Nous

๐Ÿ“‚ Fintech๐Ÿ“‚ Artificial Intelligence๐Ÿ“ London๐Ÿ—“๏ธ Founded: 2021

A UK startup founded by Greg Marsh offering families an AI agent that manages bills, subscriptions, appointments and provider switches, with updates via WhatsApp.

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Podcast Episode

๐ŸŽ™๏ธ Deep Dive

Miro, Nous, adsilico โ€” $1.36B closing, $17M for a household agent and ยฃ10M for virtual patients โ€” Daily News October 26, 2026

Listen to the episode

About Nous

Founded by Greg Marsh, previously founder of onefinestay, Nous has built an AI agent for household administration: it finds cheaper deals, switches providers, cancels subscriptions, fills in forms, flags unfavourable contract terms, manages family deadlines and books tradespeople, acting on the userโ€™s behalf once authorised. It combines large language models with rules-based systems, especially for financial decisions, and talks to users via WhatsApp. The service is free, with a Premium plan at ยฃ6.99 per household per month. The company reports nearly 250,000 households served and more than $900 million of annual household spending managed across energy, broadband, mobile and car insurance. On October 26, 2026 it raised $17 million from Heartcore Capital and seed investor Mosaic Ventures, with Chalfen Ventures, Joyance Partners and Bain & Companyโ€™s Future Back Ventures, to expand internationally and into regulated financial services such as insurance.

The Story

Founded by Greg Marsh, the British entrepreneur known for creating onefinestay, to automate household administration.

How Nous works

Business Model

A free B2C service with a per-household Premium subscription.

Revenue Model

Premium subscription at ยฃ6.99 per household per month; any commissions on provider switches are not stated on the website.

Products & Services

Key Products

  • Agente AI domestico (gratuito)
  • Nous Premium

Core Use Cases

  • Comparing and switching energy, broadband, mobile and insurance providers
  • Cancelling subscriptions and managing contracts
  • Family deadlines, forms and booking tradespeople

Market & Clients

Key Customers

UK households.

Geographic Presence

GB

How Nous competes

Competitive Advantages

  • Executes actions on the userโ€™s behalf beyond comparison
  • WhatsApp interface
  • Combination of language models and deterministic rules

How Nous grows

Growth Strategy

International expansion, new household-management features, more spending categories and regulated financial services such as insurance.

Distribution Model

Direct-to-consumer service, with updates and requests via WhatsApp.

Moat (Defensibility)

Household contract and spending data, provider integrations and trust built on verifiable actions.

Regulatory Context

It operates as an Appointed Representative of an FCA-authorised firm; consumer protection, data protection and insurance-intermediation rules apply.

Key Risks

  • Errors in actions taken on usersโ€™ behalf
  • Consent and authorisation management
  • Actual savings lower than those identified
  • Processing of personal financial data

Strategic Insights

  • An agent that executes actions, rather than just comparing prices, shifts value from comparison to delegation.
  • Managing other peopleโ€™s money requires deterministic rules alongside language models.

Funding & Investors

Funding Rounds

  • - Seed: Non divulgato
    Lead: Mosaic Ventures
  • 2026 - Funding round (stadio non specificato): $17M

Key Investors

Heartcore CapitalMosaic VenturesChalfen VenturesJoyance PartnersFuture Back Ventures (Bain & Company)

Founding Team

Founders

Greg MarshFounder & CEO

Key Metrics

Famiglie servitequasi 250.000 (2026)
Spesa domestica annua gestitaoltre $900 milioni (2026)
Risparmio tipico identificatoยฃ734 (2026)

Lessons from Nous

  • In agentic consumer services, trust is built by making every action taken for the user verifiable.

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Sources

๐ŸŽ™๏ธ Scalable Podcast โ€” European startup stories ยท ๐Ÿ‡ฎ๐Ÿ‡น in Italian
Spotify ๐ŸŽง Apple