White-label AI agents for financial firms

Your customers are already using chatbots every day for financial questions.

But right now, those conversations are happening outside your walls, outside your brand, and outside your control. We provide a unique platform that changes the equation.

VERU 365 specialized agents engage your clients and prospects, educate them with expert grade content, and hand them off to your financial representatives at the moment of intent. White-labeled to your firm. Compliance-first.

1940 Act educational White-label, embeds in your site Biometric IDV + Auth0 + Plaid + broker-dealer APIs

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Castlebrook Wealth

Live

Hi — I’m Castlebrook’s Markets agent. Try one of the questions below to see how this works on a firm’s site.

Try a conversation:

Built around our three principles.

Privacy– Users own their data and remain anonymous until they decide what to share and with whom.

Security– Before a user can enter the platform, biometric identity verification is required.

Money is fungible– Money moves to where it is treated well.

In conversations for our beta cohort with wealth advisors, hedge funds, CPA firms, banks, credit unions, insurance agencies, municipalities and large employer groups- virtually anyone that has a vested interested in their constituencies financial welfare.

Vanguard & Meridian Wealth Counsel · Crestview Private Wealth Partners · Aegis Capital Advisory · Blackwood Quantitative Ltd. · Obsidian Macro Fund · Echelon Alpha Partners · Sterling, Vance & Albright, CPAs · Summit Financial Assurance Group · Beacon Tax & Advisory LLC · Ironwood Commercial Bank · Provident Maritime Bank · Apex Trust & Savings · Horizon Community Credit Union · TrueNorth Federal Credit Union · Beacon Alliance Credit Union · Sentinel Mutual Assurance · Bridgeport Risk & Underwriting · Highlands Casualty Group · The Township of Oakridge · City of Silver Creek · The Borough of Westbury · Vanguard Global Logistics · OmniCorp Health Systems · Integra Aerospace Holdings · Cascade Manufacturing Corp

Agents

Relationships That Never Sleep

An AI platform that transforms how financial clients engage with the institutions they trust — deeper, smarter, always on. We’ve designed this system to connect daily digital education with the highly regulated human expertise that users eventually require.

Our AI agents function as a cohesive team specializing in financial planning, stock market investment strategies, and tax optimization. Designed to be both educational and engaging, the platform ensures that complex financial concepts are accessible and fun to explore.

With user consent, VERU|365 provides an AI-generated summary to a licensed representative. This seamless transition eliminates the need to repeat your personal circumstances and ensures that both the client and the firm’s advisor can optimize their time effectively from the very first meeting.

The platform

Three specialized agents. One trusted handoff.

Each agent is trained for a specific kind of conversation and bounded by the same compliance logic. They explain. They never recommend. They know when to step back and bring in your advisor.

Markets

For the visitor who wants their position decoded, not their hand held. Comfortable with complexity. Talks in concrete numbers.

Why did AAPL drop 4% on the print?

The miss was in hardware. Services held up. The reaction is about the services-revenue guide, which is what the multiple has been pricing.

Walk me through “services-revenue mix.”

Subscription dollars vs. hardware dollars. Higher mix = higher multiple. AAPL has been compressing that ratio for two quarters.

Trained on

Hedge-fund-manager-grade market commentary, public filings, and decades of working investment-advisory content.

Planning

A CFP®-trained companion that walks visitors through the questions they used to wait three weeks for an appointment to ask.

Roth or Traditional this year?

Two questions decide it: your bracket now vs. retirement, and whether you expect rates to rise. The first matters more.

Walk me through both.

Sure. Roughly — where does your taxable income land this year?

Trained on

Real conversations with Certified Financial Planners and licensed planning content from authorities your CCO already trusts.

Wealth Transfer

Built for the conversations that the rest of the industry has historically not been built for. Calm, direct, doesn’t tiptoe.

I just inherited a portfolio I didn’t build.

Common starting point. The most common mistake isn’t financial — it’s acting in the first thirty days because the people around you ask you to.

I keep being told I have to act fast.

By whom — the people charging fees on the action? The financial decisions can wait. The first move is usually one view of everything.

