A bank built
by and for people.

AVAI sets aside your tax automatically, grows your savings without you thinking about it, and gives you a voice that actually gets things done.

What's inside

Four parts of income management that usually live in four different apps — or in your head.

Tax Reserve

Never do tax math again

Automatically sets aside 30% of every deposit for self-employment tax, based on IRS guidelines — no manual math, no surprises at filing time.

Tax Reserve screen showing 30% auto-set-aside
SaveUp

Saving that happens on its own

Round-up savings that grow passively — every purchase rounds up toward your goal, so saving happens without thinking about it.

SaveUp screen showing round-up savings progress
EVA

Say it, don't tap through it

Not just a chatbot — tell EVA what you want in plain language ("split $200 with Alex for the trip") and it prepares the action, ready for one-tap approval.

EVA chat interface preparing a payment split for approval
Healthy Cash Flow

Know where you stand — before it's a problem

A clear read on whether you're earning more than you're spending, plus a proactive recommendation from EVA on what to do next.

Healthy Cash Flow screen with income vs spend breakdown
Why we're building this

Money management shouldn't feel like a second job.

Most banking apps show you a number and stop there. They don't warn you before you run short, don't set anything aside for you, and don't do anything unless you tap through five screens first.

We wanted a bank that actually works on your behalf — one that reserves your tax, grows your savings quietly in the background, and lets you get things done by just saying what you need. That's AVAI.

Ashot A.
Ashot A.
Founder
Eric M.
Eric M.
Co-Founder

Back the mission

We're building AVAI independently, ahead of any outside funding round. If what we're building resonates, you can back it now — before everyone else discovers it. No pressure, just an open door for people who want in early.

Join the founding cohort

Get on the list — we'll let you know the moment AVAI opens up.