About Us

Building the future of personal finance — private, intelligent, and accessible to everyone.

Meet the Founder

Ashrith Govind

Ashrith Govind

Founder & CEO

Tech entrepreneur with over 20 years of experience building and scaling technology products. I've been active in the fintech space for over a decade, serving as a consultant for top global cryptocurrency exchanges and market makers. From bootstrapping startups to advising on high-frequency trading infrastructure, I've dedicated my career to creating technology that solves real problems. With arc, I'm combining my deep fintech expertise with a mission to democratize financial intelligence.

Fintech Consultant (10+ Years)

Consulted for top global cryptocurrency exchanges and market makers on trading infrastructure, platform architecture, and scaling high-frequency systems.

WiLoop (2014 – 2022)

Founded and scaled a WiFi Analytics platform to 5M+ users across major hospitality chains in India. Built the technology infrastructure from the ground up and led a team of engineers.

2018 Thiel Fellowship Finalist

Recognized among top young entrepreneurs globally by the Thiel Foundation for innovative technology solutions and entrepreneurial potential.

Connect on LinkedIn

Why We Built arc

arc started as a hobby project born out of personal necessity. My finances were all over the place — scattered across multiple banks, investments, and accounts with no single view of the complete picture. I discovered Actual Budget, an incredible open-source budgeting tool, but it lacked a polished, native mobile experience.

What began as building a nice-looking native app for myself quickly revealed a bigger problem: the personal finance space is broken. Most "free" budgeting apps sell your transaction data to advertisers and hedge funds. Premium alternatives like YNAB and Monarch charge $100+/year, pricing out the very people who need budgeting help the most.

We built arc because we believe financial privacy is a fundamental right, not a luxury. You shouldn't have to choose between powerful budgeting tools and protecting your data.

You Are the Product

Most budgeting apps sell your transaction data. We built arc so your data never leaves your device.

Subscription Fatigue

Competitors charge $100+/year. We believe budgeting tools should be accessible to everyone.

Zero Knowledge

Your data is encrypted on your device. We physically cannot see your financial information.

Our Vision

A Family Office in Your Pocket

Today, quality financial advice costs $500+/hour. Family offices serve only the ultra-wealthy. The average person is left with generic tips and expensive advisors.

We're building an AI that runs entirely on your device — analyzing your complete financial picture, providing advisor-grade insights on tax optimization, cash flow, and wealth building. Zero data leaves your phone.

On-Device AI

Powerful financial insights powered by AI that runs locally — your data never leaves your device.

Smart Insights

Tax optimization, cash flow analysis, and wealth building strategies — personalized for you.

Accessible to All

Democratizing financial intelligence — advisor-grade insights at a fraction of the cost.

Democratizing Financial Intelligence

Financial Advisor$500+/hr
Family Office$10M+ AUM
arc AI$4/mo

Same insights. Fraction of the cost. 100% private.

What's next · Coming soon

ARCtic Score

Your complete financial health, distilled into one number — combining savings rate, debt ratio, and budget adherence, with on-device AI recommendations to improve it. Track it over time, celebrate the milestones.

Ready to take control of your finances?

Join thousands waiting for the future of private, intelligent budgeting.

Get Early Access