How AI and user-owned data are redefining personal finance

On November 12, 2025, a new wave of projects emerged that integrate artificial intelligence (AI), decentralized finance (DeFi), and user-owned data to transform personal finance. These innovations aim to change how individuals earn, save, and invest in the digital landscape, potentially offering more control and better financial outcomes for users. This shift is significant as it represents a move towards more personalized and user-centric financial solutions, which could democratize access to financial tools and services.