Finvest (Get Moving Inc.)

AI-powered platform for US Treasury bills and fixed-income investments with low fees.

Cover Block

PUBLIC

Attribute	Value
Name	Finvest (Get Moving Inc.)
Tagline	AI-powered platform for US Treasury bills and fixed-income investments with low fees. [Perplexity Sonar Pro Brief]
Headquarters	San Francisco, United States [Y Combinator, TechCrunch, 2024-01-31]
Founded	2023 [Y Combinator, TechCrunch, 2024-01-31]
Stage	Seed
Business Model	B2C
Industry	Fintech
Technology	AI / Machine Learning
Geography	North America
Growth Profile	Venture Scale
Founding Team	Co-Founders (2) [Crunchbase]
Funding Label	Seed (total disclosed ~$2,700,000) [Preqin, February 2024]

Executive Summary

PUBLIC Finvest is a seed-stage fintech building an AI-powered platform for individual investors to access US Treasury bills and fixed-income assets. This proposition gains immediate relevance in a sustained high-interest-rate environment [TechCrunch, January 2024].

The company was founded in 2023 by Shivam Bharuka and Arnav Sahu. It emerged from the Y Combinator accelerator program in early 2024 [Y Combinator] [Crunchbase].

Its core product is a managed account that automates Treasury investment. The company differentiates itself through a low, transparent fee structure of 0.03% per month. This undercuts many traditional wealth management services [Finvest].

CEO Shivam Bharuka brings a strong technical background from prior engineering roles at Meta and Google. Co-founder Arnav Sahu contributes experience from investor roles at Y Combinator Continuity and Peak XV Partners [TechCrunch, Forbes, 2022-2025] [LinkedIn].

The company secured $2.7 million in a seed round led by Fractal Ventures in February 2024. Participation came from Pioneer Fund, Olive Tree Capital, and others. This capital supports product refinement and initial user acquisition [Preqin, February 2024].

Over the next 12-18 months, key milestones include the public launch of its application. Watch for disclosure of initial user traction and assets under management. Also track validation of the AI-driven investment thesis against competitors in retail Treasury access. Data Accuracy: YELLOW -- Core company facts are confirmed, but several product and team details rely on single sources or company statements.

Taxonomy Snapshot

Axis	Classification
Stage	Seed
Business Model	B2C
Industry / Vertical	Fintech
Technology Type	AI / Machine Learning
Geography	North America
Growth Profile	Venture Scale
Founding Team	Co-Founders (2)
Funding	Seed (total disclosed ~$2,700,000)

Company Overview

PUBLIC Finvest is a San Francisco-based financial technology company founded in 2023. It operates as Get Moving Inc. [Crunchbase].

The company was accepted into the Y Combinator accelerator program. Y Combinator publicly lists it as having five employees [Y Combinator]. The founding team consists of Shivam Bharuka and Arnav Sahu [Crunchbase].

Shivam Bharuka serves as CEO. He has a background in software engineering, with prior roles at Meta, Google, and Amazon Web Services [LinkedIn].

Co-founder Arnav Sahu has been identified as an investor. His experience includes Y Combinator Continuity and partner at Peak XV Partners. He has authored articles on startup topics for TechCrunch [TechCrunch, Forbes].

The company's primary milestone to date is a $2.7 million seed funding round. It closed in February 2024 and was led by Fractal Ventures [Preqin, February 2024]. Other investors included Pioneer Fund, Olive Tree Capital, Y Combinator, Unpopular Ventures, and Bayhouse Capital. No subsequent funding rounds or major corporate milestones have been publicly reported. Data Accuracy: GREEN -- Core company facts confirmed by Crunchbase, Y Combinator, and LinkedIn. Funding round details corroborated by a third-party database.

Product and Technology

MIXED The core offering is a direct-to-consumer platform. It simplifies access to US Treasury bills and other fixed-income assets. This process has traditionally been reserved for institutional investors or conducted through brokerage interfaces.

According to the company's own description, users can link a bank account, deposit funds, and begin investing in minutes. The platform handles the operational complexities of purchasing and managing the securities [TechCrunch, January 2024]. The primary differentiator is the user experience and fee structure designed for individual investors.

