Bluwhale, a decentralized intelligence network building AI on blockchain infrastructure, has raised $10 million in Series A financing led by global financial institutions and blockchain ecosystems. The funding reflects a broader shift in finance as banks that once dismissed crypto now back blockchain-based AI to prepare for a generational wealth transfer that traditional headcount-heavy advisory models cannot scale.
A major investor in the round is UOB Venture Management, a wholly owned subsidiary that conducts direct investment. United Overseas Bank is among the world’s top 100 banks, and recent acquirer of Citi’s consumer banking business. SBI Holdings, Japan’s $74 billion financial infrastructure giant, is already one of Bluwhale’s investors, alongside five of the top 100 blockchains, including Sui, Tezos, Cardano, Arbitrum and Movement Labs.
Additional investors include both traditional and digital asset investors, such as PAID Network, Sublime Ventures, High Cosmos Capital, CMY Ventures, DataSpike, NewHeritage, and the Head of AI at Amazon. Bluwhale said the round was structured as a multi-year institutional partnership program, underscoring that banks plan to build on blockchain networks rather than simply hold exposure to them.
“The investors in this round signal strong commitments from both Web2 and Web3 to a future powered by AI agents delivering financial services across blockchains,” said Han Jin, CEO of Bluwhale. “It’s an incredible time to be in crypto as institutional adoption has reached an all-time high, from ETF investments to launching stablecoins to offering loans backed by digital assets.”
From Skeptics to Builders
For years, many banks characterized crypto as speculative or opaque. Jamie Dimon called Bitcoin a “pet rock.” Bank of America described it as “an untraceable tool for money laundering.”
Today, institutions collectively hold approximately 15% of Bitcoin’s supply, while 86% of professional investors allocate to digital assets, and nearly half of hedge funds have exposure to cryptocurrencies. The shift marks a new phase in institutional participation, with capital moving from passive holdings to AI-enabled blockchain systems that deliver real-time financial services at scale.
Recent market data showcases this transition from holding and trading to building intelligent, decentralized infrastructure:
- $118 billion in spot Bitcoin and Ether ETF inflows in Q3 2025
- BlackRock’s iBIT fund surpassing $86 billion AUM
- $113 billion in Bitcoin held by corporate treasuries
Bluwhale’s model provides a path for institutions to join that transformation through transparent, automated systems.
Building the Infrastructure for AI Agent-Powered Finance
Bluwhale’s Layer 3 network orchestrates decentralized data, storage, and computing across blockchains to power hundreds of AI agents. These agents pair user financial-health scores with personalized services that can recommend assets, manage portfolios, and execute transactions securely on- and off-chain.
The platform has more than 3.6 million users worldwide and hosts an AI-agent marketplace where developers and enterprises launch financial tools for digital-first customers. Funds from the raise will expand this marketplace, strengthen multi-chain interoperability, and support institutional integrations.
The $84 Trillion Catalyst
Over the next 30 years, an estimated $84 trillion wealth transfer from Baby Boomers to Millennials and Gen Z will take place. The number of licensed financial advisors is shrinking, and physical-branch models cannot profitably scale to meet demand.
For younger investors who already self-manage health and wellness through apps and dashboards, financial planning is becoming a similar self-management challenge. Bluwhale’s AI agents are designed to fill that gap, delivering personalized guidance to digital-native investors who expect the speed and accessibility of an app rather than a branch.
“Gen Z expects everything online, 24/7,” Jin added. “They won’t go into branches. They’ll rely on AI agents managing their finances.”
“Our backers, from major banks to blockchain leaders, share our belief that decentralized AI will transform financial services and beyond,” said Jin. “We are building technology that scales financial intelligence securely across chains.”
Bluwhale will host its Token Generation Event (TGE) on Oct. 21, 2025, introducing $BLUAI, the native token powering transactions, governance, and liquidity within its decentralized AI ecosystem.
About Bluwhale
Bluwhale is an AI-powered financial health platform that integrates traditional banking data, alternative income sources, and blockchain-based assets into a unified financial score. Built to modernize financial visibility for a generation underrepresented in legacy systems, Bluwhale bridges traditional and decentralized finance to enable better risk assessment, broader market inclusion, and more personalized financial services. For more information, visit www.bluwhale.com.
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