Bluwhale Raises $10M as Banks Back Blockchain AI to Combat Generational Wealth Shift

One of the lead investors in the round is UOB Venture Management, a wholly-owned subsidiary that makes direct investments. United Overseas Bank is one of the world’s 100 largest banks and recently acquired Citi’s consumer banking business. SBI Holdings, the $74 billion Japanese 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 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, emphasizing that banks are considering leveraging blockchain networks rather than simply being exposed to them.

“Investors in this round are signaling strong commitments from Web2 and Web3 to a future powered by AI agents providing financial services across blockchains,” said Han Jin, CEO of Bluwhale. “It’s an incredible time to get into crypto as institutional adoption has reached an all-time high, from investing in ETFs to launching stablecoins to offering loans backed by digital assets.”

From skeptics to builders

For years, many banks have characterized cryptocurrencies as speculative or opaque. Jamie Dimon called Bitcoin a “pet rock.” Bank of America described it as “an untraceable money laundering tool.”

Today, institutions collectively hold around 15% of Bitcoin’s supply, while 86% of professional investors allocate it to digital assets and almost half of hedge funds have exposure to cryptocurrencies. This shift marks a new phase in institutional participation, with capital moving from passive holdings to AI-powered blockchain systems that provide real-time financial services at scale.

Recent market data illustrates this transition from holding and trading to building smart, decentralized infrastructure:

Bluwhale’s model allows institutions to participate in this transformation through transparent and automated systems.

Building the infrastructure for AI-driven finance

Bluwhale’s Layer 3 network orchestrates decentralized data, storage, and computing on blockchains to power hundreds of AI agents. These agents combine users’ financial health scores with personalized services that can recommend assets, manage wallets, and execute transactions securely on and off-chain.

The platform has over 3.6 million users worldwide and hosts an AI agent marketplace where developers and businesses launch financial tools for digitally-focused customers. Funds from this fundraising will expand this market, 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 Generation Z will take place. The number of licensed financial advisors is declining and brick-and-mortar branch models cannot scale profitably to meet demand.

For young investors who already manage their own health and wellness through apps and dashboards, financial planning becomes a similar self-management challenge. Bluwhale’s AI agents are designed to fill this gap, providing personalized advice to digitally native investors who expect the speed and accessibility of an app rather than a branch.

“Gen Z expects everything to be online, 24/7,” Jin added. “They won’t go to branches. They will rely on AI agents to manage their finances.”

“Our backers, from big banks to blockchain leaders, share our belief that decentralized AI will transform financial services and beyond,” Jin said. “We are developing technology that moves financial intelligence securely across chains.”

Bluwhale will host its Token Generation Event (TGE) on October 21, 2025, introducing $BLUAI, the native token that powers transactions, governance, and liquidity within its decentralized AI ecosystem.

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SOURCE: Blue Whale