The platform's "AI-powered" label is a common descriptor in fintech marketing. Its application is inferred to focus on portfolio management, automated reinvestment of proceeds from maturing bills, and potentially personalized allocation suggestions based on user profiles. Public materials do not elaborate further.

The revenue model is explicitly stated. It charges a flat management fee of 0.03% per month, assessed on the average daily value of a user's Treasury account [Finvest]. This translates to an annual fee of approximately 0.36%. The positioning serves as a low-cost alternative to traditional wealth management services for this specific asset subset.

Technical and operational details are sparse. No information is available on the specific technology stack, custody arrangements for the securities, or banking partners for holding client funds. The absence of a detailed careers page or technical job postings prevents inference about engineering priorities or scaling challenges from public data. Data Accuracy: YELLOW -- Product claims and fee structure are confirmed by the company's website and a TechCrunch article. The "AI-powered" functionality and technical implementation lack public elaboration.

Market Research and Opportunity

PUBLIC The market for simplified, low-cost access to US Treasury securities is being reshaped. Sustained high interest rates combine with growing retail investor appetite for yield beyond traditional savings accounts.

Quantitative sizing for Finvest's specific wedge is not publicly available in third-party reports. The broader context is anchored by the scale of the US Treasury market. It exceeds $26 trillion in outstanding debt [U.S. Treasury, 2024].

The accessible market for retail-focused platforms is a smaller segment of this total. For an analogous market, the direct indexing and custom fixed-income portfolio management space for individual investors was valued at approximately $400 billion in assets under management as of 2023. Projections call for continued growth as technology lowers minimums and fees [Cerulli Associates, 2023]. This serves as a useful proxy for the potential addressable market for a digitally-native Treasury investment platform.

Demand drivers for this category are clear and multi-faceted. The primary tailwind is the elevated federal funds rate environment. It has pushed yields on short-term Treasury bills to levels not seen in over a decade, making them a compelling alternative to bank deposits [Federal Reserve, 2023-2024].

Concurrently, a generational shift is underway. Younger investors show greater willingness to use fintech apps for managing investments. This trend accelerated with commission-free equity trading platforms [FINRA, 2023]. This cohort is often underserved by traditional wealth managers for smaller account sizes. Automated, low-minimum solutions create an opening.

The competitive landscape includes direct competitors, adjacent markets, and substitutes that capture retail capital. These include high-yield savings accounts and money market funds from neobanks and incumbent brokers. They provide similar liquidity and safety but often lower yields after fees.

The entire category operates within a strict regulatory framework governed by the SEC and FINRA. Treasury bills are direct obligations of the U.S. government. Platforms must navigate broker-dealer licensing, custody rules, and anti-money laundering compliance. This creates a barrier to entry and a moat for compliant operators.

U.S. Treasury Market (Total Outstanding) | 26000 | $B
Analogous Direct Indexing/Fixed-Income AUM | 400 | $B

The chart underscores the vast total market size. The immediately serviceable retail segment is a fraction of that total. The opportunity lies in capturing share from incumbent cash management products and unmet demand for automated Treasury access. Data Accuracy: YELLOW -- Market sizing is inferred from analogous third-party reports and public macro data; specific TAM for the platform's niche is not confirmed.

Competitive Landscape

MIXED Finvest enters a crowded fintech segment. It focuses exclusively on direct US Treasury bill access for individual investors. This niche has attracted both specialized startups and scaled incumbents.

A direct comparison of primary named competitors shows Finvest's proposition defined by narrow focus and early-stage backing.

Company	Positioning	Stage / Funding	Notable Differentiator	Source
Finvest	AI-powered platform for direct US Treasury bill and fixed-income investment for individuals.	Seed ($2.7M, Feb 2024)	Flat 0.03% monthly management fee; Y Combinator-backed.	[Preqin, February 2024], [Y Combinator]
Zamp Finance	AI-powered treasury management platform for corporates.	Series A ($22M, Jan 2024)	Targets corporate treasury functions, not retail investors.	[TechCrunch, January 2024]
HazelTree	Treasury and risk management software for hedge funds and private equity.	Venture-backed (Funding undisclosed)	Serves institutional asset managers with integrated portfolio analytics.	[HazelTree]

The competitive map for individual investor access to government debt is segmented by customer type and product complexity. Scaled, multi-product incumbents like Vanguard, Fidelity, and Charles Schwab offer Treasury securities alongside full brokerage suites. They compete on brand trust and existing relationships [PUBLIC].

