Era
San Francisco, US · Founded 2023 · 19 employees on LinkedIn · 4 known investors
Era is building an AI-native personal finance platform that consolidates a user's accounts, balances, transactions, and insights into a single view with automated actions. Built on the Model Context Protocol, it exposes its features as tools that any compatible AI agent can access, aimed at everyday consumers managing their money.
Also known as Era · era.app
Founders & leadership
Era was founded in 2023 by Jasper Lau and Lindsay B.
Investors · 4
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Company profile
researched Aug 2026Era is a financial technology company (not a bank) operating a personal finance platform designed around AI agents. Its product line comprises three parts. Context is a personal MCP (Model Context Protocol) server that links a user's bank accounts, credit cards and other financial data to AI assistants, giving them real-time read-write access to balances, transactions and goals. Agency is a companion native mobile app that adds a push layer on top of Context, monitoring finances in real time, alerting users to notable events and taking actions such as moving money or adjusting rules without an explicit prompt. Thesis, in private beta, is an investing product offering quantitative portfolio analysis, research, backtesting and trading tooling aimed at individual investors; Era describes it as built on Context and SEC-registered.
Context supports MCP-compatible clients including Claude Desktop, Claude Code, ChatGPT, Cursor, VS Code, Windsurf, Augment, JetBrains IDEs and GitHub Copilot, with official integrations advertised for Claude and ChatGPT. Automations available through connected agents or Agency include auto-categorizing transactions, rounding up purchases into savings, flagging spikes in recurring charges and splitting expenses. A shared-memory feature stores user context and preferences in Era rather than in an individual assistant, so information such as savings goals persists when the user switches assistants. Banking services are provided by partner institutions, and Era notes that investment products are not FDIC insured and may lose value.
Business model
Subscription software. Era offers a free tier and paid plans with additional features, and Thesis carries its own pricing for advanced investment tools. The company states it makes money from subscriptions rather than from user data, and that it does not sell, share or monetize personal financial data [0].
Freemium subscriptions across the consumer products, with separate pricing for the Thesis investing product [0].
▸Full profile — market position, technology, go-to-market, geography
Market position
Era describes itself as a personal finance platform built for the age of AI agents, spanning consumer money management infrastructure (Context), a proactive first-party app (Agency) and a retail investing research tool (Thesis) [0].
Era positions Context as agent-agnostic infrastructure: financial data, rules, memory and automations reside with Era rather than inside one assistant, so they carry over if a user switches AI providers. The connection is read-write rather than read-only, allowing agents to execute transfers and set rules with user approval, and Agency converts the pull-based MCP model into proactive, push-based monitoring and action [0].
Technology
Era's core is a personal MCP server that exposes a user's financial data and actions as tools to any MCP-compatible AI client, making the connection read-write so agents can check balances, transfer money between a user's own accounts, set automated rules and manage budgets, subject to explicit user approval for each transfer. Account connections are made through regulated data aggregators covering thousands of institutions, and bank credentials are not stored. Stated security measures include AES-256 encryption at rest, TLS 1.3 in transit and OAuth 2.1 for agent connections, with revocable access. A shared-memory layer persists user goals and preferences in Era rather than in a single assistant, and Agency supplies a push-based monitoring layer over the otherwise pull-based MCP connection [0].
Go-to-market
Self-serve sign-up at era.app using Google or Apple accounts, followed by connecting financial accounts and adding the Context MCP server to a preferred AI assistant. Distribution also runs through AI assistant integrations, with "Add to Claude" and "Add to ChatGPT" official listings. Agency is gated by a waitlist and Thesis by invite request during private beta [0].
Individual consumers who use AI assistants and want them to access and act on their financial accounts, plus individual investors seeking institutional-style portfolio analysis and strategy tooling through Thesis [0].
Geography
Headquartered in San Francisco. Account connections through regulated aggregators cover institutions in the US, the UK, France, Germany, Spain and 40+ countries in total [0].
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 3
launches, deals, and filingsAgency, a native mobile app that proactively monitors and acts on a user's finances on top of Context, is offered via waitlist.
Era offers Context, a personal MCP server connecting bank accounts, credit cards and financial data to MCP-compatible AI assistants, with official "Add to Claude" and "Add to ChatGPT" integrations and free sign-up.
Thesis, an SEC-registered, research-grade investing tool built on Context providing quantitative portfolio analysis and strategy tooling to individuals, is in private beta with invite requests.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 1
primary sources listed
- Eraera.app · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Era do?
- Era is a personal finance platform that connects users' bank accounts to AI assistants via the Model Context Protocol.
- Who founded Era?
- Era was founded by Jasper Lau, Lindsay B in 2023.
- Who are Era's investors?
- Era's investors include Designer Fund, MaC Venture Capital, Moth Fund, Protagonist.
- Where is Era headquartered?
- Era is headquartered in San Francisco, US.