# Kraken Rebuilds App Around Embedded AI Intelligence

*Author: David Christopher*
*Published: Jul 10, 2026*
*Source: https://www.bankless.com/de/read/news/kraken-rebuilds-app-around-embedded-ai-intelligence*

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Kraken announced it is [rebuilding its mobile app](https://blog.kraken.com/news/new-kraken-app-coming-soon) from the ground up around embedded financial intelligence, joining Coinbase and Robinhood in wiring AI directly into the core trading experience rather than adding it as a bolt-on feature.

## What's the Scoop?
- **The Redesign:** Kraken says the new app will let users define their financial goals, whether a house, retirement, or a cash cushion, and then shape itself around those objectives, working continuously in the background to help users get there: hoping to bridge the gap between what most people want financially and the time or expertise required to manage a portfolio toward it.
- **Not a Bolted-On Assistant:** Kraken explicitly distinguished its approach from the AI-copilot model, saying the intelligence will be "built into the fabric of Kraken itself" rather than layered onto the existing app as a separate chat assistant. Users retain full control over every decision; the app surfaces recommendations and reasoning but waits for user approval before acting.
- **The Trend:** The announcement lands [following Coinbase launching](https://www.bankless.com/read/the-research-you-were-never-going-to-read) Coinbase Advisor (an SEC-registered AI investment advisor) and Coinbase for Agents (which lets outside AI agents execute trades within user-defined limits), as well as Robinhood rolling out its own agent trading tools. Kraken and Gemini had both shipped earlier versions of agent-assisted trading features.
[The Research You Were Never Going to Read on BanklessCoinbase joins an expanding list of fintechs using agents to make their platforms greater than the sum of their parts.![](https://storage.ghost.io/c/e4/b7/e4b77544-5a37-4f0b-8824-8440aa348476/content/images/icon/favicon-32x32-3fe58b9d-b2ce-4aac-8b30-0a600bd68224.png)BanklessDavid Christopher![](https://storage.ghost.io/c/e4/b7/e4b77544-5a37-4f0b-8824-8440aa348476/content/images/thumbnail/the-research-you-were-never-going-to-read-1781643486-b146de6a-2068-4d8a-add3-729fc9a8c84e.png)](https://www.bankless.com/read/the-research-you-were-never-going-to-read)