OpenAI acquired Roi, an AI powered investing app, in an acqui hire to add personalized financial solutions to ChatGPT. Roi will shut down on Oct 15, 2025 and user data will be deleted. The move accelerates ChatGPT for fintech capabilities while raising privacy and compliance questions.
OpenAI has acquired Roi, a small startup that built an adaptive chatbot for personalized investing, signaling a clear push into personalization for financial services inside ChatGPT. The deal was announced on October 5, 2025 and Roi plans to shut its app on Oct 15, 2025. Roi's CEO and the startup team will join OpenAI as part of an acqui hire.
Roi offered a conversational assistant that delivered tailored financial advice and smart portfolio management across multiple asset classes, including stocks, cryptocurrencies, NFTs, and real estate. Its focus on individualized investment recommendations and real time financial insights aligns with growing demand for AI driven personalized financial solutions. For OpenAI, bringing this expertise in house can speed up development of ChatGPT for fintech use cases such as personalized retirement planning, proactive financial guidance, and automated investing tools.
1. Faster rollout of compliant fintech features. By acquiring a team experienced in building AI financial advisor capabilities, OpenAI may accelerate delivery of secure AI powered financial assistant features inside chat. That can include scenario modeling, smart portfolio management, and automated rebalancing suggestions.
2. Privacy first choices and data handling. Roi's announced plan to delete user data is privacy protective, but it also limits legacy behavioral data that could be used to personalize services unless users opt in to new terms. Transparent data practices and privacy first design will be essential to build consumer trust.
3. Regulatory compliance and explainable AI. Financial advice is subject to licensing and consumer protection rules. OpenAI will need robust regulatory compliance processes, explainable AI features that show why recommendations were made, and likely human oversight for higher risk scenarios to reduce regulatory exposure.
4. Consolidation of services. The rapid shutdown of the standalone app suggests OpenAI intends to fold the capabilities into its ecosystem rather than keep a separate product. That reduces market fragmentation but also removes an independent alternative.
5. A wider trend in AI and fintech. This move is consistent with large AI providers acquiring niche teams to accelerate vertical expertise. Expect more integration of personalized financial solutions, trust signals for AI powered finance, and RegTech automation across major platforms.
OpenAI's acquisition of Roi is about importing fintech talent and tested models to make ChatGPT a more capable platform for personalized investing and financial advice. The outcome could be richer AI driven financial services for consumers, but adoption will hinge on privacy first policies, strong regulatory compliance, and explainable AI that helps users trust and act on automated recommendations.
