Cozmo AI offers a multimodal AI operating system that unifies voice, chat, and document interactions into a single, governed workflow for regulated financial institutions. Its platform combines vision and speech AI with a policy‑driven reasoning engine and an Agent Protocol Engine to enforce compliance, provide real‑time context continuity, and generate audit‑ready decision logs across core banking, insurance, and fintech systems.
Funding
$1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Enterprises in regulated sectors (banking, insurance, fintech) struggle with fragmented customer interactions: voice calls, chat, email, and document uploads reside in separate systems, requiring manual handoffs, duplicate data entry, and ad‑hoc decision logic that cannot guarantee compliance or auditability.
Solution
Cozmo AI delivers a multimodal AI operating system that turns these disparate touchpoints into a single, governed workflow. The platform combines vision (document and video analysis), speech (real‑time, sub‑300 ms multilingual voice), and a policy‑driven reasoning engine to interpret intent, apply regulatory rules, and execute actions directly in core business systems. All agents share a persistent, structured state, enabling end‑to‑end traceability, real‑time context continuity across channels, and automatic generation of audit‑ready decision logs. The Agent Protocol Engine orchestrates multiple AI employees, enforces permissions, and ensures every action is explainable and compliant.
Target Audience
The primary customers are regulated financial services organizations—banks, insurers, and fintech firms—that need automated, compliant handling of voice, chat, and document‑heavy workflows such as claims processing, collections, loan underwriting, and customer support.
Features
- Vision AI that extracts structured data from photos, videos, PDFs and links it to the appropriate record in real time.
- Speech AI supporting 100+ languages and dialects with sub‑300 ms latency, barge‑in handling, and sentiment‑aware tone modulation.
- Policy‑driven reasoning layer that executes enterprise rule sets, thresholds, and approval workflows deterministically across all channels.
- Agent Protocol Engine (APE) for multi‑agent orchestration, shared state management, and enforced governance safeguards.
- Native integrations with CRMs, policy administration, core banking, claims and collections platforms for read/write actions without manual re‑keying.
- End‑to‑end audit trail that records every input, rule evaluation, and system update, with token‑level PII redaction and role‑based access controls.
- Continuous observability dashboards showing latency, uptime, compliance pass rates, and fairness metrics across languages and regions.
- Self‑documenting skill framework allowing AI employees to learn and reuse capabilities across future interactions.