Tagline: Your private banker, in your pocket, every morning at 6:00.
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AURUM launches the world's first AI Private Banker for the 99%.
Cupertino, CA — Today AURUM ships, the daily wealth ritual that turns ambition into compounding action. Every morning at 6:00 AM, AURUM delivers a hand-crafted Wealth Brief: one financial move, one rich-mind insight, and one peer-tier simulation showing exactly what someone one income bracket above you did with their money yesterday.
It feels like a private banker is writing to you personally. Because it is — just one trained on you.
> "I opened it for the first time and it told me three things about my money I didn't know I was thinking. By day seven I had a Wealth Score of 412 and I'd made my first $2,000 decision in years." — Beta user, NYC
AURUM is $9/month. The first 30 days are free. Your first Brief is waiting.
Q: Why does this exist?
Spreadsheets are dead. Robo-advisors are boring. Personal finance apps make you feel poor. AURUM makes you feel like you're already rich — then teaches you to act like it.
Q: What does the user actually get every day?
A 60-second pre-rendered "Wealth Brief" with four panels:
1. The Move — one specific financial decision with reasoning ("Move $400 from checking to a 5.2% T-bill ladder. Here's why this beats your HYSA by $114/yr.")
2. Rich-Mind — a 3-sentence wealth psychology insight curated to their current Wealth Score tier
3. Peer Tier — what someone in the income bracket above them did yesterday (anonymized composite, e.g. "$280K earners moved 4.2% into private credit this week")
4. Compound Future — a live-animated chart showing where today's Move puts them in 10/20/30 yrs
Q: How is this not just another budgeting app?
We don't show you what you spent. We show you who you're becoming. Every action levels up your Wealth Score (a shareable, screenshot-bait number). Every share = identity signaling. The product is the flex.
Q: What's the moat?
Pre-rendered, hyper-personal, daily. Cron generates the brief overnight using Claude Sonnet 4.6 against the user's profile + market feeds. By the time they open it, the work is done — it loads instantly and feels custom because it is.
Q: Why will it spread?
Wealth Score share cards. Every move bumps your number; every milestone (250, 500, 1K) auto-generates a magazine-cover-style share image with the user's name in serif gold-foil type. People will post these the way they post Strava PRs. Status is the viral mechanic.
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| Stage | Moment | Emotion | Hook |
|---|---|---|---|
| Discovery | Friend posts "Wealth Score: 847" share card on IG story | Envy + curiosity | "What is that? I want a number." |
| First open | Cinematic gold-on-black load. "Good morning, Harnoor." Single Move card. | Awe ("this feels like a Bloomberg ad") | Tap reveals reasoning |
| 30-second hook | Compound Future chart animates from $4,200 today → $1.8M at 65 | Ambition + agency | "Make today's move" CTA |
| Day 1 close | Wealth Score: 12 → 47. Streak: 1. Tomorrow's brief unlocks at 6 AM. | Anticipation | Push notif scheduled |
| Day 7 | First milestone share card auto-renders ("AURUM 250") | Pride | One-tap share to IG/X |
| Day 14 | Paywall hits: free tier shows Move only; Rich-Mind + Peer Tier locked | FOMO | $9/mo unlock |
| Day 30 | Personalized "Year One Forecast" video drops | Identity attachment | Refers 2 friends to keep streak |
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LTV target: $108 (Y1) at 7% monthly churn = $128 LTV. CAC ceiling: $42.
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1. Wealth Score = the shareable number. Strava-for-money. Every share = a recruiting poster.
2. Milestone share cards — magazine-cover composition: serif headline ("HARNOOR · AURUM 500"), gold foil number, black background, signature line. Indistinguishable from a Vanity Fair feature.
3. Peer Tier flex — "I'm now simulating against $500K earners" is a status drop people will screenshot.
4. Streak loss aversion — break a 30-day streak and lose your tier color (platinum → silver). Public on profile.
5. Referral mechanic — refer 2 friends, unlock the tier above your income bracket for one week. Tasting the next floor up = the hook.
Viral coefficient target: K = 0.4 (each user invites 1.2 friends, 33% activate).
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Cron 06:00 UTC daily, per active user:
INPUT: user_profile.json (income tier, risk profile, last 7 moves, current score)
+ market_snapshot.json (rates, indices, news headlines)
OUTPUT: brief_{user_id}_{date}.json
- move: {action, amount, reasoning_md, expected_delta_10y}
- rich_mind: {headline, body_3_sentences}
- peer_tier: {bracket, anonymized_composite_action, percentile}
- compound_chart: {points_10y, points_20y, points_30y}
- share_card_seed: deterministic image params for milestone cards
Stored at s3://innerverse-voice-scratch/aurum/briefs/{date}/{user_id}.json. App loads single JSON on open — feels instant because it IS instant.
LLM: Bedrock Claude Sonnet 4.6 (~3¢/1k briefs). Image gen only on milestone hits (gpt-image-1, ~$0.04/card).
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#0a0907 (near-black with warm undertone, NOT pure black)#d4af37 (true gold) → #b8860b (deeper) gradient