OpenAI has completed the acquisition of Roi, an artificial intelligence powered personal finance application, marking another significant step in the company’s expansion into consumer facing services. The transaction brings Roi’s founder and chief executive officer, Sujith Vishwajith, to OpenAI, where he will oversee the development of consumer finance initiatives.
An Unconventional Acquisition Structure
The deal presents an unusual arrangement in the technology sector. While most acquisitions involve transferring entire teams, OpenAI is bringing only Vishwajith aboard from Roi’s four person workforce. This selective approach suggests the company is primarily interested in the founder’s vision and expertise rather than acquiring the existing technology platform or expanding its workforce significantly. The financial terms of the transaction have not been disclosed to the public.
Following the acquisition, Roi will discontinue all services and cease operations for its customers on October 15, 2025. Users of the platform will need to transition their financial management activities to alternative solutions before this date.
Roi’s Technology and Market Position
Roi offered a comprehensive financial management solution designed to consolidate various asset classes into a single interface. The platform supported traditional investments including stocks, digital assets such as cryptocurrency and non-fungible tokens, decentralized finance protocols, and real estate holdings. Additionally, Roi enabled fee free trading across multiple brokerage accounts including Robinhood, Coinbase, TD Ameritrade, and WeBull. The application featured an artificial intelligence companion that provided personalized insights and recommendations based on individual user preferences and financial behaviors.
Before its acquisition, Roi had secured $3.6 million in funding from investors, demonstrating market confidence in its approach to modernizing personal finance management through artificial intelligence.
Strategic Context and Industry Implications
This acquisition aligns with OpenAI’s broader strategy of developing personalized consumer applications. The company recently introduced Instant Checkout functionality within ChatGPT through a partnership with Stripe, enabling users to complete purchases directly through the conversational interface. Additionally, OpenAI acquired product development platform Statsig for $1.1 billion in September 2025.
Vishwajith has articulated a vision centered on personalization as the defining characteristic of future software development. His appointment suggests OpenAI intends to integrate sophisticated financial capabilities into its existing products, potentially transforming ChatGPT into a comprehensive platform for managing both informational and transactional aspects of users’ financial lives.
The acquisition positions OpenAI to compete with established financial technology companies and other artificial intelligence firms exploring similar applications in personal finance management.
