Short answer: Penny (Wealthsimple): Wealthsimple's in-app AI assistant for everyday money and trading tasks: it can map a goal such as maxing out an RRSP, help with e-Transfers, wires, spending insights, invoices and trades, and never moves money or places a trade without client confirmation. Hark Pro: Personal AI 'operating system for your life' with its own cloud computer (Handoff), proactive Action Buttons and Panels; free with paid usage tiers.
Penny (Wealthsimple) vs Hark Pro
Sourced facts only. “Unknown” means not verified yet.
Key facts side by side
| Criterion | Penny (Wealthsimple) | Hark Pro |
|---|---|---|
| Type | personal agent | personal agent |
| Vendor | Wealthsimple (Toronto; founded 2014) | Hark (founded by Brett Adcock, per TechCrunch) |
| Channels / category | In-app within Wealthsimple's secure environment (Wealthsimple newsroom). A notify-me page is open; whether Penny ships in the current Wealthsimple app or only the rebuilt iOS and Android app coming early 2027 has not been published. | iOS and Android apps, web |
| Pricing / availability | Not published. Wealthsimple is not looking to generate revenue directly from Penny right now (The Logic, 5 Nov 2026). A notify-me signup is open; BetaKit reports broad availability in late 2026 or early 2027. | Full feature set free with a usage cap; Hark Pro² USD 20/month for 2× usage; Hark Pro³ USD 100/month for 10× usage (per hark.com) |
| Launched | 2026-11-05 | 2026-10-06 |
| Funding (reported) | n/a (Wealthsimple product). Wealthsimple raised a CAD 425 million Series F at a $13.8 billion valuation (BetaKit, 5 Nov 2026) | Not disclosed in the sources we checked |
| Channels confirmed | Mobile app | Mobile app, Web |
| Verified facts | Announced 5 Nov 2026 in Toronto at Wealthsimple Presents: Something Good Is Going to Happen, alongside 11 other releases; Handles everyday money and trading tasks with client sign-off on every move; can understand a client's broader finances and help turn goals into actions; Example: tell it to max out an RRSP by March and it can map next steps across institutions securely linked to Wealthsimple, set up recurring investments and adapt if the situation changes; Everyday tasks include sending e-Transfers and wires, spending insights, flagging duplicate credit card charges, managing expenses and paying invoices; for self-directed investors it can help buy and sell stocks, ETFs and other asset classes; Never moves money, places a trade or completes any other action without client confirmation; every interaction stays inside Wealthsimple's secure environment, so client information never leaves the platform; A notify-me signup is open for Penny; it is not listed among features you can use today; Broadly available by late 2026 or early 2027, per a BetaKit interview with Sam Newman-Bremang (senior director and head of AI products) and Swapnil Parikh (VP of investing products); Unlike autonomous agents such as Meta's Muse, Penny cannot independently navigate the internet; it uses a secure data feed rather than screen scraping, and cannot independently initiate a transfer from another bank (The Logic); Wealthsimple is building secure connections so clients can connect accounts to ChatGPT or Claude in early 2027, with client approval at setup and an extra check for critical actions; Pricing unpublished; Wealthsimple is not looking to generate revenue directly from Penny right now (The Logic). Regions outside Canada and whether Penny lives in the current app versus only the new app coming early 2027 are unpublished. | Released widely on 6 Oct 2026, free for everyone on iOS, Android and web; Founded less than a year before launch by serial founder Brett Adcock (TechCrunch); Handoff, Hark's cloud computer, can juggle up to 6 browsers at once and log in to websites on your behalf; Connects to Google and Outlook via APIs and to files and databases via MCP; Shows the agent navigating the web in a small window so users can see its work (TechCrunch); 'Secured by Hark' encrypted vault holds cards and passwords; Hark says even it cannot see inside; Paid tiers add usage only: Hark Pro² USD 20/mo (2×) and Hark Pro³ USD 100/mo (10×); Hark plans to release its first physical product in 2027 |
| Website | https://www.wealthsimple.com/en-ca/financial-assistant-notify-me | https://hark.com/ |
| Sources | [1] [2] [3] [4] [5] | [1] [2] [3] [4] |
| Last checked | 2026-11-11 | 2026-11-11 |
Frequently asked questions
What is Penny (Wealthsimple)?
Wealthsimple's in-app AI assistant for everyday money and trading tasks: it can map a goal such as maxing out an RRSP, help with e-Transfers, wires, spending insights, invoices and trades, and never moves money or places a trade without client confirmation.
What is Hark Pro?
Personal AI 'operating system for your life' with its own cloud computer (Handoff), proactive Action Buttons and Panels; free with paid usage tiers.
How much does Penny (Wealthsimple) cost?
Not published. Wealthsimple is not looking to generate revenue directly from Penny right now (The Logic, 5 Nov 2026). A notify-me signup is open; BetaKit reports broad availability in late 2026 or early 2027.
How much does Hark Pro cost?
Full feature set free with a usage cap; Hark Pro² USD 20/month for 2× usage; Hark Pro³ USD 100/month for 10× usage (per hark.com)
Are Penny (Wealthsimple) and Hark Pro the same type of agent?
Penny (Wealthsimple) is listed as a personal agent and Hark Pro as a personal agent.
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