KOBO does

Knows and explainsPre-seed, now

RecommendsSeed, with licence

Acts for youSeries A: wallets, credit lines

Claude

ChatGPT

Copilot

€10T

sleeping in EU banks 🇪🇺

European Commission 2025 · Deutsches Aktieninstitut 2026

Revenue plan

€9 individuals€19 companies, funds

ARR planEU US

$0.1M

Dec 26300 users

$31M

2027258k users

$74M

2028625k users

$265M

20292.2M users

KOBO plan, launch December 2026

Rafael Schultz

18 years of experience

#2ndTimeFounder#BankingToWeb3

Nils Engeln

9 years of experience

#€12MDeployed#AgenticDD

Integrations

Connects to∞

HederaTesting

Deutsche BankStatements

ClaudeNext

StripeLive

CommerzbankStatements

RevolutStatements

Microsoft CopilotNext

QontoTesting

Trade RepublicStatements

ChatGPTNext

SparkasseStatements

HermesLive

KrakenStatements

TokenForgeTesting

INGStatements

GeminiNext

Scalable CapitalStatements

AirwallexNext

CoinbaseStatements

DKBStatements

WiseNext

BitpandaStatements

comdirectStatements

ConsorsbankStatements

Your bankStatements