Kraken has rolled out a new AI-powered investing assistant for its mobile app that aims to bring institutional-style market awareness to everyday crypto investors—while keeping final trading decisions firmly in users’ hands.
The revamped experience shifts away from a trading-first interface and toward a goal-based workflow. Rather than forcing users to parse charts and order books, the app asks about concrete objectives—buying a home, building an emergency fund, or saving for retirement—and tailors investment recommendations around those targets. Kraken says the assistant continuously monitors market conditions, surfaces potential opportunities, and proposes trades, but it will not execute orders autonomously: every suggestion requires user approval. Kraken frames the feature as a decision-support tool, not an autonomous trading engine.
Key features, per the company and CNBC reporting:
- Personalized portfolios generated using users’ risk tolerance, funding preferences, and financial profiles.
- Modifiable recommendations so users can tweak allocations before investing.
- Ongoing portfolio updates and targeted ideas based on holdings and market shifts.
Kraken’s chief data officer, Kamo Asatryan, told CNBC the system is designed to close the gap between casual investors and the most active traders on the exchange by “continuously monitoring markets and surfacing trading opportunities.” He suggested the tool can help “everyday people become high-frequency traders” using plain-English prompts.
Kraken’s move fits a broader industry trend of exchanges embedding AI tools into their platforms. In June, OKX launched a beta marketplace letting AI agents perform on-chain tasks, build blockchain reputations, and transact autonomously. Coinbase has introduced a tool enabling AI agents to make payments and trade on users’ behalf via its x402 payments protocol. Blockchain analytics firm Chainalysis recently reported that agentic payment activity on Coinbase’s Base network surpassed 100 million transactions; while transaction growth has slowed, the average transfer value has risen, indicating AI-driven payments are moving beyond low-value tests into more substantive activity.
Despite growing AI capabilities, exchanges appear cautious about relinquishing control. Revolut last week expanded its Revolut X exchange to allow customers to connect external AI assistants—including Claude, Gemini, Cursor, and OpenClaw—to analyze markets, backtest strategies, and submit trade instructions via natural-language prompts. But like Kraken, Revolut requires users to review and approve every order before it’s placed.
Across the industry, companies are positioning AI as a research and portfolio-management companion rather than granting agents unrestricted authority over customer funds—a stance that preserves user control while racing to democratize sophisticated trading tools.
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