Lovie.co

Lovie. co provides AI-driven banking solutions that empower startups and businesses to streamline financial operations and enhance efficiency. Lovie. co is an agent-native bank founded in 2026 in San Francisco, US, focusing on innovative financial services.

The company raised USD 0. 2 million in pre-seed funding on November 13, 2025, from investor Antler. The founder's prior experience is not mentioned, and no subsidiaries or parent companies are indicated. Lovie.

co operates as an agent-native bank that leverages AI technology to facilitate various financial services for founders and businesses. Its core offerings include AI-powered company formation, which allows users to establish their businesses through a streamlined five-minute chat process. The platform also provides portable KYC/KYB verification, programmable treasury features, and an intelligent expense management system that enforces financial policies via programmable corporate cards. Additionally, Lovie.

co offers automated global payroll processing, real-time transaction monitoring, and AI-managed equity and cap table automation, catering to the needs of startups and small to medium-sized enterprises across North America and Europe. Lovie. co generates revenue through a subscription-based model for its diverse financial services, tailored for businesses seeking advanced banking solutions. Clients utilizing Lovie.

co's payroll processing service subscribe to the platform and pay a fee for each employee processed, ensuring compliance with local regulations and timely payments. The company may also earn revenue through transaction fees linked to its AI-driven services, such as intelligent receivables and collections management, benefiting a diverse client base of startups and established companies. In November 2025, Lovie. co raised USD 0.

2 million in pre-seed funding from Antler, which will be utilized to support the development of new products, including enhanced AI functionalities for financial management. The company is targeting expansion into additional markets in Europe and Asia by 2027, aiming to introduce its services to a broader audience and accommodate growing demand.