Kraken has launched an AI-powered investment assistant that delivers personalized portfolio recommendations and market insights while keeping final trading decisions in users’ hands.
summary
- Kraken has launched an AI-powered investment assistant that provides personalized portfolio recommendations while requiring user approval for every trade.
- The platform builds investment plans using users’ financial goals, risk tolerance, funding preferences, and market data.
- The launch comes as exchanges, including OKX, Coinbase and Revolut, expand AI-powered tools across cryptocurrency trading and payments.
According to Kraken, the new mobile experience replaces the trading-first interface with a goals-based approach that asks users about their financial goals before suggesting investments.
Instead of requiring customers to flip through charts and order books, the platform personalizes recommendations around goals like buying a home, building an emergency fund, or saving for retirement.
The exchange said its “financial intelligence” system continuously tracks market conditions, identifies potential investment opportunities, and recommends trades, but does not execute transactions on its own. Each suggested trade requires user approval before being executed, with Kraken describing the feature as a decision support tool rather than a standalone trading system.
According to CNBC, the assistant also takes into account the user’s risk tolerance, funding preferences, and financial profile to create a suggested portfolio. Users can modify these recommendations before investing, while the app continues to provide portfolio updates and personalized investment ideas based on their current holdings.
Commenting on the launch in an interview with CNBC, Kamo Asatrian, chief data officer at Kraken, said the technology aims to give everyday investors access to market awareness compared to more active traders on the stock exchange by constantly monitoring the markets and highlighting trading opportunities.
“(T)here is an opportunity for everyday people to become high-frequency traders and do it using plain English.”
Artificial intelligence tools have become a new battleground for cryptocurrency exchanges
Kraken’s latest rollout comes as cryptocurrency exchanges increasingly compete by integrating AI assistants into trading platforms rather than restricting users to traditional exchange interfaces.
Earlier in June, OKX Provide a test market Which allows AI agents to complete on-chain tasks, build a blockchain-based reputation, and transact autonomously. During the same month, Coinbase launched a tool that can Empowers artificial intelligence agents To make payments and trade cryptocurrencies on behalf of users through its x402 payment protocol.
In support of this trend, blockchain analytics firm Chainalysis reported last month that proxy payment activity on the Coinbase core network had exceeded 100 million transactions. According to the report, although transaction growth has moderated, the average value of transfers has increased, suggesting that AI-driven payments are expanding beyond low-value experiences into a more meaningful financial activity.
Human approval remains a key component of AI-powered investing
While exchanges add more AI capabilities, they continue to keep users in control of trade execution.
On Friday, fintech company Revolut Revolut X expanded Exchange by allowing customers to connect third-party AI assistants including Claude, Gemini, Cursor, and OpenClaw. According to the company, these assistants can analyze markets, test trading strategies, and provide trading instructions using natural language prompts.
Like Kraken, Revolut requires users to review and approve each order before execution rather than allowing AI systems to trade independently. Across these products, firms position AI as an adjunct to research and portfolio management rather than giving automated agents unfettered power over clients’ funds.