Trained on

Detailed surveys, licensed CFP® content, and awareness sessions from YPO, UBS, and our own consumer focus groups — informed throughout by women advisors.

Handoff

The Core Routing Architecture

A highly secure, deterministic five-layer platform designed to safely bridge natural language AI interaction with licensed enterprise infrastructure.

User Chat Initiated

Guardrail & Classification Layer

PII Masking • Toxicity Detection • Initial Intent Triage

Contextual Grounding Layer (RAG)

Vector DB Syncing • Internal Knowledge Base Parsing • System Policy Audits

Deterministic Evaluation Layer

State Machine Integrity Check • Regulatory Threshold Gates

Payload Generation & Handoff Middleware

Executive Synthesis Compiling • Licensed Geo-Tag Asset Matching

Live Licensed Human CRM / Desktop

01 / The Intent & Guardrail Layer

The microsecond a customer enters a complicated financial inquiry, the raw text payload undergoes real-time asynchronous evaluation before hitting any core cloud processing engines.

Action: Redacts or masks unauthorized PII (Personally Identifiable Information) instantly to ensure baseline infrastructure privacy.
Classification: Structural routing engines verify if queries map to a General tier (e.g., standard business operations) or an Advisory domain.

INGRESS FILTER PIPELINE

Incoming String Evaluation:

“How should I structure my 401k allocation given the new tax brackets? My SSN is…”

✓ PII Neutralized & Triage Routines Initialized

02 / Contextual Grounding (RAG)

To maximize self-service securely, optimized agents extract exact context from closed-loop architectures prior to initiating a human connection phase.

Action: Safely cross-references vector storage housings with compliance-verified data structures, policy metrics, and federal definitions.
The Threshold Rule: If subsequent follow-ups require dedicated asset opinions or individual investment direction, automated escalation rules execute instantly.

⚠️ COMPLIANCE TRIGGER INTERCEPTED

If the agent flags active requests for execution paths (e.g., “Make that asset trade right now”), execution halts. The system natively offers scheduling parameters and transfers the pre-authenticated user session seamlessly.

03 / The Deterministic State Machine

Crucial Rule: LLMs must never determine webhooks independently. Instead, they format intent metadata schemas for processing by rigid internal state layers.

Engine Integrity: Applications run generated payloads against rigid backend servers (Python, Node.js, or core enterprise stacks).
Type-Safe Auditing: Guarantees regulatory state routing and FINRA boundary compliance before live agent environments activate.

{
  "intent": "investment_reallocation",
  "licensing_required": true,
  "license_type": "FINRA_Series_7",
  "user_state": "CA",
  "urgency_score": 0.85
}

04 / Payload Synthesis & The “Warm Handoff”

Upon verifying that licensing metrics match security standards, system modules synthesize the primary user dialogue into an easily readable overview block for your internal platforms (Salesforce Omni-Channel, Genesys, Twilio Flex).

Summary Protocols: Eliminates overwhelming data logs by passing condensed bullet summaries to human staff members instantly.
Efficiency Optimizations: Professionals skip context re-evaluation, executing immediate advisory handoffs from the opening moment.

AGENT EXECUTIVE SUMMARY PRE-HANDOFF

Context: User is inquiring about rolling over an old 401(k) into a traditional IRA.

Complication: Concerned about immediate tax penalties for early withdrawal.

Verification Status: User is pre-authenticated; lives in California.

05 / Geo-Targeted & License-Based Routing

Middleware loops verify system schemas directly against internal employee direct-access databases, pinpointing proper cross-functional staff placement instantly.

The Matching Logic: Ensures targeted distribution criteria by validating state profiles against specific regulatory rule sets.
UI Transformations: Transitions active visual interfaces gracefully to specific partner scheduling modules or operational live chats.

Status: Active ∧ License: Series 7 ∧ Jurisdiction: CA

“I have scheduled a meeting with our licensed representative. They will have your information and questions fully prepared for your call.”

