AI-Powered BankingBAAB™ CERTIFIED

Your money,
on autopilot.

Altifi is the Super Banking App for solopreneurs — powered by a team of AI Agents that manage your finances 24/7 while you focus on building your business.

Join the WaitlistSee how it works

Free to join · FDIC/NCUA insured · No minimums

altifiLive
Total Balance
$14,820.00
↑ +$2,340 this month
AI Agents — Active
Earn Agentoptimizing
Tax Agentsaving 28%
Spend Agenttracking
Banker Agent24/7 ready
AltifiCheckAltifiCreditAltifiSave
BAAB™
BANKING AS A BENEFIT
A Trademark of Align Money Inc.
For Solopreneurs & Their Teams
Alternative Finance · Built for Independent America
BAAB™
BANKING AS A BENEFIT
A Trademark of Align Money Inc.
For Solopreneurs & Their Teams
Alternative Finance · Built for Independent America
BAAB™
BANKING AS A BENEFIT
A Trademark of Align Money Inc.
For Solopreneurs & Their Teams
Alternative Finance · Built for Independent America
BAAB™
BANKING AS A BENEFIT
A Trademark of Align Money Inc.
For Solopreneurs & Their Teams
Alternative Finance · Built for Independent America
BAAB™
BANKING AS A BENEFIT

Altifi introduced BAAB™ - BANKING AS A BENEFIT — the idea that financial tools are not a chore you do at a bank, they are a benefit your work earns you. Just like health insurance and 401(k)s are benefits — your banking should be too.

BAAB™ is a trademark of Align Money Inc.
🧑‍💻
For Solopreneurs
AI Agents handle your entire financial life — banking, credit, taxes, savings — so you never have to think about it.
👥
For Your Employees
Offer BAAB™ as a workplace benefit. Your team gets Altifi accounts, AI financial coaching, and better rates.
🏦
Backed by Credit Unions
Every Altifi account is backed by a local credit union or community bank — FDIC/NCUA insured, mission-aligned.
🤖
AI-First Always
No manual banking. AI Agents monitor, optimize, and act on your behalf — 24/7.
How Altifi Works

Four AI Agents.
Your entire financial life.

Altifi assigns a dedicated team of AI Agents to your account. They run in the background — learning, optimizing, and acting — so you never have to.

Agent 01
📚

Learn Agent

Your personal finance coach. Tracks your income patterns, explains what's happening with your money, and gives you a personalized financial education.

Income pattern analysis & forecasting
Personalized financial literacy lessons
Smart alerts when something needs attention
Credit score coaching & roadmap
Agent 02
💰

Earn Agent

Searches hundreds of credit unions and community banks to find you the best rates and products — automatically.

Best-rate matching across 500+ institutions
Automatic high-yield savings optimization
Business credit line management
Invoice & payment acceleration
Agent 03
🎯

Spend Agent

Keeps every dollar working for you. Tracks expenses, separates personal from business automatically, and sets aside taxes in real time.

Automatic personal vs. business separation
Real-time tax withholding & quarterly estimates
Vendor & subscription management
One-click export to QuickBooks, TurboTax
Agent 04
🏦

Banker Agent

Your personal AI banker — available 24/7. Handles transactions, sends alerts, opens accounts, makes payments, and answers any question about your finances instantly.

Check balances, transfer funds & make payments
Smart alerts for bills, low balances & suspicious activity
Open new accounts & order cards on command
Schedule recurring payments & payment reminders
Change passwords & manage account security
Review any transaction history with natural language
500+
Banking partners nationwide
$0
Monthly fees ever
24/7
AI Agents working for you
60s
To open your account
Everything in One Place

Never open another bank app.

Altifi is the last financial app you'll ever need. Every product, in one place — optimized by AI and backed by real institutions.

🏦
AltifiCheck
Your primary solopreneur business checking account. SSN or EIN, residential address OK. No minimums.
💳
AltifiCredit
Revolving credit line from $2,500–$50,000. Approved by AI cash flow analysis, not FICO scores.
📈
AltifiSave
High-yield savings matched to the best rate in our 500+ partner network. Automatic tax reserve buckets.
⚡
AltifiAdvance
Revenue-based working capital advances from $500–$15,000. Payment scales with your income.
🧾
AltifiFile
Integrated tax and bookkeeping. Quarterly estimates, 1099 tracking, P&L summaries. Export in one click.
🎁
AltifiPerks
Exclusive offers from tools solopreneurs use — software, insurance, legal, health plans — at group rates.
Our Partner Network

Hundreds of banks.
One Altifi account.

Your Earn Agent continuously searches our network of 500+ credit unions and community banks to find the best rates and products available anywhere in the country.

500+
CU & community bank partners
4.85%
Best savings APY in network
9.9%
Lowest credit APR available
$0
Cost to access the whole network
The Altifi Path to Wealth

Learn. Earn. Spend.

Three pillars that work together to build financial stability — while you're busy building your business.

Step One
Learn
Your Learn Agent teaches you what you need to know, exactly when you need it.
→Income & cash flow education
→Credit building roadmap
→Investment basics in plain language
→Tax strategies for solopreneurs
01
Step Two
Earn
Your Earn Agent works 24/7 to make your money earn more. Best rates, best products, best credit.
→Best-rate savings across 500+ banks
→AI-matched credit at lowest APR
→Revenue-based advances when you need them
→Rewards & cashback optimization
02
Step Three
Spend
Your Spend Agent makes sure every dollar spent is tracked, categorized, and working toward your goals.
→Auto business vs. personal separation
→Real-time budget tracking
→Tax savings on autopilot
→Smart alerts before you overspend
03
BAAB™ FOR TEAMS

BAAB™ - BANKING AS A BENEFIT
for your whole team.

When you grow, your team grows with you. Altifi's BAAB™ program lets solopreneurs offer their employees the same AI-powered financial benefits.

🎁
Offer banking as a workplace benefitGive employees access to Altifi accounts, AI financial agents, and the full partner network — at no cost to you.
💸
Faster, cheaper payroll & paymentsPay contractors and employees instantly via AltifiCheck — no ACH delays, no wire fees.
📊
Financial wellness that retains talentTeams with AI financial coaching report higher satisfaction and longer tenure.
🎨
Maya, Graphic Designer
Freelancer → Employee

"My boss set me up on Altifi when I joined. I had $0 in savings and no business credit. Now the AI puts aside my taxes automatically and I have a $5K credit line."

BAAB™ Employee Member
🛠️
Carlos, Independent Contractor
Construction & Trades

"I get paid in cash and checks. Every bank rejected my business account application. Altifi accepted my SSN and residential address. My Earn Agent found a CU that pays 4.7% on savings."

AltifiCheck Member
Ready to start?

Your finances.
Your AI team.
Your future.

Join the waitlist and be among the first solopreneurs to experience AI-powered banking.

Join the Waitlist

Free to join · FDIC/NCUA insured · Cancel anytime · No credit check to open