Household Intelligence Network

You see what's inside your walls.
We see what's leaving them.

ARENYEN is the shared intelligence layer that tells community banks and credit unions — before it happens — which households are about to move their deposits, fragment their finances, or transfer their wealth to a competitor.

Request Founding Institution Access → See how it works
Built for $500M–$5B Institutions
Privacy-Preserving Architecture
No Raw Data Leaves Your Institution
app.arenyen.com/dashboard
ARENYEN Executive Dashboard
⚠️
$312M at risk
847 households · gen. transfer window
$124T
Generational wealth transfer underwayLargest in history
87%
Of heirs plan to leave their parents' bankBefore the transfer closes
4.2+
Financial providers per householdRising every quarter
About ARENYEN

The intelligence layer community banking has been missing.

Community banks are losing customers they don't know they've lost. By the time the data shows deposit flight, wallet share leakage, or household fragmentation — the money is already gone and the relationship is already broken.

ARENYEN uses privacy-preserving federated learning to build a shared behavioral intelligence network across participating institutions. You contribute anonymized signals. You receive network-level predictive models that no single institution could build alone.

$124T
Wealth transferring to heirs by 2048
87%
Of heirs plan to leave their parents' bank
2×
Deposit sensitivity since 2021
4.2+
Financial providers per household
Network Benchmark Report
#12
of 847 institutions
📊
Alert Center
CDO Dashboard
Intelligence Modules

Five signals.
One network.
Zero guesswork.

01
Deposit Flight Risk
Know which households are about to move their primary deposits — 30, 60, and 90 days before they do.
02
Wallet Share Leakage
Understand what percentage of each household's financial activity is happening at your competitors.
03
Household Fragmentation
Track when households split across more providers — and intervene before you become the minority relationship.
04
Wealth Outflow Risk
Identify investable assets migrating out of your products before the CD matures or the IRA rolls.
05
Generational Transfer Timing
Surface households in the 90-day window before a wealth transfer — the only time you can win the heir relationship.
How It Works

From signal to insight in 30 days.

No core banking integration required for the entry tier. Your compliance team will approve it.

1
Join the Network
Connect through a read-only federated learning node. 30-day implementation. No core banking integration required to start.
2
Contribute Anonymized Signals
ARENYEN extracts behavioral patterns — not personal data, not account numbers. Model weights only. GLBA compliant by architecture.
3
Receive Network Intelligence
Your dashboard populates with risk scores, peer benchmarks, and intervention recommendations — updated continuously.
Your Data Never Leaves — ARENYEN Privacy Architecture
Platform

The ARENYEN Intelligence Platform

Role-based views for CEOs, Chief Deposit Officers, and CROs — each seeing exactly what they need to act.

Module 01
Deposit Flight Risk
Predictive scoring 30, 60, and 90 days in advance — before the ACH transfer initiates.
Predictive
Module 02
Wallet Share Leakage
Cross-institutional signals reveal what percentage of each household's finances has migrated to competitors.
Competitive
Module 03
Household Fragmentation
Track households adding financial providers — the leading indicator of eventual primary relationship loss.
Behavioral
Module 04
Wealth Outflow Risk
Identify CD clusters approaching maturity with no renewal signals and IRA assets approaching rollover.
Retention
Module 05
Generational Transfer
Surface the 90-day window before a household wealth transfer — your only opportunity to win the heir relationship.
Generational
🕸
Network Benchmark
See your institution's position across all 5 modules vs. 847+ network peers.
Alert Center — Real-Time Risk Signals
Alert Center
Network Benchmark Report
Benchmark
Risk Intelligence Dashboard — CDO View
CDO Dashboard
Role-Based Access — CEO & CDO Views
Role Selection
Founding Access

Choose Your Entry Point

ARENYEN is accepting 10 founding institutions. Founding pricing will not be offered again at these levels.

Pilot
$30K
per year · entry tier
  • Deposit Flight Risk Dashboard only
  • 30-day implementation
  • No core banking integration required
  • Peer benchmark access (limited)
  • 12-month contract
  • Dedicated onboarding support
Get Started →
FOUNDING
Growth
$60K
per year · full network
  • All 5 intelligence modules
  • Full network participation
  • 60-day implementation
  • Full benchmark report + alert center
  • Intervention recommendations
  • 12-month minimum contract
Apply for Founding Access →
Network
Custom
co-development partnership
  • Everything in Growth
  • Founding institution designation
  • Co-branded case study rights
  • Early access to new modules
  • Executive product advisory seat
  • Custom contract terms
Contact Us →
FAQs

Common Questions

How does ARENYEN protect customer privacy? +
ARENYEN uses federated learning — your raw customer data never leaves your institution. The system extracts model weights, not records. No personal information, account numbers, or transaction data is ever transmitted. The architecture is designed to comply with GLBA and applicable state privacy laws.
How long does implementation take? +
The entry tier (Deposit Flight Risk Dashboard) deploys in 30 days with no core banking integration required. The full Growth tier, which includes all 5 modules and full network participation, deploys in 60 days. The Network tier timeline is custom depending on scope.
What size institutions does ARENYEN serve? +
ARENYEN is purpose-built for community banks and credit unions with $500M to $5B in assets. This segment has the relationship depth to act on intelligence, the deposit concentration risk to make the product immediately valuable, and the resource constraints that make cross-institutional intelligence sharing more attractive than building internally.
What does "founding institution" mean? +
ARENYEN is accepting a cohort of 10 founding institutions who will receive preferred pricing, direct input into the product roadmap, co-branded case study rights, and founding member designation. These terms will not be available after the founding cohort closes.
Is ARENYEN a regulated financial institution? +
No. ARENYEN is a technology company that provides intelligence software to financial institutions. We do not hold deposits, provide banking services, or have access to customer funds. We are an analytics and intelligence layer, not a financial institution.
How accurate are the predictive models? +
Federated learning architectures applied to multi-institutional financial data have demonstrated 99.8%+ accuracy in comparable applications including financial crime detection. ARENYEN's models improve continuously as more institutions join the network — which is why founding institution participation is strategically valuable.
Still have questions?
We'll spend 30 minutes understanding your current deposit retention challenge and walking you through what ARENYEN's intelligence would show about your book of business. No deck. No pressure.
Schedule a Founder Conversation →
Founding Cohort · 10 Institutions

Become a Founding Institution.

ARENYEN is accepting applications from a founding cohort of 10 community banks and credit unions. There are no obligations at this stage — only a conversation.

Apply for Founding Access →
Or email us directly at hello@arenyen.com
SOC 2 Compliant Architecture
Built for $500M–$5B Institutions
Federated Learning Infrastructure
No Raw Data Leaves Your Institution