Decade, a Brazilian AI-powered wealth management startup, has emerged from stealth with $85 million in seed funding. The round was backed by Greenoaks, Benchmark, and Diffusion, with the company describing it as the largest seed investment raised by a startup in Latin America.

Founded by former Nubank executives Vitor Olivier and Felipe Meneses, Decade is building a wealth management platform that combines proprietary AI models with human financial advisors. The company is currently available through a waitlist.

Combining AI With Human Financial Advice

Decade aims to bring investment management and financial planning into a single platform. Its technology is designed to track assets, identify inefficiencies in portfolios, and provide investment guidance based on a customer’s broader financial situation.

Each customer is paired with a senior human advisor who can be reached through WhatsApp or video. The advisor is supported by Decade’s AI model, which the company says can retain a customer’s financial context and previous conversations.

The approach is designed to combine the scalability and continuous analysis of AI with human involvement in financial decision-making.

Building AI-Native Wealth Management

Decade’s founders bring experience from Nubank and Hyperplane, the data intelligence company acquired by Nubank in 2024. Vitor Olivier now serves as Decade’s CEO, while Felipe Meneses leads the company’s AI development.

The startup is positioning AI as a way to make sophisticated financial analysis more accessible beyond traditional high-net-worth clients. Its technology is intended to continuously analyse financial information, monitor investments, and reason across a customer’s overall financial position.

Key takeaways for fintech startups

Decade’s launch highlights how AI is changing the approach to wealth management. Key lessons include:

• AI can make continuous financial analysis more scalable.
  
  
• Combining automation with human expertise can strengthen trust in financial services.
  
  
• Personalised financial guidance is becoming more accessible through AI-native platforms.

As AI continues to reshape wealth management, fintech companies need to balance technological innovation with trust, expertise, and customer needs. Contact us to explore how Your Fintech Story can support your fintech strategy and growth.