Silvia Achieves Outperformance Against Frontier AI Models on Key Personal Finance Topics, Including Tax, Mortgage, and Credit Card Topics

NEW YORK--(BUSINESS WIRE)--Sep 21, 2026--

ProCap Financial, Inc. (Nasdaq: BRR) (the “Company”), the first publicly traded agentic finance firm, today announced that Silvia, its AI agent lab exclusively focused on finance, has achieved industry-leading performance, outperforming frontier AI models evaluated on important personal finance topics including tax, mortgage, and credit cards.

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Over the past six months, Silvia’s engineering team rebuilt its technology stack to own its own intelligence rather than rely on off-the-shelf, generic AI tools. The result is a custom system optimized exclusively for personal finance use cases, delivering higher accuracy, primary-source citations, faster response times, and lower costs.

Key results include:

The proprietary technology stack consists of three core components:

“Our mission is to help independent investors make money. By owning our own intelligence, we can deliver a meaningfully better product experience that is both more accurate and more efficient,” said Anthony Pompliano, Chairman and CEO of ProCap Financial, Inc. (soon to be Silvia, Inc.). “We are not trying to be the best at everything. We are laser-focused on being the best at personal finance. Similar to Bitcoin’s ‘not your keys, not your coins’ ethos, the AI industry is learning ‘not your weights, not your intelligence.’”

Silvia began as a ChatGPT wrapper approximately 18 months ago and has since transitioned into a leading AI research lab focused exclusively on finance. The Company believes that superior performance and lower costs will drive more organizations to own their own intelligence over time. Finance organizations interested in similar capabilities are invited to contact the Company.

As previously announced, the Company’s corporate name is expected to change to Silvia, Inc., with its common stock and warrants beginning to trade under the ticker symbols “SVIA” and “SVIAW,” respectively, effective at market open on September 22, 2026.

About ProCap Financial

ProCap Financial, Inc. is the first publicly traded agentic finance firm. The Company’s mission is to help independent investors make money. Products include Silvia, an AI agent lab exclusively focused on finance. Founded in 2025, the Company raised more than $750 million from leading investors and is traded on Nasdaq under the symbol BRR. Visit www.procapfinancial.com for more information. The Company’s website is expected to transition to www.silvia.com.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding the performance of Silvia’s technology, expected benefits of owning proprietary intelligence, the anticipated name and ticker changes, and the Company’s strategy. These statements are based on current expectations and are subject to various risks and uncertainties that could cause actual results to differ materially. Such risks include those described under “Risk Factors” in the Company’s most recent SEC filings. We caution readers not to place undue reliance on forward-looking statements, which reflect our views only as of the date of this release. We undertake no obligation to update such statements, except as required by law.

Not Advice

The research and benchmark results described in this release are for informational purposes only and do not constitute tax, legal, investment, mortgage, credit card, or accounting advice. Silvia does not provide tax, legal, investment, accounting, or lending advice, and is not a lender, mortgage broker, or credit card issuer. Silvia may receive compensation from certain lenders, card issuers, or other financial institutions when users apply for or open products through links on the Silvia platform. Compensation did not influence benchmark design, scoring, or results, and benchmark results are not an endorsement of any specific lender, issuer, or product. Users should consult a qualified professional regarding their individual circumstances.

Benchmarks

Benchmark results are based on internal benchmarks conducted by Silvia evaluating seven AI products across expert-level scenarios in three subject areas: (1) U.S. federal tax law and the tax codes of California, Texas, New York, North Carolina, and Florida; (2) U.S. residential mortgage topics; and (3) U.S. consumer credit card topics. The benchmarks were designed and administered by ProCap Financial, Inc. and are not independent third-party rankings. Results reflect model performance as of each test date under controlled conditions; AI model performance changes over time, and results may not reflect performance on other topics, jurisdictions, loan products, card products, lenders, issuers, or question types, or in any individual user's circumstances. Full methodology, evaluation questions, and results are publicly available on Hugging Face at the links below. Response time, cost per question, user rating, and monthly active user figures referenced in this release are based on the Company's internal, unaudited data for the periods indicated and are subject to change.

