Arca, a wealth management firm that calls itself "AI-native," has raised $48.5 million in a round led by General Catalyst, with Index Ventures and Venrock taking part. The firm uses AI agents for analysis and planning, but human advisors control all trading and money movement. Safety rules are hard-coded rather than left to model judgment, said lead AI engineer Aman Singh. Arca built its own harness that picks the best model for each task, with Anthropic's Claude as the main provider. A memory system tracks pending actions and who is responsible for each client. Advisor feedback feeds a "meta-agent" that suggests improvements to model selection.

Arca, an AI-native wealth management firm that emerged from stealth in June 2026 with $64 million in funding, has partnered with Altruist as its preferred custodian and technology partner. Despite being recently launched, Arca already manages over $1 billion in client assets. The company has embedded Altruist's Realtime Custodial API into its proprietary platform. This integration enables Arca's AI agents to streamline operational workflows, allowing human advisors to focus on delivering personalised guidance to clients. Arca combines expert advisors with purpose-built AI to automate operational complexity in wealth management. The firm scales through acquisition and proprietary software rather than traditional growth methods. Arca is the first firm building on Altruist's real-time API, with additional tech-forward advisory firms expected to follow later this year.