内容来源：https://techcrunch.com/2025/10/03/with-its-latest-acqui-hire-openai-is-doubling-down-on-personalized-consumer-ai/

内容总结：

人工智能巨头OpenAI近日完成对个人理财应用Roi的收购，但其四名员工中仅有联合创始人兼首席执行官苏吉斯·维什瓦吉斯一人随收购加入。这已是OpenAI今年继Context.ai、Crossing Minds和Alex之后，第四起以吸纳人才为核心的并购交易。

成立于2022年的Roi专注于通过人工智能技术整合用户的股票、加密货币、房地产等多元化资产，提供个性化投资建议。其核心团队曾成功打造能理解用户语言风格、具备拟人化交互能力的金融助手，例如当用户要求“用Z世代网络用语吐槽”时，系统会以“老弟你亏麻了”等个性化表达反馈账户损益。

业内人士分析，此次收购凸显OpenAI正加速布局个性化生活管理赛道。目前该公司已推出智能新闻摘要Pulse、短视频应用Sora及即时购物功能Instant Checkout等消费级产品，前InstacartCEO菲吉·西莫领衔的消费应用团队持续扩容。维什瓦吉斯在Airbnb任职期间曾通过25行代码优化创造超千万美元收益，这类商业化经验正是OpenAI亟需的——在每年投入数十亿美元建设算力基础设施的背景下，提升消费端变现能力显得尤为关键。

按计划，Roi将于10月15日正式终止服务。尽管具体交易条款未披露，但这场并购印证了维什瓦吉斯的前瞻判断：“个性化不仅是金融科技的未来，更是整个软件行业的进化方向。”

（注：已剔除原文中关于科技大会的推广内容，严格遵循新闻报道的客观性要求）

中文翻译：

OpenAI宣布收购人工智能个人理财应用Roi。与近期AI行业趋势一致，此次收购仅有该公司首席执行官一人选择加入新团队。

该公司联合创始人兼首席执行官苏吉斯·维什瓦吉斯周五宣布了这笔交易，一位知情人士向TechCrunch透露，他是Roi四名员工中唯一加入OpenAI的成员。交易条款未对外披露。该公司将逐步停止运营，并于10月15日起终止客户服务。

此次收购是OpenAI今年实施的一系列人才并购的最新案例，此前已收购Context.ai、Crossing Minds和Alex等公司。

虽然目前尚不清楚Roi的技术是否会转移至OpenAI，也不确定维什瓦吉斯将加入哪个部门，但此次收购显然符合OpenAI将个性化与生活管理视为下一代AI产品核心的战略布局。Roi带来的专业团队曾尝试大规模解决金融领域的个性化难题——其经验教训具有更广泛的适用价值。

根据PitchBook数据，总部位于纽约的Roi成立于2022年，已从巴拉克·斯里尼瓦桑、Spark Capital、Gradient Ventures和Spacecadet Ventures等投资者处获得360万美元早期融资。其使命是将用户的股票、加密货币、DeFi、房地产和NFT等金融资产整合至单一应用，实现资金追踪、洞察分析和智能交易辅助。

"三年前我们创立Roi，旨在通过打造极致个性化的金融体验让投资普惠大众。"维什瓦吉斯在X平台发文称，"实践中我们发现，个性化不仅是金融的未来，更是整个软件产业的未来。"

除交易追踪外，Roi还为用户配备精通金融的AI助手，该助手能根据用户特征进行智能应答。注册时用户可通过输入职业背景、偏好交流方式等信息实现个性化定制。

在Roi发布于X平台的典型案例中，模拟用户要求："用Z世代网络废宅的说话方式，字数越少越好，随便吐槽我没关系"。当查询投资组合状况时，Roi回应："小老弟你被割韭菜了喂。关税政策让你今天血亏32,459.12美元...按你的风险偏好，这波抄底机会不考虑下？"

这段对话凸显了Roi及其联合创始人的核心理念——软件不应仅提供标准化答案，而应通过个性化、拟人化的交互方式实现自适应学习，持续提升用户参与度。

正如Roi团队在博文中所述："日常使用的产品将不再是静态预设体验，它们将进化为理解我们、向我们学习、与我们共同成长的深度个性化伙伴。"

