Pre-Seed · US$2.5M · New York
The Financial
Operating System
Imagine your complete financial life before making it real. Sagolik lets individuals, enterprises and financial institutions design, simulate and execute financial decisions from one intelligent platform.
Sagolik Holdings, Inc. · Delaware C Corporation · One World Trade Center, New York
The Problem
Financial software hasn’t fundamentally changed in decades.
Today’s financial world is fragmented. Every product lives in its own silo, with its own login, its own data model and its own idea of who you are.
- 01Banking lives in one app.
- 02Investments in another.
- 03Insurance somewhere else.
- 04Mortgages somewhere else.
- 05Taxes somewhere else.
- 06AI knows nothing about your financial life.
Sagolik changes this. Instead of managing products, you manage your financial universe.
The Sandbox
Nothing is real. Everything is simulated.
Every account, every mortgage, every investment, every property, every liability and every company exists first inside a sandbox — a complete, private model of your financial world.
Scenario · Untitled draft
Reality Engine
From Simulation to Reality
Once connected, fiction becomes reality. One click executes verified, permissioned actions across every institution you use.
Simulate freely. Execute deliberately.
Every executed action carries a verified audit trail, an approving human and a reproducible simulation that preceded it.
Architecture
One system. Every part of financial life.
Sagolik OS sits above institutions, products and data providers — a single coherent model of everything you own, owe, earn and decide.
Sagolik OS
Simulation, doctrine, agents and execution — running on one shared financial graph.
Doctrine Engine
Your financial philosophy.
Executable.
Most AI answers questions. Sagolik follows principles. You choose a doctrine, and every simulation, recommendation and executed action is bound by it.
AI Agents
A specialized workforce for your financial world.
Each agent carries measurable performance, a reputation score, a defined specialization and a complete decision history.
Chief Agent
Orchestrates every other agent and enforces doctrine.
Investment Agent
Portfolio construction, rebalancing and private markets.
Mortgage Agent
Refinancing, amortization strategy and lender matching.
Insurance Agent
Coverage gaps, claims readiness and policy optimization.
Tax Agent
Year-round tax positioning, loss harvesting and filings.
Family Office Agent
Multi-entity, multi-generation structuring and reporting.
Business Agent
Treasury, payroll, cap table and corporate finance.
Marketplace
The Financial Intelligence Marketplace
Financial knowledge becomes software. Institutions distribute their expertise as installable, auditable agents — and earn on every deployment.
Enterprise
The intelligence layer above every institution.
Sagolik isn’t another banking app. It is the layer institutions build on — deployed inside banks, funds, advisors and governments through enterprise APIs.
Technology
Built like financial infrastructure, not like an app.
AI Native
Models, agents and reasoning are core primitives, not a bolted-on assistant.
Open Banking
Regulated account, payment and data connectivity across the US and Europe.
Real-time Simulation
A deterministic engine that recomputes an entire financial universe in milliseconds.
Blockchain Ready
Tokenized assets, custody and on-chain settlement modeled as first-class objects.
Enterprise APIs
Versioned, documented APIs and SDKs for institutional deployment.
Audit Trail
Every simulation, approval and execution is immutably recorded and replayable.
Role Based Permissions
Granular entitlements across households, entities, teams and institutions.
SOC 2 Ready
Controls, monitoring and evidence collection designed for audit from day one.
Cloud Native
Elastic, multi-region infrastructure with isolation boundaries per tenant.
Security
Trust is the product.
Sagolik is designed for institutions that cannot afford ambiguity. Every action is explainable, reversible in simulation and approved by a human.
Military-grade encryption
AES-256 at rest, TLS 1.3 in transit, key isolation per tenant.
Zero Trust
Every request authenticated, authorized and continuously verified.
Passkeys
Phishing-resistant, device-bound credentials as the default sign-in.
Multi-factor authentication
Step-up verification required for any real-world execution.
Complete audit logs
Immutable, exportable records for regulators, auditors and boards.
Human approval
Nothing executes automatically. A person always signs the final action.
Business Model
Eight compounding revenue lines on one platform.
Software revenue funds the network. The marketplace and execution layer compound on top of it as institutions and agents join.
Bars indicate relative expected contribution over the first five years, not committed revenue.
Market
Financial software will become operating systems.
The value is not in another product. It is in the layer that coordinates every product — and that layer does not exist yet.
Financial software
≈ US$155B
Global fintech / financial software revenue estimates, 2024.
Source: BCG Global Fintech Report 2025.
Global wealth
≈ US$470T
Total global net private wealth, 2023.
Source: UBS Global Wealth Report 2024.
Banking
≈ US$7T
Global banking revenue pool, 2023.
Source: McKinsey Global Banking Annual Review 2024.
AI
≈ US$189B
Global AI market size, 2023.
Source: Grand View Research, AI Market Report 2024.
Open Banking
≈ US$25B
Global open banking market, 2023.
Source: Grand View Research, Open Banking Market 2024.
Embedded Finance
≈ US$185B
Projected embedded finance revenue by 2030.
Source: Bain & Company, Embedded Finance 2022–2026 outlook.
Figures are published third-party estimates, rounded, and are shown for market context only. Definitions and methodologies differ between sources; full citations are available in the investor materials.
Why Now
Seven shifts converging in the same decade.
AI
Reasoning models can finally act on structured financial context.
Open Banking
Regulated data access is now standard across major markets.
API Economy
Every institution exposes programmable surfaces.
Embedded Finance
Financial products are distributed inside software.
Tokenization
Real-world assets become natively programmable.
Digital Identity
Verified identity makes remote execution trustworthy.
Financial fragmentation
Users hold more accounts, entities and assets than ever.
Roadmap
A four-year path to infrastructure.
2026
Foundation
- Sandbox engine
- Prototype
- Pre-seed round
- Core team
2027
United States
- US launch
- Enterprise pilots
- Open banking
- AI agents
2028
Europe
- EU expansion
- Marketplace
- DoctrineLab
- Institutional APIs
2029
Global
- Global coverage
- Financial OS
- Institutional platform
- Ecosystem
Funding
Raising
US$2.5M Pre-Seed
To build the sandbox, ship the first execution rails and secure the enterprise foundation. Runway of 18–24 months.
Use of proceeds
- Engineering28%
- AI18%
- Security12%
- Enterprise Sales14%
- Compliance10%
- Infrastructure8%
- Hiring10%
Indicative allocation. Final allocation set at closing.
Team
Founder-led. Building for institutional scale.
Markus Andersson
Founder & Chief Executive Officer
Vision: the Financial Operating System. Building the infrastructure for the next generation of finance — a single platform where financial decisions are simulated before they are executed.
Open seat
Chief Technology Officer
Reserved — senior infrastructure leader with a proven record building regulated, high-scale financial platforms.
Open seat
Head of AI
Reserved — applied research leader with a proven record shipping production agent systems.
Open seat
Head of Compliance & Risk
Reserved — regulatory leader with a proven record across US and EU financial supervision.
Executive and advisory profiles will be published as appointments are confirmed.
Let’s build the operating system for finance.
We are speaking with pre-seed investors, strategic partners and institutional design partners.