Kraken is rebuilding its app around agentic trading

Kraken is rebuilding its mobile app around agentic trading, embedding AI financial intelligence into the core experience rather than bolting on a chatbot. The rebuilt Kraken app will monitor markets around the clock, recommend personalized trades based on your goals and risk profile, and wait for your explicit approval before executing anything.

Key Takeaways

• Kraken is completely rebuilding its mobile app from the ground up, with agentic AI at the center instead of a trading-first interface.
• The platform's financial intelligence monitors markets continuously, suggests portfolio moves, and requires user confirmation before any trade executes.
• Kraken is positioning the rollout as a shift from exchange-only services toward a broader financial platform spanning payments, banking, and lending.
• Competitors including Coinbase, Gemini, OKX, and Revolut are racing to embed AI assistants into crypto trading workflows.
• Chief data officer Kamo Asatryan says the goal is giving everyday investors the market awareness of Kraken's most active professional traders.

Kraken, one of the world's largest crypto exchanges, told CNBC exclusively that it is preparing to reintroduce its app with agentic trading at its core. The move arrives as crypto exchanges increasingly compete on AI-powered tools rather than basic buy-and-sell screens alone.

In a company blog post published July 10, 2026, Kraken said the redesign is personal, proactive, and built around user financial goals. Unlike platforms that hand customers complex tools and little guidance, the new experience asks what you are working toward first.

What is Kraken's new agentic trading app?

Agentic trading refers to AI agents that can monitor markets, evaluate conditions, and recommend or pursue investment objectives based on human inputs and set parameters. Kraken's version is not a copilot layered onto an old interface.

"Unlike other trading platforms, this won't be an AI assistant or a copilot bolted onto the old version of the app," Kraken wrote. "The financial intelligence is built into the fabric of Kraken itself. That's what will make it feel alive."

From the moment you open the new app, you set financial targets such as buying a home, saving for retirement, or building an emergency fund. The interface then shapes itself around those objectives and works in the background to help you progress.

How does Kraken's AI investing assistant work?

According to Kraken and reporting from Crypto News, the assistant replaces a trading-first layout with a goal-based flow. Users share financial objectives, risk tolerance, funding preferences, and profile details before receiving tailored recommendations.

Kraken calls the underlying system "financial intelligence." It continuously tracks market conditions, identifies potential opportunities, and surfaces proactive suggestions such as putting idle cash to work or rebalancing positions that have drifted from target allocations.

During onboarding, the AI builds a draft portfolio you can review, adjust, and approve. Once invested, the app delivers portfolio-relevant news, curated insights, and ongoing investment ideas tied to your existing holdings.

In the United States, investment advice on crypto assets is provided by Payward Interactive, Inc., while securities advice comes from Kraken Adviser LLC, an SEC-registered investment adviser. Kraken noted that outside the United States, the service may also offer discretionary portfolio management where elected.

Will Kraken's AI execute trades without your approval?

This is the most important guardrail for retail users weighing AI-assisted investing. Despite the agentic framing, Kraken consistently emphasizes human control over execution.

CNBC reported that although the AI proactively surfaces opportunities and recommends next steps, it does not take action on its own. Trades and recommendations are only executed with the customer's explicit confirmation.

Crypto News described the feature as a decision-support tool rather than an autonomous trading system. Kraken's blog put it plainly: maximum visibility and maximum control, with minimum effort. You stay in charge of every decision while the app does the analytical heavy lifting.

That mirrors a wider industry pattern. On the same day, fintech firm Revolut expanded its Revolut X exchange so customers can connect external AI assistants including Claude, Gemini, Cursor, and OpenClaw to analyze markets and submit orders via natural-language prompts. Revolut also requires users to review and approve every order before execution.

Why is Kraken moving beyond a traditional crypto exchange?

Kraken was founded in 2011 and built a reputation serving institutions, trading firms, professional traders, and active leverage users. Chief data officer Kamo Asatryan told CNBC the exchange now wants to bring online a new cohort of customers as it evolves beyond pure exchange services.

"These are areas that have not been touched by crypto historically, but with stablecoins and with tokenized assets, there's a lot more access and capability, use cases and utility beyond exchanges," Asatryan said. He added that Kraken is looking to build a full-stack financial services platform across payments, banking, lending, and more.

The AI push also reflects competitive pressure. Coinbase and Gemini have introduced AI-assisted trading and developer tools. OKX launched a beta marketplace for AI agents, and Coinbase has expanded agentic payment capabilities. For investors tracking how platforms are reshaping passive and active strategies, our Wealth Hacks & Passive Income coverage follows these shifts closely.

What does agentic trading mean for everyday investors?

Asatryan framed the opportunity in plain terms. "In this new world, there's an opportunity for everyday people to become high-frequency traders and do so using plain English by just talking to their well informed best friend," he told CNBC.

He described the experience as talking to someone who knows finance and knows your goals, helping you navigate assets, products, and markets without requiring you to become a professional trader yourself. Kraken believes that could unlock engagement from everyday users who traditionally churn during bear markets.

The rollout lands during a prolonged downturn in crypto asset prices, a period when builders often focus on product innovation. Asatryan argued AI represents a true growth opportunity rather than a passing fad, because professional traders on Kraken remain active across market cycles while many retail users buy high and sell low.

Kraken's blog said the rebuilt app is coming very soon. Whether you are a long-time holder or exploring goal-based portfolio tools for the first time, the launch signals that major exchanges now see AI-native advice as core infrastructure, not an optional sidebar feature.