OpenAI has acquired Hiro, an AI-driven personal finance startup, in a move that suggests the company is integrating financial planning capabilities into ChatGPT, according to sources familiar with the deal. The acquisition, first reported by TechCrunch, aligns with OpenAI’s broader strategy to expand its AI applications beyond language models into specialized verticals.
Hiro, founded in 2024, developed an AI platform that assists users with budgeting, investment tracking, and financial goal-setting. Analysts speculate that OpenAI will integrate Hiro’s technology to enhance ChatGPT’s ability to provide personalized financial advice. “This acquisition fills a critical gap in OpenAI’s product ecosystem,” said one industry analyst, who requested anonymity because the deal has not been officially announced.
While neither OpenAI nor Hiro has publicly confirmed the transaction, sources indicate that the deal closed earlier this month. The financial terms remain undisclosed. If confirmed, this would mark OpenAI’s third known acquisition, following its purchases of robotics firm Retro Robotics and code-generation startup CodexAI in 2025.
The move could position ChatGPT as a competitor to existing financial planning tools like Intuit’s Mint or standalone AI finance apps. However, regulatory scrutiny around AI-driven financial advice may pose challenges. “The key hurdle will be ensuring compliance while maintaining the AI’s responsiveness,” a fintech executive noted.