Silvia: https://huggingface.co/cfosilvia
Tax: https://huggingface.co/datasets/cfosilvia/silvia-tax-bench
Credit Card: https://huggingface.co/datasets/cfosilvia/silvia-creditcard-bench
Mortgage: https://huggingface.co/datasets/cfosilvia/silvia-mortgage-bench

Silvia Achieves Outperformance Against Frontier AI Models on Key Personal Finance Topics, Including Tax, Mortgage, and Credit Card Topics

NEW YORK (AP) — U.S. stocks are climbing with markets worldwide on Monday after oil prices and yields in the bond market gave back some of their jumps from last week.

The S&P 500 rose 0.6% and pulled back within 1.3% of its all-time high set last month. The Dow Jones Industrial Average was up 224 points, or 0.4%, as of 9:35 a.m. Eastern time, and the Nasdaq composite was 0.8% higher.

They got some help from the price for a barrel of Brent oil falling 3.1% to $100.62. While that’s still much higher than its roughly $72 price from earlier this summer, it’s down from the nearly $110 it touched last week.

Oil prices are swinging up and down as some crude from the Middle East is able to sail through the Strait of Hormuz, though nowhere close to as much as the industry and customers would like because of the war with Iran. Morgan Stanley’s Michael Wilson said another swing higher in prices for oil, gasoline and other refined products is the main risk he sees in the near term that could keep the U.S. stock market from rising to his forecast for the year’s end.

The average price for a gallon of regular gasoline across the United States has already climbed to nearly $4.48, according to AAA. That's up from less than $4.32 just a week earlier and from $3.18 a year ago.

Monday’s pullback in oil prices helped lower the pressure coming from the bond market. The yield on the 10-year Treasury eased to 4.96% from 5.01% late Friday after it crossed above the 5% threshold last week for the first time in three years.

Higher yields slow the economy by making it more expensive to borrow money, hurting not just the U.S. government that has to borrow to pay its bills but also U.S. households and businesses.

Worries of course remain about how much oil is available for customers worldwide, ING commodities strategists Ewa Manthey and Warren Patterson wrote in a commentary on Monday. However, they said profit-taking by investors after the recent jump in oil prices, together with hopes for constructive discussions at this week’s U.N. General Assembly and at a meeting between China’s and the United States’ leaders, helped improve market sentiment.

Treasury Secretary Scott Bessent told reporters following talks Sunday with Chinese Vice Premier He Lifeng in New York that the U.S. had “a very successful engagement” with the Chinese side. Bessent said talks with China touched on trade and AI. China and the United States have been discussing reciprocal tariff reductions on $30 billion worth of goods from each side.

In Beijing, China’s Foreign Ministry on Monday confirmed that Xi Jinping will pay a state visit to the U.S. between Sept. 23 and 25. Experts and policymakers believe trade, tariffs, AI safety, among other items, are likely to be on the agenda. The war in Iran and developments in the Middle East and ties between China and Iran could also be discussed.

On Wall Street, stocks in the artificial-intelligence industry continue to stabilize following their worldwide slide at the start of last week. Leaders of the AI industry have recently warned a slowdown is needed in the industry’s development for the safety of humanity.

Advanced Micro Devices climbed 4.8%, while Nvidia added 0.4%.

Stocks enmeshed in the cryptocurrency industry, meanwhile, rallied after bitcoin's price rose back above $85,000 and returned to where it was in January. Coinbase Global jumped 5.4%, and Robinhood Markets rose 2.8%.

Stock indexes around the world also climbed thanks to the easing of oil prices and bond yields. Indexes gained 1% in France, 1.2% in Hong Kong and 1.6% in South Korea.

AP Business Writers Chan Ho-him and Michelle Chapman contributed to this report.

Traders work on the floor at the New York Stock Exchange in New York, Wednesday, Sept. 16, 2026. (AP Photo/Seth Wenig)

Currency traders work near a screen showing the Korea Composite Stock Price Index (KOSPI) in the foreign exchange dealing room at the Hana Bank headquarters in Seoul, South Korea, Monday, Sept. 21, 2026. (AP Photo/Ahn Young-joon)

Currency traders work in the foreign exchange dealing room at the Hana Bank headquarters in Seoul, South Korea, Monday, Sept. 21, 2026. (AP Photo/Ahn Young-joon)

A screen shows the Korea Composite Stock Price Index (KOSPI) in the foreign exchange dealing room at the Hana Bank headquarters in Seoul, South Korea, Monday, Sept. 21, 2026. (AP Photo/Ahn Young-joon)