# Yinon Ravid

> Yinon Ravid is the co-founder and CEO of Albert, the personal finance app that turned 'pay what you think is fair' into a profitable business serving millions of mostly young, under-$100k Americans. A former high-yield bond trader turned engineer, he spent the past decade building budgeting, banking, saving, investing and human-plus-software financial advice into one app - and in 2026 shipped Genius, an AI assistant that doesn't just advise but takes action on your money.

- **Role:** Co-Founder & CEO at Albert
- **Organizations:** Albert, Openfolio, Oak Hill Advisors, Foundation (foundation.news)
- **From:** Boston area, Massachusetts, United States
- **Nationality:** American
- **Education:** B.A. in Economics, Columbia University (Columbia College)
- **Known for:** Built Albert into a profitable money app serving roughly 5 million users, Raised over $170 million in funding for Albert, including a $100M Series C led by General Atlantic, Pioneered a 'pay what you think is fair' subscription model for financial services

## Career timeline

- **2005** — Graduates from Columbia College with an economics degree
- **2005-2011** — Works as a financial consultant and then a high-yield bond trader, including roughly six years at Oak Hill Advisors
- **2013** — Founds Openfolio, a social network for sharing and benchmarking investment portfolios
- **2015** — Co-founds Albert with Andrzej Baraniak
- **2021** — Albert raises a $100M Series C led by General Atlantic
- **2026** — Albert launches Genius, a hyper-personalized AI financial assistant that takes action, debuted with an NFL ad featuring Sarah Hyland

## Achievements

- Built Albert into a profitable money app serving roughly 5 million users
- Raised over $170 million in funding for Albert, including a $100M Series C led by General Atlantic
- Pioneered a 'pay what you think is fair' subscription model for financial services
- Brought human, text-based financial advice ('geniuses') to young Americans at every income level
- Launched Genius, an action-taking AI financial assistant, in 2026

## Latest updates

- **2026-01** — Albert launches Genius, a hyper-personalized AI assistant that links to users' accounts and takes action on bills, transfers, budgets and shopping; debuted alongside a national survey on Americans' financial struggles.
- **2026-01** — Albert runs its first celebrity campaign, an NFL ad featuring actress Sarah Hyland to introduce Genius.

## Links

- Website: https://www.yinonravid.com/
- LinkedIn: https://www.linkedin.com/in/yinonravid/
- Twitter/X: https://x.com/yinonar

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Profile page: https://yespress.io/yinon-ravid
Published by YesPress — https://yespress.io
Last updated: 2026-06-04