But financial unpreparedness is not just about money – in serious life situations, it can cost time, nerves, and family stability. This is the reality addressed by Czech startup Eterny, which has just closed an investment round of €600,000. The new funding comes from JIC Ventures and Purple Ventures, who are investing an additional €400,000, building on earlier support from angel investors and the Depo Ventures syndicate.
“At Eterny, we see a well-thought-out product that the market lacks – sooner or later, most of us need a clear overview of our assets. The company is led by an experienced founding team headed by Jitka Paterová, and after the Czech market, they are quickly moving into international expansion,” says Jan Staňek, Managing Partner at Purple Ventures.
Its key technological advantage is the combination of AI-powered contract and payment audits, PSD2 data integration, blockchain for continuity, and large language models (LLMs) for clear asset management and future planning.
“Thanks to this mix, Eterny can, for example, detect duplicate payments and unnecessary expenses, alert users to upcoming expirations or unfavourable contracts, and provide access to experts (lawyers, notaries, financial advisors) via an upcoming marketplace”, explains co-founder and CTO Pavel Kučera.
This functionality is designed both for end users and for financial institutions: Eterny is already preparing pilot testing with banks, advisors, and family offices in collaboration with partners.
What will the investment enable? Accelerate the development of the AI auditor, which automatically identifies risks in personal finances, Expand B2B functionality – for banks, employee benefits, and family offices, and Speed up preparation for expansion – with pilot tests in other countries already planned by the end of this year.
According to internal audit data, the average person loses up to CZK 10,000 annually due to hidden fees and inefficient payments, while 90% of users lack digital continuity or an estate plan. Globally, the figure reaches USD 300 billion in lapsed assets – plus crypto that becomes unrecoverable.
In its first months, Eterny attracted over 4,000 users and, in spring 2025, succeeded in several competitions: Fintech Roadmap 25ʼ, Microsoft Challenge, Fintechers Hackathon, and also received the Product Innovation award at the Mastercard Fintech Forum Vienna
“These wins are not just about marketing; they confirm that our solution has real impact and institutional credibility. And collaboration with banks, insurers, and experts is key to changing the way people think about their assets,“ says Jitka Paterová, founder & CEO.
“We decided to invest in Eterny primarily because of the founder – her experience, drive, and ability to think globally really impressed us. The product has enormous potential to succeed worldwide, and the team is exactly the kind of people we trust to make it happen,” says Radim Kocourek, JIC Ventures.
In 2026, Eterny plans to expand to new markets, specifically Ireland and the USA, where the problem of unclear personal assets, obligations, and lack of crisis preparedness is even more pressing than in the Czech Republic.