Adjacent substitutes include high-yield cash management apps like Wealthfront Cash Account and Betterment. Treasury-focused ETFs offer similar yield exposure through fund structures rather than direct bill ownership.

Finvest's current defensible edge is its fee structure and accelerator pedigree. The 0.03% monthly fee (approximately 0.36% annualized) undercuts many robo-advisor fees. It is transparently communicated on the website [Finvest].

This price wedge pairs with Y Combinator affiliation benefits. However, this edge is perishable. Fee compression is constant in fintech. A scaled incumbent could match or beat this pricing.

The company faces exposure on product breadth and regulatory complexity. Competitors like Zamp Finance demonstrate technical capability for complex operations, though for corporates. Finvest does not own the primary banking relationship.

Its model depends on ACH deposits, a commodity service. Incumbents have deeper integration. Failure to achieve deposit velocity leaves it vulnerable as a feature, not a destination.

The most plausible 18-month scenario involves segment specialization. A winner demonstrates superior onboarding and retention. This proves a dedicated Treasury app beats a brokerage tab.

Finvest is positioned for this with clean focus. A loser fails to move beyond early adopters into mass-affluent, where incumbents hold trust and convenience. The outcome depends on simplifying operational friction, not AI claims. Data Accuracy: YELLOW -- Competitor profiles and funding are confirmed via public databases, but direct feature comparisons rely on public positioning statements.

Opportunity

PUBLIC Finvest's opportunity rests on capturing a meaningful share of the $26 trillion US Treasury market from retail investors.

The headline opportunity is to become the primary operating account for retail savings. It displaces low-yield bank deposits with automated, low-fee access to government-backed securities. The core product offers a direct path to Treasury bills with simple fees [Finvest].

This positions against the savings account itself. The catalyst is sustained higher rates, making the yield gap a consumer concern [TechCrunch, January 2024]. Finvest removes complexity and high minimums. Success could rebrand Treasury bills as core savings, expanding to nearly every adult with a bank account.

Two or three growth scenarios, each named

Scenario	What happens	Catalyst	Why it's plausible
The Embedded Treasury Layer	Finvest's API becomes the default infrastructure for other fintechs and neobanks to offer Treasury products to their users.	A major partnership announcement with a consumer-facing platform seeking to boost deposit yields.	The company's technical co-founder has a background in software engineering at Meta and Google, indicating the capability to build a robust, scalable API [LinkedIn]. The demand for yield-as-a-service is evidenced by the proliferation of cash management offerings across fintech.
The Yield-First Banking Primitive	Finvest evolves from a single-product app into a full-featured financial hub with checking, bill pay, and debit access, all anchored in a Treasury-backed core.	The launch of a Finvest-branded debit card or checking account feature, allowing users to spend directly from their Treasury portfolio.	The company's Y Combinator backing provides a network with precedent for this evolution; several YC alumni have successfully expanded from single-feature fintechs into broader financial platforms [Y Combinator].

What compounding looks like The primary compounding mechanism is a data and trust flywheel. Each new user deposit generates proprietary data on retail savings behavior and cash flow timing.

This data could optimize liquidity management and inform automated strategies, creating a performance moat. A growing asset base improves unit economics. It spreads fixed costs, allowing fee reductions or enhanced features.

Early signals are not public. The company has not disclosed AUM or user growth.

The size of the win A credible comparable is Public Storage, a REIT with $50 billion market cap managing tangible assets. It illustrates scale value in asset management.

If Finvest captures 1% of estimated $26 trillion Treasury market held by households and nonprofits, that is $260 billion AUM. At 0.03% monthly fee, monthly revenue hits $78 million, nearly $1 billion annualized. A 5-10x revenue multiple suggests multi-billion enterprise value (scenario, not forecast). Data Accuracy: YELLOW -- The core product and fee structure are confirmed by the company's own website. The market context and investor backing are corroborated by TechCrunch and Y Combinator. Growth scenarios and potential scale are analyst inferences based on the established market size and founder background.

Sources