Meet Rafael
Meet Nils
9:41
Private banking
RM
Your relationship managerOne person who knows your goals, your family and your portfolio.
Calls when markets moveBefore you have to ask✓
Remembers every decisionAnd why you made it✓
Prepares your tax papersReady when you need them✓
Available toClients with significant assetsFew
Built by
‹
Your AI
What do I own, all in?
I don't have access to your bank, broker or wallet accounts. If you paste your statements, I can try to add them up.
Any AI today
€126,140
Trade Republic€52,640
Deutsche Bank€24,600
Income€4,750 / month
Kraken€9,800
Arbitrum wallet€5,600
Gold deposit€12,000
TokenForge€21,500
‹
KOBO ›
Mon 9:10
Connect my accounts.
Done. Connected:
Arbitrum wallet ✅
Deutsche Bank ✅
Finanzguru ✅
Arbitrum wallet ✅
Deutsche Bank ✅
Finanzguru ✅
Read 412 transactions 📄
Saved to memory 🧠
Saved to memory 🧠
How was my week?
Income +€4,750 💰
Spendings −€1,320 🛒
Left over +€3,430 🎉
Spendings −€1,320 🛒
Left over +€3,430 🎉
Tue 18:38
What do I own?
Your wealth: €126,140 💎
Stocks €52,640 📈
Cash €24,600 💶
Tokenized €21,500 🏢
Crypto €15,400 🪙
Gold €12,000 🥇
Stocks €52,640 📈
Cash €24,600 💶
Tokenized €21,500 🏢
Crypto €15,400 🪙
Gold €12,000 🥇
Thu 11:05
How much can I borrow?
You can borrow up to €55,000 🏦
Fri 16:20
Good news! Your invoice got paid 🧾
+1,000 USDC in your Arbitrum wallet 💵
Logged in your brain 🧠
+1,000 USDC in your Arbitrum wallet 💵
Logged in your brain 🧠
+Text Message
mobile
KOBO
Tap to follow the call
Hi! ARB fell 15% last night.
Is that bad?
You set a rule: if ARB falls 15%, buy €500 more.
Buy now?
Yes, do it.
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Choose your plan
Free
€0
Tracking and your wealth overview, in your AI.
Sole traders and freelancers
€9 / user / month
Plus tax exports, connections, call and WhatsApp assistant.
Companies, family offices, funds
€19 / seat / month
Everything, with shared seats.
Agent log
> x402 endpoints on testnet… live since May 2026
> Arbitrum x402 · USDC settlement… integrating
> x402 Agentic Commerce Hackathon… 1st place
> Agent skills on Hermes… live
> Qonto via MCP… tested
> Stripe… integrated
> TokenForge connector… in testing
> Go-live… December 2026
What KOBO does
Knows and explainsPre-seed, now
RecommendsSeed, with licence
Acts for youSeries A: wallets, credit lines
Claude
ChatGPT
Copilot68%
of under-30s welcome AI in finance 🇩🇪
Bitkom Research 2026
Revenue plan
€9 individuals€19 companies, funds
ARR planEU US
$0.1M
Dec 26300 users$31M
2027258k users$74M
2028625k users$265M
20292.2M usersKOBO plan, launch December 2026
Rafael Schultz
18 years of experience
Nils Engeln
9 years of experience
Integrations
ClaudeNextOpenAINextCopilotNextstripeStripeLiveDATEVTBDMay 2026x402 endpoints live on testnet
Jun 20261st place, x402 Agentic Commerce Hackathon
Summer 2026Stripe integrated
Aug 2026Live demo, Claude Community Berlin
Sep 2026Agent skills on Hermes · Qonto MCP
Oct 2026Arbitrum x402 + USDC in integration · TokenForge in testing
Dec 2026Go-live
2027Plugins for Claude, ChatGPT, Copilot · banks via API
We seek
€100K
Arbitrum integration grant