OpenAI acquires Hiro, an AI personal finance startup



Hiro is shutting down on 20 April and deleting all user data by 13 May. Founder Ethan Bloch previously sold Digit to Oportun for more than $200M. Terms of the deal were not disclosed.


OpenAI, the San Francisco AI lab behind ChatGPT, has acquired Hiro Finance, an AI-powered personal finance planning startup, with founder Ethan Bloch and his staff moving to OpenAI. Bloch announced the deal on LinkedIn and OpenAI confirmed it.

Terms were not disclosed, nor did Hiro ever publicly disclose how much it had raised. Hiro had approximately ten employees, all of whom are joining OpenAI. Bloch did not respond to a request for further comment.

Hiro was founded in 2023 and launched its AI tool roughly five months ago. The app offered AI-powered financial planning for consumers: users entered information about their salary, debts, and monthly costs, and the platform modelled different what-if scenarios to support financial decision-making.

A notable design choice was a verification option that allowed users to check the accuracy of the AI’s financial maths, a deliberate feature at a time when large language models had a documented weakness with numerical reasoning.

The startup was backed by Ribbit Capital, General Catalyst, and Restive.

Bloch is a serial entrepreneur with a consistent track record in fintech and consumer software. He sold Flowtown, a social media SaaS tool launched in 2009, for $5 million. He subsequently founded Digit, a digital-only bank designed to automate saving for consumers, which was acquired by Oportun in 2021 for more than 00 million.

He has described Hiro as his fifteenth project, having started building products as a 13-year-old, with the first thirteen failing. This acquisition is his third exit.

This is not OpenAI’s first acquisition in the financial services space, and the company already markets ChatGPT as a tool for business finance teams. The Hiro deal adds focused talent in consumer financial planning, a category where specialised AI reasoning around budgets, debt paydown sequencing, and savings optimisation requires a different product approach than general-purpose chat.

Whether OpenAI intends to build a dedicated consumer financial planning product or fold the expertise into its broader platform is not yet clear.



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Recent Reviews


After being teased in the second beta, the new “Bubbles” feature is finally available in Android 17 Beta 3. This is the biggest change to Android multitasking since split-screen mode. I had to see how it worked—come along with me.

Now, it should be mentioned that this feature will probably look a bit familiar to Samsung Galaxy owners. One UI also allows for putting apps in floating windows, and they minimize into a floating widget. However, as you’ll see, Google’s approach is more restrained.

App Bubbles in Android 17

There’s a lot to like already

First and foremost, putting an app in a “Bubble” allows it to be used on top of whatever’s happening on the screen. The functionality is essentially identical to Android’s older feature of the exact same name, but now it can be used for apps in addition to messaging conversations.

To bubble an app, simply long-press the app icon anywhere you see it. That includes the home screen, app drawer, and the taskbar on foldables and tablets. Select “Bubble” or the small icon depicting a rectangle with an arrow pointing at a dot in the menu.

Bubbles on a phone screen

The app will immediately open in a floating window on top of your current activity. This is the full version of the app, and it works exactly how it would if you opened it normally. You can’t resize the app bubble, but on large-screen devices, you can choose which side it’s on. To minimize the bubble, simply tap outside of it or do the Home gesture—you won’t actually go to the Home Screen.

Multiple apps can be bubbled together—just repeat the process above—but only one can be shown at a time. This is a key difference compared to One UI’s pop-up windows, which can be resized and tiled anywhere on the screen. Here is also where things vary depending on the type of device you’re using.

If you’re using a phone, the current bubbled apps appear in a row of shortcuts above the window. Tap an app icon, and it will instantly come into view within the bubble. On foldables and tablets, the row of icons is much smaller and below the window.

Another difference is how the app bubbles are minimized. On phones, they live in a floating app icon (or stack of icons) on the edge of the screen. You are free to move this around the screen by dragging it. Tapping the minimized bubble will open the last active app in the bubble. On foldables and tablets, the bubble is minimized to the taskbar (if you have it enabled).

Bubbles on a foldable screen

Now, there are a few things to know about managing bubbles. First, tapping the “+” button in the shortcuts row shows previously dismissed bubbles—it’s not for adding a new app bubble. To dismiss an app bubble, you can drag the icon from the shortcuts row and drop it on the “X” that appears at the bottom of the screen.

To remove the entire bubble completely, simply drag it to the “X” at the bottom of the screen. On phones, there’s also an extra “Manage” button below the window with a “Dismiss bubble” option.

Better than split-screen?

Bubbles make sense on smaller screens

That’s pretty much all there is to it. As mentioned, there’s definitely not as much freedom with Bubbles as there is with pop-up windows in One UI. The latter allows you to treat apps like windows on a computer screen. Bubbles are a much more confined experience, but the benefit is that you don’t have to do any organizing.

Samsung One UI pop-up windows

Of course, Android has supported using multiple apps at once with split-screen mode for a while. So, what’s the benefit of Bubbles? On phones, especially, split-screen mode makes apps so small that they’re not very useful.

If you’re making a grocery list while checking the store website, you’re stuck in a very small browser window. Bubbles enables you to essentially use two apps in full size at the same time—it’s even quicker than swiping the gesture bar to switch between apps.

If you’d like to give App Bubbles a try, enroll your qualified Pixel phone in the Android Beta Program. The final release of Android 17 is only a few months away (Q2 2026), but this is an exciting feature to check out right now.

A desktop setup featuring an Android phone, monitor, and mascot, surrounded by red 'missing' labels


Android’s new desktop mode is cool, but it still needs these 5 things

For as long as Android phones have existed, people have dreamed of using them as the brains inside a desktop computing setup. Samsung accomplished this nearly a decade ago, but the rest of the Android world has been left out. Android 17 is finally changing that with a new desktop mode, and I tried it out.



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