Kiro Money is an embedded financial intelligence layer. It reads a user's accounts, transactions, investments, goals, and tax records (with open banking via Plaid), sends each question to a specialized agent, and stays within compliance guardrails. It takes approved actions such as opening an HYSA, booking an advisor meeting, or creating a budget. It launches with the institution's own branding through a one-line embed or API, and banks get a digital-banking integration plus an MCP connector. Data is encrypted with AES-256 and TLS 1.3 and is never sold.