Low financial literacy, limited access to quality financial advice, and the steep cost of expert guidance leave many struggling to achieve financial independence in today's world. The emergence of Agentic AI, with its ability to deliver personalized, autonomous decision-making, offers a powerful solution to these challenges. Imagine an AI-powered private CFO helping you to seamlessly navigate the complex world of finance. In this interview, LumenFiAi’s CEO Björn Campbell shared valuable insights into how Agentic AI and blockchain are affordable and accessible financial tools powering and democratizing the future of finance. Björn Campbell Björn Campbell Hello, Mr. Campbell! Can you briefly tell us about yourself and your professional background? I have spent over two decades in technology—leading global infrastructure for firms like Tyco and Johnson Controls, and later building and exiting a digital services company from the ground up. One of my most meaningful ventures was Optimum Origens, a high-performance Managed Services Provider I founded because I saw firsthand how underserved small and mid-sized businesses were. While Fortune 500 companies had elite tech support, SMBs were left behind. I built Optimum Origens to close that gap—and we did it exceptionally well. Now, I am seeing a different but equally urgent gap—one that I’ve personally experienced. Too many people, regardless of income level or ambition, are navigating money alone, without clarity, without guidance. I’ve been there. That frustration—of knowing you could do better if someone just showed you how—is what led to LumenFAI. Agentic AI is a paradigm shift in AI. How is it designed to offer tailored financial advice for users with minimal prior knowledge? Most people are drowning in decisions—credit, bills, investing, saving—and no one’s helping. Agentic AI changes that by acting on your behalf, not just showing you charts. We have built an AI that doesn’t wait for you to ask the right question—it knows what to ask, what to fix, and when to act. Even if you’ve never looked at a budget in your life, it will move you forward automatically. It’s not a tool—it’s a thinking partner. How does the high cost of financial expertise in the traditional sense validate the need for an AI-powered private CFO? Today, access to expert financial advice is a luxury. But in a system that is already stacked against you, lack of access is fatal. That where the need to flip that power dynamic comes in. An AI-powered CFO gives you world-class intelligence without the gatekeeping, fees, or intimidation. You don't need to speak Wall Street. It speaks you—and that changes everything. How can blockchain technology enhance trust and security in AI-driven financial tools when integrating with DeFi platforms to make advice more accessible? Trust is earned—or coded. We’re doing both. Blockchain gives us an unbreakable foundation: transparency, security, and verification without human error or manipulation. When you combine that with AI, you get something radical—a financial system that works for people, not just institutions. And unlike legacy tools, you always see what’s happening, who triggered it, and why. You own your future in every sense. How can the integration of Agentic AI and blockchain be optimized to create user-friendly financial tools that simplify complex concepts? The best technology disappears into the background. Users don’t need to understand tokenization, smart contracts, or yield mechanics—they just need to know they are growing. That is why we built an agentic AI that translates complexity into clarity. Every nudge, notification, and suggestion is personalized, plain-spoken, and actionable. It’s like Waze for your financial life—except it can also teach you to drive. Can you tell us about LumenFiAi and what ProsperBeacon is all about? With LumenFiAi, we are building the backbone of a new financial class. Our flagship product, ProsperBeacon, is designed as a 24/7 AI-powered CFO—an autonomous agent that understands your entire financial picture, learns from your behavior, and actively works to grow your wealth. We have combined behavioral finance, blockchain, and autonomous AI to create something the world has never seen before: an intelligent, trustworthy financial companion for the masses. ProsperBeacon works by assuming nothing. It listens. It explains. It guides. And most importantly, it acts. Whether it’s optimizing a debt plan, flagging a risky spending trend, or automatically allocating your savings, it is built to always work in the best interest of the users. It doesn’t shame you for what you don’t know—it grows with you. How do you plan to scale your product globally despite regulatory challenges? Our mission is global from day one—because financial inequality is global. Whether you are in Kingston or Kinshasa, Manila or Miami, the pain is the same: broken systems, predatory debt, and no one in your corner. You can think of our Agentic AI as a borderless financial brain. It's modular, regulation-aware, and designed to localize itself—adapting to each country’s financial, legal, and behavioral realities. We don’t wait for regulatory green lights; we build compliance into the code. That’s how we move fast and build trust. We’re aligning with forward-looking frameworks like the GENIUS Act, embedding identity verification, tri-bureau credit access, and secure smart-contract logic from the start. But the real magic is this: we turn complexity into clarity for the user—no jargon, no fine print—just results. We see regulation not as an obstacle but as proof we are needed. GENIUS Act Can you share your experience as CEO of LumenFiAi? It is the most rewarding challenge I have ever taken on. Every day, I wake up knowing we are building something that could change the trajectory of someone’s life—not just in theory, but in real, measurable ways. We are not selling features. We are selling freedom. And as CEO, my job is to ensure our technology, our team, and our mission stay aligned with that north star. Any parting words? LumenFiAi is now accepting early access signups. We invite everyone to join us in unlocking financial freedom for millions around the world.

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