Cent Capital is an AI-powered financial wellness platform designed to help neobanks, credit unions, and financial institutions reduce customer churn and increase customer lifetime value (LTV). Our platform operates as an embedded finance (B2B2C) solution, integrating a white-label AI co-pilot directly into our partners' existing applications via a secure API. For the end-user, the co-pilot leverages Generative AI and LLMs to provide hyper-personalized financial management tools, including automated budgeting, real-time expense tracking, predictive cash flow forecasting, and AI-powered fraud detection. By transforming a standard banking app into an indispensable daily PFM tool, Cent Capital boosts user engagement, strengthens brand loyalty, and creates significant opportunities for product cross-selling.