Billuminate provides verified knowledge infrastructure for financial services, using AI agents that answer customer questions from a curated, human-approved knowledge layer. The platform covers company-specific information, published content, and general financial knowledge that no single company publishes, with every claim traceable to a source. It delivers answers across chat, email, and voice channels while measuring answer quality through an independent judge model.
Funding
Funding not disclosed
Founders
Product
Problem
Most financial services companies do not answer customers digitally, and those that do rely on rigid, menu-based bots that escalate anything complex to humans. Even advanced language models answer only from what a company has published itself, which runs out when customers ask about external topics like what a payment remark does or how a credit check appears years later. Left to fill that gap, a language model guesses, which is a risk regulated companies cannot take.
Solution
Billuminate builds AI agents that answer from a verified knowledge layer (VKL), combining a company's own content with general financial knowledge that no single company publishes. Every article in the knowledge layer is written and approved by an industry expert before it can be served, and every answer includes sources that a person has verified. The platform delivers answers in a company's own channels—chat today, with email and voice next—and scores each answer with an independent judge model against a human-written reference. When the basis for an answer is missing, the agent says so and hands over rather than inventing information. The system honors robots.txt, holds all data within the EU, and offers 48-hour takedown for content and logos.
Target Audience
Primary customers are regulated financial services companies including consumer credit providers, debt collection agencies, and credit bureaus that need accurate, defensible answers to complex customer questions.
Features
- Verified knowledge layer covering company-specific content, published materials, and general financial knowledge, with four in ten answers drawing on the external layer
- Every answer scored by an independent judge model against a human-written reference, with 92% of claims carried by a retrieved source
- Source-grounded responses that explicitly state when no basis exists, with no fallback to open internet or invented rates
- Multi-channel delivery supporting chat, email, and voice, with 50 languages served from the same verified source
- Industry-specific solutions for consumer credit, debt collection, and credit bureaus, covering mortgages, payment remarks, scores, and consumer rights
- EU data residency with GDPR-compliant processing agreements and no cookies or tracking scripts on the platform