Cleo

Money never sleeps. And neither does Cleo. We’re too busy making moves. And today we made two big ones: we launched self-driving money with Autopilot, and we also launched ourselves back to the UK. Again. Here’s a look at what’s new: 1. Autopilot turns money insights into automated money moves. Autopilot doesn’t just analyze your money history. It anticipates the future, breaks big-picture goals into daily guidance, and takes action on your behalf to boost progress. 2. Plans that adjust in real-time.
 Say bye to static budget plans. Autopilot recalculates automatically as spending shifts. 3. Built for autonomy.
 Autopilot’s powered by a multi-agent architecture, advanced transaction enrichment, adaptive planning models, and continuous learning. Capabilities scale, while accuracy and effectiveness improves. 4. Better spending today, endless possibilities next. Today Autopilot can prevent overdrafts, suggest merchants to block based on your spending habits, and remind you to cancel unused subscriptions. In 2026 we’ll add dozens of new goals and actions, like automatic bill negotiation and insurance optimization. 5. And more big news. Cleo’s back in the UK. $350 million ARR, 5 billion messages, and 4 trillion transactions later, and nowhere to grow but bigger. Check out Autopilot here: bit.ly/49YGC0F, and join the UK waitlist below. So yeah, it’s already been a huge year—and we’re just getting started.

Is buying a house in the cards? Cleo can show you how to make it happen. She tells you how much you can afford based on your income and how to save up for a down payment. She’ll even help you build up a little cushion, so you can get yourself some nice furniture, too.

USA kept it out of the net. We kept our promise. SAVE & SAVE is unlocked. Enter for your chance to win a month of Cleo+. #worldcupknockouts #teamusa #usavsbelgium

SAVE & SAVE has officially been unlocked. Team USA made 3 saves. Now 25 people can score one month of Cleo+. Enter now. CLICK THE LINK: web.meetcleo.com/usawc #worldcup #winfreestuff #giveaway

8 PM ET TONIGHT! If Team USA makes 3 saves against Bosnia and Herzegovina, we'll unlock SAVE & SAVE and give 25 people one month of Cleo+. (link will be shared when unlocked..) #WORLDCUP #FREESTUFF

Your refund hit. Cleo already saw it. No refreshing. No checking your account five times. When your money comes back, she lets you know. We’re always optimizing with you in mind.

London, you showed up. Last week, we brought Cafe Cleo to the heart of the city—serving coffee, conversations, and a reminder that money doesn't have to be intimidating. From the first coffee of the morning to the last chat of the day, it was incredible meeting people in real life and seeing the Cleo community come to life offline. Thanks to everyone who stopped by. More to come.

Fun fireside with @collision at Stripe Tour London yesterday. - Fable hot takes - Running an org in the AI era - Why the EU/UK suck at tech Full thing here: youtube.com/watch?v=70kWqO…

Hundreds of auditions. Six months of testing. One unmistakably Cleo voice. Massive thanks to @ElevenLabs for helping us bring Cleo to life and for teaming up with us on our co-branded billboards across London during @LondonTechWeek and @SXSWLondon . Together, we searched for the perfect voice, then used ElevenLabs' technology to clone and refine it until it felt authentically Cleo. The billboards are up. Now we're sharing how it happened. Behind the scenes: web.meetcleo.com/blog/how-we-ta…

“We had to really rely on humor, so we had 30 female comedians on staff writing every single line of copy. We found that humor and money actually go together weirdly well. There’s a roast mode that makes fun of your spending, and people really like that as a way to engage them in simple, actionable financial advice. Increasingly, it's just taking action on their behalf. It's moving accounts, it's moving money, it's getting them the best credit.” @Barney_H_Y @collision

The biggest model isn’t always the best one. We replaced the larger general-purpose model behind Cleo’s quick replies with a smaller fine-tuned version. Median latency more than halved, while user engagement went up. How we trained it, and what we learned in production: web.meetcleo.com/blog/fine-tuni…

Cleo can help you plan for retirement, too. She breaks down what’s coming in, what’s going out, and what you can realistically put toward your future in seconds — without the spreadsheets, jargon, or financial shame spiral.

our website just won Site of the Day from Awwwards. that's an award given to one of the world's best websites based on design, creativity, usability, and innovation. we built something that feels less like fintech and more like the future of money. apparently the judges agreed. awwwards.com/sites/cleo-ai

Cleo's new agent router is a custom model we trained on our proprietary data. It runs 16× faster than the LLM-based version it replaces—and it beats GPT-5.4-nano on accuracy against our benchmarks. User messages pass through our encoder-only model, which routes them to the right specialist in Cleo's multi-agent system before Cleo generates a response. Because we built the model in-house, we were able to train it on the kinds of messages users really send to Cleo, something that wouldn't be possible with a general-purpose model. Read the full post to learn about the infrastructure that lets us keep improving the router: web.meetcleo.com/blog/introduci…

Cleo just got a big architectural upgrade. She now uses a team of specialized AI agents, each handling a different part of what a financial assistant has to do:

 - Background agents work around the clock to produce the financial picture Cleo draws on in real-time chats with users.
 - Conversational agents run on lighter models with narrow toolsets. A router picks the right agent for a given task, and specialists hand off when the conversation changes course.

 Why split along those lines? A few reasons: different jobs require different compute, scoped toolsets improve tool-calling accuracy, and decoupled agents can be improved or swapped out without breaking what already works.

 Full writeup here (including a look at what's coming next 👀): web.meetcleo.com/blog/inside-cl…

Big moment for Cleo! Huge congrats to our CEO Barney Hussey-Yeo for winning Entrepreneur of the Year at the City AM Awards. Over the last year, Barney led Cleo through another phase of incredible growth, secured unicorn status, expanded our AI financial assistant to millions more users, and brought Cleo back to the UK with a huge vision for what the future of fintech can look like here. One of the best things about Barney is that he’s never afraid to say what he thinks. Whether he’s championing ambitious founders, pushing for better conditions for UK tech, or challenging outdated systems, he genuinely cares about building bigger and better opportunities for the next generation. Couldn’t be happier to see him get this recognition. So well deserved!

we published our gender pay gap report 17.8% gap clear why it exists clear what we’re doing about it making progress and not slowing down full story: web.meetcleo.com/blog/cleos-gen…

What does “financial freedom” actually look like? Not stock photos. Not perfect, polished utopias. Something real. Something human. In this piece, we go behind the scenes of our first brand photography shoot and how we built a visual world that feels both futuristic and grounded. Warm light, real people, lived-in moments, and just enough friction to make it believable. Because if you’re trying to change people’s relationship with money, the vision has to feel like somewhere they could actually exist. A look at how we brought that to life. Learn more here: web.meetcleo.com/blog/how-we-bu…

What if the problem in your codebase isn’t complexity, but what you’re missing? Sometimes the way we structure our code says more than we think. At first, service objects can feel like the right solution. They’re quick, organized, and easy to reach for. But over time, they can start to hide something deeper: missing abstractions in the system itself. This piece from our team gets into that idea, how what looks like a clean pattern can actually be a signal that your domain model needs to evolve, and what happens when you finally uncover the right abstraction. A really thoughtful read if you’re building and scaling products, or just thinking about how systems should actually work beneath the surface. → Dive in here: web.meetcleo.com/blog/service-o…

Financial Literacy Month is a reminder that money has changed. It’s not just budgeting and saving anymore. Decisions happen daily, quickly, and often automatically. Financial literacy today isn’t about one-time lessons. It’s about ongoing, real-time guidance that helps people make better decisions as they go.

@litocoen Congratulations 👏👏