内容来源：https://techcrunch.com/2026/04/13/openai-has-bought-ai-personal-finance-startup-hiro/

内容总结：

OpenAI收购个人理财初创公司Hiro，加速布局金融AI领域

人工智能巨头OpenAI近日收购了个人理财初创公司Hiro。该公司创始人伊桑·布洛赫于本周一宣布了这一消息，OpenAI随后向科技媒体TechCrunch确认了收购事宜。Hiro此前曾获得知名金融科技风投Ribbit以及General Catalyst和Restive的支持。

本次收购的具体条款未对外披露，Hiro的融资总额也从未公开。由于Hiro宣布将于4月20日停止运营，并于5月13日删除服务器上的所有数据，此次交易被视为一次典型的“收购式招聘”，核心目标在于吸纳人才。

布洛赫表示，Hiro的员工将随他一同加入OpenAI。虽然未透露具体人数，但领英资料显示该公司约有10名员工。

Hiro公司成立于2023年，大约在五个月前推出了其AI工具。该产品主要为消费者提供AI驱动的财务规划服务：用户输入薪资、债务、月度开支等财务信息后，应用能模拟多种假设场景，以辅助其做出财务决策。布洛赫在产品演示中强调，Hiro专门接受了精准财务计算的训练，甚至包含允许用户验证计算准确性的功能。尽管近年来前沿AI模型在各类数学计算上已有显著进步，但金融领域的精准计算一直是难点。

此次收购值得关注的原因有二：其一，创始人布洛赫此前曾创立数字银行Digit，该银行专注于帮助用户自动储蓄，并于2021年以超过2亿美元的价格出售给Oportun。其二，这并非OpenAI首次收购金融类应用。考虑到OpenAI一直将ChatGPT定位为商业财务团队的高效工具，此次收购显露出其在该领域加强人才储备的战略意图。至于OpenAI是否会就此开发更专业的财务规划应用，仍有待观察。

此外，有分析认为，此次收购也可能意在提升OpenAI在“OpenClaw”用户中的吸引力。“OpenClaw”是一个流行的自动化股票交易代理工具，其用户群体通常更偏好竞争对手Anthropic公司的Claude模型。布洛赫本人在领英上透露，他曾创建名为RoboBuffett的自动交易OpenClaw代理。

另据《商业内幕》报道，Hiro是布洛赫创业生涯中的第15个项目。他13岁便开启科技创业之路，前13个项目均告失败。他的第14个项目——2009年推出的社交媒体SaaS工具Flowtown，以450万美元售出。随后，Digit以约2.3亿美元成交。如今，他将最新的创业公司出售给了在增长与融资方面屡破纪录、并可能在未来IPO中再创历史的OpenAI。

中文翻译：

OpenAI创始人伊桑·布洛赫本周一宣布，该公司已收购个人理财初创企业Hiro Finance，OpenAI随后向TechCrunch确认了该消息。这家初创企业曾获得明星金融科技风投机构Ribbit以及General Catalyst和Restive的支持。

收购条款尚未披露，Hiro也从未公开其融资规模。鉴于Hiro宣布将于4月20日停止运营，并于5月13日删除服务器所有数据，此次收购实为人才并购。

布洛赫在发文中表示，Hiro员工将随他一同加入OpenAI。他未具体说明涉及员工人数，但领英显示约有10名关联人员。布洛赫未回应我们的置评请求。

该公司成立于2023年，约五个月前推出其人工智能工具。Hiro为消费者提供人工智能驱动的财务规划服务。用户输入薪资、债务、月度开支等财务信息后，该应用程序通过模拟不同假设场景帮助用户制定财务决策。

在产品演示中布洛赫提到，Hiro专门针对财务计算进行训练，包含可供用户验证计算准确性的功能选项。过去几年间，前沿尖端模型在各类数学计算能力上已取得显著进步，但历史上它们并非如此。

此次交易有两点值得关注。布洛赫此前创立了纯数字银行Digit，帮助用户实现自动储蓄。根据Oportun披露的信息，Digit于2021年以超2亿美元价格出售给该公司。

此外，这并非OpenAI首次收购金融类应用。考虑到OpenAI将ChatGPT定位为商业财务团队的优质工具，我们不难理解为何这家模型开发商会寻求扩充该领域人才。至于OpenAI是否计划将财务规划发展为更专业的应用方向，仍有待观察。

本次人才收购也可能旨在提升OpenAI在OpenClaw用户中的受欢迎度——该群体通常更偏好Claude。OpenClaw是自动化股票交易的热门智能体。布洛赫在领英透露，他本人曾创建名为RoboBuffett的自动交易OpenClaw智能体。

另一趣闻是：布洛赫向《商业内幕》透露，Hiro是其推出的第15个创业项目。他13岁即开启科技创业生涯，前13个项目均告失败。2009年推出的社交媒体SaaS工具Flowtown作为第14个项目，以450万美元售出。布洛赫称Digit的出售价格约为2.3亿美元。如今他将最新创立的公司出售给OpenAI——这家在成长速度与融资规模上屡破纪录的企业，未来或将在首次公开募股中再创奇迹。

英文来源：

OpenAI has acquired personal finance startup Hiro Finance, founder Ethan Bloch announced on Monday and OpenAI confirmed to TechCrunch. The startup was backed by A-list fintech VC firm Ribbit, as well as General Catalyst and Restive.
Terms of the acquisition were not disclosed, nor did Hiro ever disclose how much money it raised. Since Hiro said it will be shutting down its operations on April 20 and deleting all data from its servers on May 13, we’re going to call this an acquihire.
Bloch said in his post that Hiro employees are coming with him to OpenAI. He didn’t specify how many employees that entails, but LinkedIn lists about 10 people associated with the company. Bloch did not respond to our request for comment.
The company was founded in 2023 and launched its AI tool about five months ago. Hiro offered AI-powered financial planning for consumers. Users entered financial information like salary, debts, and monthly costs, and the app modeled different what-if scenarios to help them make financial decisions.
Hiro was specifically trained to nail financial math, including an option that allowed users to verify accuracy, Bloch said in a demo of the product. Over the past couple of years, state-of-the-art frontier models have gotten significantly better (even good) at math of all kinds. But historically, they haven’t been.
This deal stands out for a couple of reasons. Bloch previously founded Digit, a digital-only bank that helped people automatically save money. Digit was sold to Oportun in 2021 for more than $200 million, according to Oportun.
Plus, this isn’t the first financial app OpenAI has bought. Given that OpenAI markets ChatGPT as a good tool for business finance teams, we can see why the model maker would be looking to add more talent to this side of the house. Whether OpenAI plans to pursue financial planning as a more specialized app, we’ll have to wait and see.
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It’s also possible that this acquihire is an effort to make OpenAI more popular with OpenClaw users, who often tend to prefer Claude. OpenClaw is a popular agent for robo stock trading. In fact, Bloch created his own auto-trading OpenClaw agent that he named RoboBuffett, he said on LinkedIn.
Another fun fact: Bloch told Business Insider that Hiro was the 15th project he launched, having started as a tech entrepreneur when he was a 13-year-old. The first 13 failed, he said. He sold No. 14, Flowtown, a social media SaaS tool launched in 2009, for $4.5 million. Bloch said he sold Digit for about $230 million. Now he’s sold his latest startup to OpenAI, a company that has broken records for growth and raising money, and may yet break records with an IPO.