Consumer agents have to be built around a person," said Han Jin, co-founder and CEO of Bluwhale. Consumer agents need context, permission, and proofTo work on behalf of an individual, an agent needs more than a prompt. It needs current context across the user's financial life and clear rules governing what it can access and do. In 2026, it extended that foundation into its consumer financial operating system across web and mobile. By combining AI agents, financial intelligence and decentralized infrastructure, Bluwhale gives users one view of their financial lives and tools to act while retaining control of their data, accounts and permissions.