Tamara Kostova

After years of building digital investing platforms across multiple markets, I’ve come to believe that financial wellbeing in the age of AI requires more than access or financial literacy. It requires systems that build confidence and earn trust.

As trillions sit idle in deposits and participation in capital markets remains structurally low, it is clear that financial wellbeing is not achieved through access alone. It requires confidence infrastructure — and AI finally enables it at scale.

I build that infrastructure.

As Founder & CEO of AllVesta, I am developing the AI experience layer that helps financial institutions convert retail savers into confident long-term investors.

Across markets, the challenge is not product availability — it is activation, behavioural guidance and sustained engagement. My work sits at the intersection of financial literacy, system design and AI-driven confidence building.

Previously, as Founder & CEO of Velexa (a WealthTech100 company), I led the business from idea to international scale, partnering with financial institutions across Europe, the US, Asia and the Middle East to expand access to modern digital investing infrastructure.

That experience reinforced my conviction: access alone does not create participation. Confidence does.

Alongside building AllVesta, I advise and mentor founders and executives shaping the future of financial services. I am an active member of European Women on Boards, engaging in board-level dialogue on governance and long-term value creation.