I Used to Build AI for Billionaires. Now I’m Building It for You.

Why we launched Cent Capital: a mission to end money-related stress.

For years, my job was to build complex AI for some of the biggest players on Wall Street. It was cutting-edge work, using the most powerful technology on the planet to make sense of money.

But outside of work, I saw a different story. I saw my friends and family — smart, hardworking people — dealing with a quiet, constant stress about their own money. They had accounts all over the place and a nagging fear of the unknown. All the best technology was being used to help the rich get richer, while everyone else was left with spreadsheets and anxiety.

That never felt right to me. I believe feeling good about your money is a right, not a luxury. That’s why I left my job, and it’s why we built Cent Capital.

Today, after a year of hard work, we are officially launching.

Your Money, All in One Place

Let’s be honest: keeping track of money can be a mess. You have a checking account, a savings account, a few credit cards, maybe some investments. Trying to get a clear answer to the question, “How am I really doing?” requires a dozen different logins.

This confusion is what causes so much stress. It’s how you end up paying for a subscription you forgot about or get hit with a surprise bank fee.

We designed Cent Capital to fix this first. Within about a minute of signing up, you can securely link all of your accounts. No more switching between ten different apps.

For the first time, you can see your entire financial life in one clean, simple dashboard.

An AI Partner That’s on Your Side

Seeing your money is one thing, but understanding it is what really matters. A simple dashboard isn’t enough. You need a partner that’s actively looking out for you.

This is where our AI comes in. It doesn’t just show you charts; it spots what you might miss. It learns your spending habits and gives you gentle nudges to help you improve. It’s the alert that catches a bill that’s suddenly higher than last month. It’s the insight that notices your spending is going up while your emergency fund is low, and suggests a change before it becomes a big problem.

This isn’t about judging you. It’s about having a supportive co-pilot that’s always on your side.

Getting Started is Simple

We believe the first step to feeling better about your money should be the easiest one. We made our setup process as simple as possible. There are no complicated forms or confusing steps. It’s just three simple steps: sign up, link your bank, and see your new dashboard. That’s it.

Our Foundation is Your Trust

Trusting any company with your financial information is a huge deal, and we built our entire system to earn and keep that trust.

Our philosophy is “Privacy First. Always.” We use Plaid, the same secure service trusted by apps like Venmo and Chime, and protect your data with bank-level encryption. We also have read-only access, which is a fancy way of saying no one can ever move your money using our platform. We will never sell your personal data.

We built Cent Capital for you. It’s the tool I wish my own friends and family had years ago. This launch is just the beginning of our mission to help people feel confident, clear, and in control of their money.

We invite you to join us on this journey.

Visit us at https://cent.capital to get started.

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Published on September 27, 2025 08:51
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Future of Finance & Technology

Shivam    Singh
A blog by author and Cent Capital CEO Shivam Singh. Here, I'll share insights on the topics that define our future: AI, FinTech, blockchain, and system design. This is a space to explore how technolog ...more
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