Most fintech startups talk about disrupting banking. RevoAI, a newcomer with big ambitions, is talking about replacing it with something it calls “Bank 5.0.” The pitch? An AI-powered financial platform that doesn’t just manage your money—it helps you build the skills to stay employable in an economy increasingly shaped by automation.

It’s a bold framing at a time when the World Economic Forum projects that 85 million jobs could vanish by 2025 due to automation. RevoAI’s angle is to tackle both sides of that equation: smart financial tools on one hand, and verifiable skills on the other.

Banking That Wants to Be More Than Banking

CEO Matt Kelly insists the company’s vision goes beyond finance-as-usual: “Financial stability and lifelong learning must coexist if we want an inclusive digital economy.” That sounds lofty, but RevoAI’s product roadmap suggests it’s serious about merging banking and professional development.

The platform’s first product is a Buy Now, Pay Later (BNPL) service—hardly revolutionary in itself, given the likes of Klarna, Affirm, and PayPal’s Pay in 4. The twist is that RevoAI is layering in machine learning to tighten credit assessments and minimize risky lending. Responsible financial behavior won’t just help your credit score—it earns “Aptitude Tokens” that can be spent on career development resources.

That leads to the company’s blockchain-powered “Skills Passport,” a digital credentialing system that lets users maintain a verifiable record of professional competencies. In theory, this bridges financial activity and career progress in a way most fintechs don’t even attempt.

Chasing Two Hot Markets

RevoAI is planting its flag at the crossroads of two booming sectors. The global BNPL market is on track to surpass $900 billion by 2030, while AI in banking is forecast to hit $339 billion by 2034. If RevoAI can carve out a niche where these trends intersect—financial empowerment plus employability—it could be well-positioned against single-focus fintech rivals.

Of course, execution matters. While BNPL adoption is exploding, regulators are circling, citing concerns over debt traps. Similarly, blockchain-backed credentialing is still an unproven model. The real test for RevoAI will be whether it can persuade users that banking and upskilling belong in the same digital wallet.

What’s Next

Beyond BNPL, RevoAI’s roadmap includes a full suite of digital banking services: lending, global payments, and even asset tokenization. The company says all of this will be built on a foundation of “ethical AI” and regulatory compliance—a phrase that could help ease skepticism from both users and watchdogs.

RevoAI is gearing up for its first funding round through a Security Token Offering (STO). If successful, it could validate the company’s thesis that fintech’s future isn’t just about payments or credit, but about helping people navigate a world where financial health and employability are increasingly inseparable.