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Where financial noise
becomes peace.

Connect to your bank in 60 seconds. ClaraClara immediately helps you understand your money, and CliveClive plans and optimises on your behalf.

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🔒 Read-Only Open Banking • Bank-Grade AES-256
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SUPPORTED BY
Enterprise Ireland LIST Institute NDRC NDRC Graduate RDI Hub Yapily
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Understand, Optimise, and Grow your money with Broc

Broc will make it easy for you to understand your income and spending, then help you optimise it through your personal AI-driven team. Then, when you are ready, Broc will help you grow your money towards budgets and goals.

1. UNDERSTAND

Understand Your Money

First-in-class app & AI team that brings complete clarity to your accounts, recurring bills, and daily cash flow in real time.

Clara
Your Own Personal AnalystClara will help you understand any aspect of your money through conversation and rich visual explanations.
First-in-Class App & AI TeamConnect all your bank accounts or upload your statements in 60 seconds for zero-effort, real-time clarity.
Statement Ledger & Transaction EditingAudit and edit transactions inline across all accounts with custom filters, category tags, and outlier exclusions.
Visual Cash Flow MappingIncome, fixed expenses, and discretionary caps mapped automatically—no manual spreadsheets.
Receipt Vault & Tax TrackingUpload paper receipts or PDF statements; Clara automatically parses merchants, categories, and sales tax.
Clara Insights Clara AI Insights & Baseline Drivers
Financial Pulse Financial Summary & Spending Pulse
Cash Flow Map Open Banking Cash Flow Map
Statement Ledger Statement Ledger & Inline Transaction Editing
Spend Limits Cumulative Spend Limit vs 6-Month Average
Receipt Vault Vaulted Receipts & Sales Tax Parsing
2. OPTIMISE (MORE ABILITIES BEING ADDED WEEKLY)

Optimise Your Finances

Clive acts as your personal financial strategist (backed by Clara's analytics), working 24/7 to audit bills, negotiate contracts, and execute savings moves on your behalf.

Clive
Your Personal Financial StrategistClive acts as your dedicated strategist—proactively spotting contract moves, negotiating deals, and guiding every optimisation.
Agentic Price Finding with Help Me ShopLet Clive search across providers, compare tariffs & plans, and find the best real-world price before you buy or switch.
Assisted Cancelling & Product SwappingAssisted cancelling, downgrading, and changing of your recurring products, contracts, and services.
Set Budgets & Long-Term GoalsSet custom budgets and long-term goals—Clive and Clara will help you track against and reach them.
Minimum Effort, Maximum ControlClive and Clara can never do anything without your approval, so you have all the control, and none of the effort or stress.
AI Consumer Tenders (Coming Soon)Clive will launch automated tenders where broadband, energy, and insurance providers compete for your business.
Financial Goals Financial Goals & Savings Objectives
Help Me Shop Clive Help Me Shop Price Comparison
Category Budgets Category Budgets & Spending Limits
3. GROW (COMING NEXT YEAR)

Grow Your Wealth

Eventually, we will let you add more experts to your team with the ability to grow your money, manage risk, and help with painful tasks such as tax returns.

More AI Experts On DemandAdd specialized agents to your personal team for growth, risk management, and tax planning.
Hassle-Free Tax ReturnsDedicated tax AI agents to simplify filings and ensure you claim every relief due.
Smart Wealth BuildingAutomated goal tracking and risk-managed growth strategies tailored to you.
Diversified Index Portfolio 64% Reached
Balanced Growth Fund
Long-Term Wealth Reserve 100% Funded
Capital Preservation Target
Your Way

Hands-on or hands-off.
You decide.

Clive and Clara work for you, but nothing happens without your say-so.

Explore yourself

Use the full Broc app to understand where your money goes. Browse your cash flow, compare providers, and research every option at your own pace, with Clive and Clara always ready to help you dive deeper whenever you need them.

  • Full cash flow breakdowns
  • Compare provider offers side by side
  • Savings forecasts and goal tracking

Work together

Explore alongside Clive and Clara. Ask questions, dig into the details together, and get real-time analysis as you go. You lead, they assist.

  • Ask Clive to explain any opportunity
  • Get Clara's analysis on demand
  • Collaborate on decisions in real time

Just approve or decline

Let Clive and Clara handle everything: research, compare, negotiate. They present a recommendation. One tap to approve, one to decline.

  • Clive finds and tenders opportunities
  • Clara validates every recommendation
  • Nothing happens without your say-so
Your Team

Two specialised minds,
working for you

One finds opportunities and acts on them. The other validates every number before anything moves.

Listen 🔊
Clive

Clive

Strategist & Negotiator

Monitors your accounts for expired contracts, overcharges, and savings opportunities. Acts on your behalf in the real world.

Listen 🔊
Clara

Clara

Analyst

Analyses your recurring cash flow, models savings trajectories, and provides Clive with the analysis he needs to work on your behalf — so every decision is backed by your actual numbers.

Architecture

Bank-Grade Security & Autonomous AI Engine

Built on open standards, read-only Open Banking APIs, and multi-agent coordination.

1. Open Banking API

Read-only integration via Yapily. Never stores login credentials.

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2. Multi-Agent Engine

Clara analyses cash flow; Clive acts on your behalf in the real world.

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3. Tender Marketplace (Coming Soon)

Verified providers bid. You approve with a single tap.

Leadership

Backed by Experienced Tech Leaders

Founded by veteran operators from Google, TechStars, Kinzen, and AIB.

Barry Hanley

Barry

Co-Founder & CEO

Ex-Google Revenue Ops, founder of Kindora (TechStars '21). Serial product builder.

Stephen Flanagan

Stephen

Co-Founder & CPO

17 years at Google leading hyperscale software infrastructure and ML platforms.

Ruairí Hickson

Ruairí

Co-Founder & CTO

Ex-Kinzen, Boxever, and AIB ML lead specialising in financial transaction models.

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