Cleo

Money talks. Cleo talks back.

[Cleo @meetcleo]

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: https://t.co/RlYaB4ye3e, and join the UK waitlist below.

So yeah, it’s already been a huge year—and we’re just getting started.

[Cleo @meetcleo]

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:

https://t.co/MwQpBJgsHn

[Cleo @meetcleo]

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.

[Cleo @meetcleo]

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.
https://t.co/wHjqmZoY1q

[Cleo @meetcleo]

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: https://t.co/lNc2Pikivy

[Cleo @meetcleo]

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 👀): https://t.co/cZqA9waQQK

[Cleo @meetcleo]

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!

[Cleo @meetcleo]

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:
https://t.co/vQzogQQP6N

[Cleo @meetcleo]

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: https://t.co/3hHDBs5Uus

[Cleo @meetcleo]

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: https://t.co/IPuKN2NEm8

[Cleo @meetcleo]

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.

[Cleo @meetcleo]

@litocoen Congratulations 👏👏

[Cleo @meetcleo]

@nikitabier Dedication

[Cleo @meetcleo]

What’s your first money move on payday?

[Cleo @meetcleo]

@YahooSports @SheKnowsSports 👀👀👀

[Cleo @meetcleo]

@espn This is heartwarming 👏👏

[Cleo @meetcleo]

April is Stress Awareness Month, and for many people, one of the biggest sources of stress is money.

Not always because of a single big expense, but because of the uncertainty around everyday finances.
When bills are due.
Where spending is going.
Whether there’s enough left for the rest of the month.

Financial stress often builds in those small moments of not knowing.

Over the past decade, we’ve seen more conversation around financial wellness, and an important part of that conversation is visibility. When people have a clearer understanding of what’s happening with their money, everyday decisions tend to feel a lot less overwhelming.

During Stress Awareness Month, it’s a good reminder that financial health isn’t just about numbers. It’s also about reducing the mental load that uncertainty around money can create.

Sometimes a little more clarity can make money feel a lot less stressful.

[Cleo @meetcleo]

We’re in @NerdWallet
People don’t just want more financial advice
They want less effort managing their money
That’s exactly what we’re building
And why AI is finally making a real difference
Full breakdown:
https://t.co/nwxZ8MwkDb

[Cleo @meetcleo]

Most people don’t need better financial advice. They need better financial timing.

In a recent piece by Robinson Torres, Personal Finance Lead at Cleo, the idea of “spring cleaning” your money goes beyond cutting obvious expenses and looks at the things that quietly build up, like subscriptions you forgot about, tiny upgrades that become your new normal, and the mental load of trying to stay on top of everything.

But the real issue isn’t awareness, it’s effort.

No one wakes up excited to audit their transactions or cancel a $6 charge they forgot existed three months ago, and relying on “I’ll just be more disciplined” isn’t a system, it’s a phase.

That’s why money management is shifting. It’s becoming less about manual tracking and more about automation, less about reacting after the fact and more about catching things before they happen.

The goal isn’t to think about your money more. It’s to need to think about it less, because the right things are already happening in the background.

Learn more here:  https://t.co/dUfBUTV0RF

[Cleo @meetcleo]

Cleo has been ranked No. 16 in the Applied AI category on @FastCompany 's prestigious annual list.

This recognition is a testament to our team’s dedication to pushing the boundaries of AI to create meaningful, real-world solutions for our customers. In a year where AI has redefined every industry, being recognized for how we apply this technology to improve financial health is an incredible honor.

A huge thank you to our team, our partners, and the Fast Company editors for this recognition.

Check out the full list here: https://t.co/bwvpkf2HRq

[Cleo @meetcleo]

AI is quickly moving beyond “chatbots” and into something much more useful: agents that actually do things for you. Instead of just answering questions or surfacing insights, these systems are starting to take action in real time—and that shift is happening fast.

Mashable recently highlighted Cleo as an example of where this is all heading in 2026. While a lot of tools are still stuck in passive analysis—telling you what you spent or what you should do—Cleo has moved into active intervention.

With Autopilot, it’s not just about awareness, it’s about execution. If your income shifts, your plan adjusts. If there’s money to protect, it moves automatically. If you’re at risk of overdraft fees, Cleo can step in before they hit. It’s all happening in the background, without needing constant prompts or manual effort.

That’s really the bigger shift here: moving from advice to action. We’re starting to see what a true financial assistant can look like—not something you check in on, but something that actively works for you.

If you’re curious where AI agents are headed next, this is a great breakdown:
https://t.co/vYophIZdmr