The acquisition brings Flourish Fi’s market-proven behavioral loyalty technology into Telos’ AI and fintech practice, helping institutions ship products that drive real behavior change.

BERKELEY, CA — January 2026 — Telos Labs, a digital product studio focused on AI, fintech and social-impact software, today announced the acquisition of Flourish Fi, a behavioral loyalty and financial-engagement platform used by leading financial institutions across the Americas.

The acquisition brings Flourish’s market-proven engagement platform, behavioral data models, and financial-wellness expertise into Telos Labs’ AI, product, and engineering platform, creating a combined offering that helps organizations build software that not only works, but changes people’s lives.

Flourish Fi has been used by dozens of banks and fintechs across the Americas, including PicPay, BancoSol, Carrefour Bank and Pennsylvania Treasury, to increase deposits, improve on-time payments, and strengthen long-term customer relationships. Through partnerships with the Mastercard Center for Inclusive Growth, Flourish has reached hundreds of thousands of people improving their financial resilience.

With Telos Labs’ AI, security, and enterprise-grade delivery capabilities, that market-proven platform will now be scaled and embedded across a broader portfolio of products, enabling more institutions to deploy behavioral engagement and financial-wellness features with speed, compliance, and confidence. Existing Flourish Fi clients will continue to be supported by the same platform and team, now with expanded capabilities through Telos Labs.

As financial institutions accelerate the adoption of AI, many struggle to translate intelligence into sustained customer behavior, especially in regulated environments. The acquisition addresses this gap by pairing behavioral science with enterprise-grade delivery.

Combining Engineering Muscle with Behavioral Intelligence

Flourish Fi was co-founded by Pedro Moura and Jessica Eting to answer a simple but urgent question: why is it so hard for people to build positive money habits, even when they want to? Over eight years and partnerships with more than 25 financial institutions across the Americas, Flourish’s platform has helped hundreds of thousands of people save more, pay bills on time, and build healthier financial lives.

By joining Telos Labs, that market-proven behavioral intelligence is now paired with Telos’ advanced product, engineering, and AI capabilities. Together, the teams will bring this work to more institutions and people, delivering products that help users make better decisions over time. Telos has been a long-time collaborator in Flourish’s journey, making this combination a natural next step in scaling the platform and its impact.

Leadership and Continuity

As part of this next chapter, Pedro Moura, co-founder of Flourish Fi, joins Telos Labs as an Operating Partner, helping steward the Flourish Fi platform and contributing to Telos Labs’ fintech growth and client partnerships.

“Flourish began to help people build better money habits, and that work doesn’t stop here,” said Pedro Moura, co-founder of Flourish Fi. “This transition ensures continuity for our clients, and the behavioral learnings we developed through years of real-world deployment. Telos brings the product rigor, engineering depth, and long-term platform needed for this work to keep growing.”

“Flourish Fi brings a rare combination of behavioral insight and real-world fintech execution,” said Jordan Treviño, CEO of Telos Labs. “We’re excited to build on this foundation—continuing to serve existing clients while integrating these capabilities into the next generation of fintech products we design and deliver. This is a unique acquisition because we are bringing a platform we helped create into Telos. We know the code, the quality and the engineering.”

Looking Ahead

The combined team will bring the next generation of engagement, loyalty, and financial-wellness products to banks, fintechs, and regulated industries. By expanding behavioral engagement across payments, savings, lending, and compliance-driven products, Telos and Flourish will help institutions deploy AI-powered experiences that are effective, scalable, and regulator-ready.

About Telos Labs

Telos Labs is a digital product studio specializing in AI-enabled systems, fintech, and mission-driven technology. The company partners with startups and established organizations to design, build, and scale complex digital products across product strategy, design, and engineering.

About Flourish Fi

Flourish Fi is a behavioral loyalty and engagement platform focused on improving financial health through engagement, incentives, and behavioral science. Its technology has been deployed by banks, fintechs, and credit unions across Latin America and the United States to drive measurable improvements in financial outcomes.