Company overview
An AI-powered financial co-pilot
Cent Capital Global Inc. is a New York-based financial technology company founded in 2025. Its platform brings bank accounts, credit cards, loans and investments into a unified dashboard, then applies automation to spending audits, adaptive budgeting and contextual financial education. The product operates under an “Education, Not Advice” framework and is designed to make financial clarity accessible at a mass-market price.
The company also established CENT CAPITAL LIMITED in the United Kingdom in October 2025, creating an operating foundation for international expansion. Founder and CEO Shivam Singh previously worked across quantitative AI, venture capital and enterprise generative-AI strategy, including go-to-market leadership at Amazon Web Services.
Product
Four connected product pillars
The product turns fragmented financial information into a continuous, explainable workflow rather than a collection of isolated tools.
Unified telemetry
Secure bank API connections across cash, credit, debt and investment accounts.
One real-time view of net worth and cash flow.Adaptive budgeting
Automated categorization and spending thresholds that adjust to observed behavior.
Less manual tracking and clearer progress toward goals.Proactive auditing
Background monitoring for fee spikes, recurring-price changes and anomalous activity.
Earlier visibility into avoidable costs and unusual transactions.Behavioral nudges
Educational prompts that frame spending in relation to income and priorities.
More contextual, sustainable financial decisions.Growth
Post-launch user momentum
Following its public launch in late September 2025, the platform reached 56,843 active subscribers by July 2026. Acquisition was driven primarily by Cent Capital’s organic content network rather than paid advertising.
Active subscriber growth
Cumulative active subscribers and monthly additions from launch.
Organic audience funnel
The content ecosystem supporting awareness, downloads and active use.
Engagement
Multi-platform reach and repeat usage
Android represents the largest share of active subscribers, while web and Windows provide meaningful cross-platform reach. Monthly active users represent 71.7% of registered users, and weekly active users represent 73.1% of MAU.
Subscriber distribution
Share of active subscribers by platform.
Engagement tiers
Registered, monthly, weekly and daily active user levels.
Business model
Accessible SaaS with aligned marketplace revenue
Cent Capital combines a $1 monthly subscription with curated marketplace partnerships. At the July 2026 user level, the analysis calculates $682,116 in direct annualized SaaS revenue. Marketplace revenue is modeled at $3–$5 per user annually; the chart uses the midpoint for a transparent view of composition.
Annualized revenue composition
Current user base, using the midpoint of marketplace revenue per user.
Average revenue per user
Annual SaaS ARPU and blended ARPU trend.
Illustrative ARR scaling
SaaS revenue plus midpoint marketplace revenue across strategic user tiers.
| Metric | Company analysis | Context |
|---|---|---|
| Blended CAC | $0.68 | Content-led organic acquisition |
| LTV : CAC | 49.4×–62.6× | Range reflects marketplace ARPU |
| CAC payback | < 1 month | Based on current subscription pricing |
| SaaS gross margin | 92.3% | Primary costs are infrastructure and data aggregation |
| Blended gross margin | 87.1%–89.4% | After marketplace revenue sharing |
| Monthly churn | ~0.4% | Company analysis estimate |
Technology & trust
Cloud-native infrastructure and domain-specific AI
The platform uses containerized microservices across AWS and Google Cloud, supporting web, Android and Windows clients. Its proprietary Financial Large Language Model is designed around transaction categorization, anomaly detection, net-worth tracking and contextual financial education rather than general-purpose conversation.