AlgoPear is an AI-powered embedded investing platform that helps credit unions and banks grow deposits and member engagement through automated investing and financial wellness tools.

How does AlgoPear help credit unions grow deposits?

AlgoPear increases member retention, loan revenue and deposit growth by embedding wealth-building and investing tools directly inside existing digital banking apps—turning engagement into measurable deposits.

Credit unions, community banks, and financial institutions that want to attract younger members, modernize digital banking, and compete with fintechs like Robinhood, Coinbase and Chime.

Selene powered by AlgoPear: The Premier Agentic Banking Platform

How Engagement Turns Into Growth

Launch quickly. Create recurring engagement. Turn account-holder behavior into deposit and product growth.

Connect

Fit Into Your Digital Ecosystem

Add Selene without replacing your core or digital banking experience.

Activate

Drive Early Adoption

Launch with onboarding, campaign support, and experiences built to get account holders taking action.

Engage

Give Them Reasons to Return

AI guidance, investing, savings, rewards, education, and personalized nudges create ongoing value.

Grow

Turn Signals Into Growth

Use engagement signals to improve deposit retention, product adoption, cross-sell, and relationship growth.

See AlgoPear in Action

Self-Directed + Agentic Investing

Fractional stocks, ETFs, and crypto built for everyday investors.

Smart Portfolios

Goal-based portfolios personalized by risk and objectives.

Recurring Investing

Turn saving and investing into repeatable financial habits.

24/7 Personalized Guidance

Contextual answers based on goals and financial behavior.

Financial Education

Bite-sized learning connected to real financial decisions.

Next-Best Actions

Guide account holders toward relevant savings, lending, and wealth actions.

Cause Discovery

Let account holders discover verified nonprofits and causes aligned with what they care about.

Flexible Giving

Support giving from cash, investment gains, or eligible assets through an integrated experience.

Impact Tracking

Help account holders track their giving, taxes, view contribution history, and stay connected to the causes they support.

Learn More

What CU & Bank Leaders Say

Proven engagement that keeps deposits in-house.

“Our average member age is 52. Selene gives us a modern investing + guidance experience that keeps members inside the CU.”

EVP, CSO | $3B CU

“Selene combines coaching + investing in one experience that fits younger members’ needs.”

ECXO | $4B CU

“AlgoPear aligns with our mission: accessible, low-cost investing in a simple digital experience.”

President | $800M CU

“We need it. We can't keep arm wrestling with clients at Goldman Sachs… elevating those who are non affluent individuals”

VP, Digital | $600B Bank

“I certainly see the value of AlgoPear. and how it helps use increase wallet share amongst the younger crowd”

SVP, Digital | $80B Bank

“Selene helped me learn and start investing without feeling overwhelmed.”

Michael Brown | Gen-Z Member

Built for Community FIs

Plans for Credit Unions and Banks

Annual platform fee + usage-based pricing • Live in weeks

Growth

Designed for smaller institutions

Up to 5K active account holders

Selene: investing, Guidance & More

Pear Intelligence: Member Behavior Actions, Crossell

New Accounter Holder Activation campaigns

Non-core integration

Built-in SOC 2, security and compliance layer

Member support

Right-sized pricing for growthing institutions

<100k account holders

Scale

Designed for mid-size & larger institutions

Everything in Growth

Unlimited active account holders

Discounted usage at scale

Advanced Operating Automations

On-site team training

Dedicated CSM + premium support

Cross-functional rollout support

Volume discounts available

>100k account holders

FAQ

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How does AlgoPear integrate with our existing digital banking platform?

AlgoPear is designed as a non-core layer that works with modern digital banking environments. We support API- and partner-based deployment approaches to reduce implementation lift.

Do we need to change our core banking system?

No. AlgoPear is built to launch without replacing your core. The experience is designed to sit alongside your existing digital banking stack.

How long does implementation take?

Most institutions can launch in weeks, with timing depending on platform, scope, and partner readiness.

How does this work with our existing wealth or brokerage relationship?

AlgoPear is designed to complement existing wealth and brokerage strategies, not force a rip-and-replace. We work with institutions to fit the right model for their current setup.

What does the ROI look like?

AlgoPear is built to improve engagement, retain deposits, and increase product adoption. Pear Intelligence helps institutions measure Selene and your products impact over time through behavior, retention, and growth signals automation.

Can we customize features, risk settings, or disable certain products?

Yes. Institutions can configure the experience to match their compliance posture, product strategy, and member needs.

Trusted across the fintech and FI ecosystem

Turn Digital Engagement Into Funded, Recurring Relationships

Activation

Deposit Growth

Recurring Members