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Peas Financial
Techstars '24Cave Springs, US · 1 employees on LinkedIn · 2 known investors
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Peas is a mobile banking app that allows couples to manage finances jointly, track spending, split bills, and save together while maintaining individual control over transactions and accounts.
Also known as Peas · Peas Tech · Peas Technology
Founders & leadership
Investors · 2
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Company profile
researched Sep 2026Peas Financial, operating at peas.money and peasfinance.com, offers a mobile financial application designed for couples to manage money jointly while retaining individual control over their own accounts and transactions. The product connects to partners' existing bank accounts rather than requiring users to switch institutions, presenting a "two banks, one app" model that aims to reproduce the functions of a joint account without replacing either partner's primary bank.
Core features described by the company include shared spending tracking, automated bill splitting and payment, paired "couples cards" for joint purchases, shared savings goals, and budgeting tools. Users can choose how much of their financial activity to share with a partner, including hiding specific transactions from view. A conversational AI assistant branded PenelopeAI (also written Penelopea) sits inside a group chat, allowing both partners to ask questions about their joint finances, set savings goals, build budgets, and plan expenses such as vacations.
The product is presented as being in beta, with sign-ups for testing and an app described as forthcoming. A seven-day free trial is advertised, and users are invited to create a shared "pod" with a partner.
Business model
Consumer subscription-style access to a couples-focused financial management app, promoted with a seven-day free trial.
Traction
The product is offered in beta with an app described as coming, and the company solicits sign-ups from prospective testers.
Latest developments
The company is running a beta of its couples financial assistant and promoting an upcoming app release.
▸Full profile — market position, technology, go-to-market
Market position
Rather than requiring couples to open a joint account, Peas connects to each partner's existing bank, combining shared visibility and joint cards with per-transaction privacy controls and an AI assistant aimed specifically at couples.
Technology
A mobile app layered over users' existing bank accounts, with an AI financial assistant, PenelopeAI, available through an in-app group chat for budgeting, savings goals, and financial questions.
Go-to-market
Direct-to-consumer sign-ups through the company websites, with a beta waitlist and free-trial offer; users onboard by inviting a partner to join a shared pod.
Couples who want to manage shared finances while keeping separate bank accounts and individual control over their transactions.
Compiled by commissioned research from 3 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.
▸Research sources · 3
primary sources listed
- Peas Financialpeas.money · web
3 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Peas Financial do?
- Peas Financial is an AI-assisted joint banking app that helps couples track, split, and save money together.
- Who founded Peas Financial?
- Peas Financial was founded by marcio valerio.
- Who are Peas Financial's investors?
- Peas Financial's investors include Gurtin Ventures, Techstars.
- Where is Peas Financial headquartered?
- Peas Financial is headquartered in Cave Springs, US.