Managing money across bank accounts, pensions, savings and investment platforms can leave consumers with a fragmented picture of their overall financial position. London based fintech Quartz is looking to bring those pieces together, raising £2.75 million in pre seed funding as it launches its personal finance platform in the UK.
Backed by Daphni
The funding round was led by Daphni, with participation from Outward VC and K Fund, alongside angel investors including Kantox founder Philippe Gelis and former N26 and Kraken chief product officer Gilles BianRosa.
Founded in 2025 by former Revolut Head of Global Expansion André Silva and former N26 Investment Product Lead Mateus Mesquita Alves, Quartz is building a platform designed to give people a consolidated view of their wealth alongside personalised financial insights.
Quartz says its mission is to make wealth management more accessible by lowering the cost of delivering high quality financial intelligence. The company was founded around the idea that people should have access to the kind of continuous financial visibility and support traditionally associated with personal banking.
Bringing Finances Together
Quartz allows users to connect multiple financial accounts and view them through a single dashboard. The platform is designed to cover bank and savings accounts, ISAs, pensions, investments, crypto, property and other holdings.
The company says users do not need to move their money or open another financial account to use the service. Instead, Quartz sits on top of existing financial relationships and brings relevant information into one place.
Its account connections are supported through regulated Open Banking APIs and other secure connection methods. Quartz is registered with the Financial Conduct Authority as an Account Information Provider under the Payment Services Regulations 2017.
Introducing Charlie
A central part of the platform is Charlie, Quartz’s AI assistant. Charlie analyses a user’s financial information alongside market developments to provide context around their portfolio.
Users can ask questions about their finances and investments, with the system designed to explain factors such as investment performance, fees, asset allocation and market developments affecting holdings.
Quartz says Charlie works from a user’s connected financial information rather than relying only on information manually entered into a chatbot. The company is developing the assistant to provide continuous financial intelligence while keeping the user in control of decisions.
The company currently describes Quartz as an information and intelligence platform rather than a financial adviser. It does not currently execute trades or make investments directly, and says its service does not constitute financial advice.
Building a Personal Wealth Layer
Quartz is targeting the gap between traditional wealth management and standardised financial products. Traditional wealth management can provide personalised attention but often comes with higher costs, while mass market financial applications typically provide limited individual guidance.
The company believes artificial intelligence can reduce the cost of delivering personalised financial insights while allowing the service to scale to a much wider group of consumers.
Its official website describes the platform as a personal banker experience built around a user’s complete financial picture, with market information and portfolio analysis available continuously.
UK Launch
Quartz has been testing its platform ahead of its broader UK launch and is now beginning to onboard users from its waitlist through a staged, invitation based approach.
The company has assembled a 10 person team across London, Barcelona and Porto and plans to build the platform further as it expands its user base.
The latest funding gives Quartz capital to develop its product and pursue its ambition of making personalised financial intelligence more accessible. With the UK launch now underway, the fintech is seeking to establish a new model for how consumers understand and manage their wealth across increasingly fragmented financial systems.