Firms

The Firm Challenge: Scaling Private, Intelligent Conversations

Bridging the critical gap between mass digital financial literacy and secure, structured enterprise-grade human advisory networks.

THE DIRTY SECRET: financial plans are obsolete upon delivery.

Traditional financial planning is built around a snapshot of where your money sits on a single day. But real life is a constantly moving picture. Static plans break the moment a life curveball—like a job loss, an unexpected health crisis, or a market crash—hits.

Financial institutions cannot scale 24/7 personalized advice to every member. At the same time consumers are increasingly seeking answers from generic large language models instead of their trusted advisor. Relying on these public bots is risky. They lack personal context, they can hallucinate financial facts, and they expose sensitive data to significant privacy vulnerabilities.

Form based lead generation and customer support was built for a different internet. A serious client or prospect with a real question wants a real conversation—and most firm’s sites still answer with a contact form and 48 hour wait. Our AI’s work as a team to make financial education fun and at the same time provide expert answers. Safe AI deployment in the financial sector relies on contextually aware agents that recognize and remember individual user histories.

01 / TRUST MECHANICS

Biometric & Identity Gatekeeping

We’ve designed this system to connect daily digital education with the highly regulated human expertise that users eventually require. Before any advice is shared, the system establishes trust through a regulatory-grade biometric facial scan and government ID verification.

02 / CONTINUOUS CONTEXT

Persistent Personal History Layers

When a user returns to the app, the AI maintains perfect context of their life, eliminating the need for a new intake process every time they have a question. Grounding the AI in this persistent personal history allows the platform to function as a dynamic partner that understands the user’s long-term trajectory.

Total Addressable Market Sizing

SEC / FDIC / NCUA / IRS Baseline Indexes

Segment Type	Target Metric Target Area	Approx. U.S. Count	Primary Regulatory / Industry Data Source
Wealth Management	SEC-Registered Corporate RIAs	15,870	Investment Adviser Association (IAA)
Wealth Management	Total Wealth Firms (State + SEC)	~44,700	AdvizorPro Advisor Dataset
Hedge Funds	Distinct U.S. Management Firms	3,500 – 4,000	SEC Private Fund Reporting Data
Hedge Funds	Total Live Fund Vehicles (Global/U.S.)	11,000 – 15,000	Barclays / HFR BarclayHedge
Financial Sector	Insured Commercial Banks	4,462	FDIC Data Tools
Financial Sector	Insured Credit Unions	4,830	NCUA Quarterly Reports
CPA Sector	Accounting Firms with >100 clients	128,500 – 135,000	IRS EFIN / PTIN Registrations
Municipalities	Cities with >500 employees	750 – 850	U.S. Census Bureau (ASPEP)
Municipalities	Cities with >3,000 employees	75 – 85	U.S. Census Bureau (ASPEP)
Enterprise B2B	Firms with >5,000 employees	47,000	U.S. Census Bureau (SUSB)

Compliance

Sovereign Trust, Algorithmic Auditing & Data Governance

At VERU|365, security is foundational infrastructure — never an abstraction layer appended after the fact.

At VERU|365, security is infrastructure — not a feature layer bolted on after the fact. Before any users are allowed access to the platform, VERU|365 establishes trust through a regulatory-grade biometric facial scan and government ID verification. Keeping bad actors out is the first step toward the KYC and AML rules financial regulated entities need to adhere by. VERU|365 resides on the Google SOC 2 compliant Cloud.

Before any user executes logic or triggers analytical tracking, verified cryptographic identities match to deep suitability schemas. This compliance-first posture protects financial ecosystems at the perimeter.

SOC 2 Type II GDPR SOX GLBA Regulation S-P

PAGO Engine

Real-Time Suitability Matrix

Replacing traditional static annual updates with a continuous awareness tracking structure. PAGO processes structural data models into clear advice mapping systems for human-in-the-loop validation.

Dynamic Risk Identification [ACTIVE]
Suitability Mapping Vector [COMPLIANT]
Lifetime Client Value Metric [DETERMINISTIC]
Obstacle Counter-Isolation [SOCIALLY PROTECTED]

Algorithmic Audit Trail & Verification Protocols

Deterministic Core Logic

Large Language Models are inherently probabilistic. We fuse structural business rules and logic tables with our proprietary RAG engine to guarantee absolute deterministic execution parameters.

