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

Financial guidance, investing, savings, education, giving, and personalized nudges create ongoing value.

Grow

Turn Signals Into Growth

Pear Intelligence turns engagement signals into deposit retention, product readiness, next-best actions, and growth opportunities.

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.

Selene custom strategy for agentic investing agents running your portfolios

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, view contribution history, and stay connected to the causes they support.

Selene giving experience for discovering causes and making charitable contributions

Pear Intelligence

Turn Account-Holder Behavior Into Growth
See deposit risk, product readiness, and growth opportunities, then know where your teams should act next.

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Discuss Your Integration

What Banking Leaders Say

Why banking leaders see value in embedded investing and AI-powered engagement.

“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. We need to focus on elevating non-affluent individuals.”

VP, Digital | $600B Bank

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

SVP, Digital | $80B Bank

Built for Community FIs

Plans for Credit Unions and Banks

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

Growth

For institutions launching embedded investing and AI-powered financial engagement.

Up to 5K active account holders

Selene: investing, Guidance & More

Pear Intelligence: Account-Holder Signals, Product Readiness, and Growth Opportunities

New Account Activation campaigns

Non-core integration

Built-in SOC 2, security and compliance layer

Account Holder Support

Right-sized pricing for growing institutions

<100k account holders

Scale

For institutions expanding engagement, growth intelligence, integrations, and account-holder adoption.

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

Questions about implementation, compliance, or fit? Talk with our team.

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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 designed to create ROI through stronger deposit retention, increased product adoption, and recurring account-holder engagement. Early product results showed 43% activation, 26% funded accounts, and 15% recurring activity. Pear Intelligence helps institutions measure how engagement translates into retention and growth over time.

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

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

Embedded Investing & AI-Powered Financial Engagement for Banks & Credit Unions

Connected Across the Financial Technology Ecosystem

Turn Digital Engagement Into Funded, Recurring Relationships

Activation

Funded Accounts

Recurring Account Holders