Building the first AI-native wealth institution for the mass affluent. Air Street Capital is investing in Clove’s $14M first financing round, backing a new kind of wealth institution built for this generation rather than the last. Clove’s founders, Christian Owens and Alex Loizou, see this gap not as an inevitability but as a result of infrastructure that was never built for the modern consumer. With Clove, they are creating a new kind of financial institution, one designed from the ground up for people who want trustworthy guidance but have been priced out or ignored by traditional services. Their platform brings together regulated human advisors with an AI-first environment that handles the repetitive and compliance heavy processes which dominate advisory work today. By removing friction and expanding advisor capacity, Clove can deliver high quality personalised guidance at a scale that has not been possible before.