Crypto exchange Kraken is adding AI-powered financial instruments to its mobile app as exchanges increasingly compete to offer personalized investment tools beyond core trading features.
According to the company’s announcement, users will start by setting financial goals and preferences, allowing the app to tailor its interface and recommendations to those goals, rather than requiring customers to navigate complex trading tools. The company said the redesigned platform will help users achieve goals such as buying a home, saving for retirement or building an emergency fund.
Kraken said its “financial intelligence” constantly monitors markets, identifies investment opportunities and recommends trades, but does not execute transactions autonomously. Each recommendation requires user approval before a trade, with the company positioning the technology as a decision support tool rather than an automated trading system.
According to CNBC, the app then uses this information, along with the user’s risk tolerance, financing preferences and financial profile, to create a suggested portfolio for the user to review and adjust before investing. Once invested, it provides personalized portfolio updates and investment suggestions tailored to each user’s assets.
Speaking to CNBC, Kraken Chief Data Officer Kamo Asatrian said the technology is designed to give ordinary investors the same market awareness as the exchange’s most active traders by constantly monitoring markets, identifying opportunities and recommending trades.
“There is an opportunity for ordinary people to become high-frequency traders and do it in plain English,” he said.
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AI agents are distributed on crypto platforms
Crypto exchanges and fintech companies are increasingly building artificial intelligence into their trading platforms, allowing users to analyze markets, manage portfolios and place trades through a conversational interface.
In June, OKX launched a beta marketplace where AI agents can transact autonomously, perform on-chain tasks, and build blockchain-based reputation. That same month, Coinbase introduced a tool that allows AI agents make payments and trade cryptocurrencies on behalf of users using the x402 payment protocol.
Adoption is also accelerating. Last month, Chainalysis reported that the payment activity of agents on the Coinbase Base network was surpassed 100 million transactions. The report shows that while transaction growth has stabilized, higher value transfers have become more common, suggesting that AI-driven payments are moving beyond micropayments and early experiments.
Source: Coinbase
On Friday, fintech firm Revolut launched an update to its Revolut X exchange, allowing customers to connect AI assistants including Claude, Gemini, Cursor and OpenClaw to analyze markets, test trading strategies and place orders through natural language prompts. Like the Kraken platform, users must review and approve each trade before execution.
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