AI agents for the rest of us.
The most capable AI today serves enterprises and experts. GRADIENTX builds an agent system for everyday life — starting with FinTorch, your personal guide to everyday money.
UBC · Vancouver · British Columbia
Meet FinTorch — our first agent
See your financial future before you make the decision.
If you're a student, new to Canada, or just cashing your first real paycheque, nobody hands you a manual. FinTorch is being built for exactly these moments: the money moments nobody taught you.
Payday, now what?
Rent's covered and there's a bit left over. Ask FinTorch what your options are — savings, debt, a TFSA — and get a plain explanation that fits your actual life, not a lecture.
The end-of-month mystery
Where did it all go? FinTorch will read your spending patterns, sort the noise, and gently flag the habits that quietly drain you. No spreadsheet required.
Tax season, minus the panic
TFSA, RRSP, FHSA — three acronyms, one confused feeling. FinTorch will explain what each account is actually for and walk you through savings choices aligned with CRA rules.
"Should I be investing?"
Try it before you risk it. Practice in a sandbox with a virtual balance and real market prices — make your first investing mistakes for free.
Trust & privacy
Private by design. Honest by default.
A money guide only works if you can trust it completely. These are architecture decisions being made before launch — not patches promised after.
No bank login needed
FinTorch is designed to work without connecting your bank account or handing over personal information.
Your data stays yours
We're building with strong encryption and a fully anonymous mode that keeps processing on your own device.
Answers that show their work
Guidance will be grounded in verified Canadian sources — the CRA, the Bank of Canada — and every recommendation is designed to come with an explanation you can check yourself.
A tutor, not a broker
FinTorch offers educational guidance, not financial advice — the investing sandbox uses simulated balances only, never your real money.
Early enough that you can shape it
FinTorch is being built right now, for real students, newcomers, and first-paycheque professionals. It starts with a short survey: tell us about your money life, and be first in line when early access opens.