“Can an AI-native financial planning platform deliver institutional-grade, holistic advice to every household at zero cost, then monetize via an attached RIA for users who want human advisors?”
Evergreen.ai was founded by Bill Harris—serial fintech entrepreneur and former CEO of PayPal and Intuit, and founder of Personal Capital—as an AI-driven personal financial planning platform aimed at democratizing sophisticated financial advice. Unlike Personal Capital, which served the affluent via human advisors, Evergreen.ai targets the mass market with a self-service AI layer backed by rules-based financial calculations. The platform deliberately avoids LLM probabilistic outputs for financial math, instead combining AI-natural-language interfaces with deterministic tax and planning engines. Revenue model is nascent: the core app is free through 2028 beta, with human advisory and investment management upsold through the affiliated SEC-registered RIA, Evergreen Wealth Advisors. Lineage: Evergreen Money (2024, high-yield checking on Coastal Community Bank) → Evergreen Wealth (2025, AI-assisted RIA) → Evergreen.ai (2026, free AI financial guidance in public beta, with Plaid for account linking).
Evergreen.ai discloses Coastal Community Bank as its banking provider, according to the Embedded Finance Index 2026.
Evergreen.ai does not disclose a bank charter of its own; its banking services are provided through Coastal Community Bank.
Evergreen.ai moves money over ACH.
Evergreen.ai connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 4 layers in Evergreen.ai's stack: Money movement (ACH); Banking / BaaS (Coastal Community Bank); Open banking (Plaid); Sponsor bank (Coastal Community Bank).
Evergreen.ai was founded by Bill Harris and Bryan Godwin and is headquartered in Raleigh, NC 27606.
Get a read on where your own stack stands against Evergreen.ai and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.