这一愿景与OpenAI现有消费者业务形成战略协同：睡眠个性化报告生成应用Pulse、充满AI生成内容（包括用户定制形象）的短视频应用Sora、以及支持在ChatGPT内直接购物的Instant Checkout功能。

此次交易正值OpenAI扩充其消费者应用团队之际，该部门由前Instacart首席执行官菲吉·西莫领导。这进一步表明OpenAI不仅致力于API服务，更着力构建终端用户应用生态。Roi的技术人才将有效赋能这些应用，增强其自适应能力。

维什瓦吉斯与联合创始人奇普·戴维斯曾供职Airbnb，期间擅长通过优化用户行为提升营收。据其称，仅修改25行代码就实现超千万美元增量收益。

对持续耗资数十亿美元建设数据中心与模型基础设施的OpenAI而言，通过消费者应用获取实质性营收正变得愈发重要。

英文来源：

OpenAI has acquired Roi, an AI-powered personal finance app. In keeping with a recent trend in the AI industry, only the CEO is making the jump.
Chief executive and co-founder Sujith Vishwajith announced the acquisition on Friday, and a source familiar with the matter told TechCrunch he is the only one of Roi’s four-person staff to join OpenAI. Terms of the deal were not disclosed. The company will wind down operations and end its service to customers on October 15.
The Roi deal marks the latest in a string of acqui-hires from OpenAI this year, including Context.ai, Crossing Minds, and Alex.
While it’s not clear whether any of Roi’s technology will transfer over to OpenAI or which unit Vishwajith will join, the acquisition clearly aligns with OpenAI’s bet on personalization and life management as the next layer of AI products. Roi brings a specialized team that has already tried to solve personalization in finance at scale — a challenge whose lessons can be applied more broadly.
New York-based Roi was founded in 2022 and has raised $3.6 million in early-stage funding from investors like Balaji Srinivasan, Spark Capital, Gradient Ventures, and Spacecadet Ventures, according to PitchBook data. Its mission was to aggregate a user’s financial footprint, including stocks, crypto, DeFi, real-estate, and NFTs, into one app that can track funds, provide insights, and help people make trades.
“We started Roi 3 years ago to make investing accessible to everyone by building the most personalized financial experience,” Vishwajith wrote in a post on X. “Along the way we realized personalization isn’t just the future of finance. It’s the future of software.”
Beyond tracking trades, Roi gave users access to a financially savvy AI companion that responded in ways that made sense for them. When signing up, users could personalize Roi by providing information like what they do for a living and how they wanted Roi to respond to them.
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In one telling example that Roi posted on X, the sample user wrote: “Talk to me like I’m a Gen-Z kid with brain rot. Use as little words as possible and roast me as much as you want I don’t mind.” In response to a query about the status of the user’s portfolio, Roi replied: “Suje, you got cooked lil bro. Cause of the tariff announcements, you took an L today of $32,459.12…Based on your risk preference this might be an opportunity to buy the dip.”
The exchange highlights the philosophy behind Roi and its co-founder — that software shouldn’t just provide generic answers but should adapt, learn, and communicate in ways that feel personal, human, and most importantly, keep you engaged.
As the Roi team wrote in a blog post: “The products we use every day won’t remain static, predetermined experiences. They’ll become adaptive, deeply personal companions that understand us, learn from us, and evolve with us.”
That vision dovetails with OpenAI’s existing consumer efforts, including Pulse, which generates personalized news and content reports for users as they sleep; the Sora app, a TikTok competitor filled with AI-generated content, including personal cameos from users; and Instant Checkout, a feature that lets users shop and make purchases directly in ChatGPT.
The deal also comes as OpenAI beefs up its consumer applications team, led by former Instacart CEO Fidji Simo. It’s a further signal that OpenAI isn’t just trying to be an API provider, but wants to build its own end-user apps. Roi’s talent and tech could slot right into these apps and help make them more adaptive.
Vishwajith, alongside his co-founder Chip Davis, used to work at Airbnb, where he developed a knack for optimizing user behavior to drive revenue. By his account, a simple change of 25 lines of code led to $10+ million in additional cash.
Being able to bring in meaningful revenue via consumer apps is more important than ever to OpenAI as it continues to burn through billions on data centers and infrastructure to power its models.