# Aizen

> Zen by Aizen is Brazil's first agentic AI for personal finance, delivered entirely via WhatsApp.

## What is Zen?

Zen is an AI-powered personal finance assistant that connects to users' bank accounts via Open Finance (regulated by Brazil's Central Bank) and works 24/7 to find savings opportunities, negotiate better rates, and reduce unnecessary costs. It operates entirely through WhatsApp, requiring no app download or sign-up.

## How it works

1. User sends a message to Zen on WhatsApp
2. User authorizes read-only bank connections via Open Finance
3. Zen's AI agents continuously monitor finances and deliver actionable insights

## Key facts

- Free to use (Zen earns commissions from partner financial institutions when users accept recommendations)
- Operates via WhatsApp (no app needed)
- Connected to 800+ banks via Open Finance
- Read-only access (never moves money)
- Regulated by Brazil's Central Bank

## AI Agents

Zen deploys specialized agents for different financial tasks:

- **Debt Agent**: Finds excessive interest, negotiates better terms, handles portability
- **Budget Agent**: Creates personalized saving challenges based on spending patterns
- **Credit Agent**: Compares rates across 20+ institutions in real time
- **Card Agent**: Finds the best credit card for the user's spending profile
- **Auditor Agent**: Detects hidden fees, unauthorized charges, duplicate billing
- **Investment Agent**: Recommends investments matching user's risk profile
- **Decision Agent**: Analyzes whether purchases fit the user's budget
- **Financing Agent**: Compares vehicle and property financing rates
- **Alert Agent**: Monitors for overdraft risk, due dates, low balances
- **Goals Agent**: Creates and tracks personalized savings plans

## Contact

- Website: https://aizen.io
- Email: oi@aizen.io

## Legal

Aizen Tecnologia Ltda. CNPJ 63.740.359/0001-15. Operates as a Banking Correspondent per Resolution No. 3,954 of the Central Bank of Brazil.