Model Logic // Guardrail

WORM Archival Repositories

Maintains five-year immutable system history logs containing completely anonymized text messages, structured operational tokens, vector logs, and integrated semantic natural language index fields.

WORM Storage // 5-Yr Logs

Incident Protection Programs

Hardened data containment fields operate in full alignment with active Regulation S-P requirements, Identity Theft Program updates, and automated Incident Response Plans (IRP).

SecOps // Protection Lifecycle

Multi-Tenant Data Sovereignty & Isolation Framework

PostgreSQL Row-Level Security (RLS)

Enforced unconditionally at the core database level. Application requests match directly against explicit tenant_id custom strings via cryptographic JWT claims, preserving absolute data segregation even during application routing failures.

Vector Space Partitioning

System memories, long-term contextual historical data, and deep compliance indicators are completely siloed inside isolated namespace partitions at the vector directory layer. Multi-tenant intersection is completely prevented.

PII / PFI Dynamic Redaction

Enterprise-grade structural filters strip out sensitive personal identifiers and protected financial details before user payloads ever communicate with localized model clusters. Zero training footprint guarantees total isolation.

Infrastructure Authorization & Stability

Binary Authorization (BinAuthz) pipelines verify development footprints prior to execution. OpenTelemetry distributed tracing fields eliminate the “noisy neighbor” compromise footprint while maintaining resource balancing grids.

Continuity, Interoperability & Strategic Vendor Oversight

All structural partner integrations (including Plaid, Interactive Brokers, Schwab, and core processing elements) execute explicitly under formalized structural secure data-handling treaties and audited vendor tracking assessments. Active user choice parameters map transparently before data fields coordinate across variables.

Enterprise continuity paths focus on absolute structural platform resilience across redundant geographic hosting fields, deploying global encryption protocols (TLS 1.3+ and AES-256 validation algorithms) uniformly for all data elements at rest and in motion.

Pricing

Risk-Free Top-of-Funnel Client Acquisition

The entire engine is white-labeled for use by banks, CPAs, and wealth managers. Institutions provide this AI as a complimentary service to build financial literacy and convert cold leads into engaged prospects. The business model is risk-free for the organization; they only pay $9.95 a month for users who are highly engaged. All other usage is free. This structure allows firms to broadly distribute the app as a top-of-funnel tool with no financial downside if the users don’t engage.

Value Proposition: Pay only for high engagement ($9.95/mo per engaged user). Broad distribution with zero downside risk, transforming static financial content into an interactive lead acquisition and customer retention channel.

Usage & Performance Dashboard Summary

Active Users

↑ 100% vs prev

Total Chats

100

↑ 100% vs prev

Total Tokens

64.4K

↑ 100% vs prev

Avg Prompts / Chat

2.3

Steady

The Ultimate Payoff: Seamless Advisor Handoff

The ultimate payoff is the handoff—the moment digital education matures into a need for high-value human interaction. Users who are ready for professional advice can book a meeting with their designated human advisor directly through the AI platform. Because the AI has pre-processed the user’s financial statements and context, the human advisor arrives at the meeting with the facts already in hand. The institution gains an educated client at a low acquisition cost, allowing the advisor to focus on high-level strategy and long-term relationship building.

Active Client Engagement Tracker

User ID / Email	Biometric ID	Chats	Tokens	Minutes	Status
Demo Client 1 k+demo1@veru365.com	YES	6	12.7K	1	Active
Demo Client 33 k+demo33@veru365.com	YES	7	12.5K	1	Active
DEMO-EB6B8C Data sharing disabled	YES	6	11.7K	1	Active
Demo Client 27 k+demo27@veru365.com	YES	4	6.4K	0	Active
DEMO-D2C571 Data sharing disabled	YES	5	6.2K	0	Active

Model Infrastructure & Consumption

Model Name	Messages	Input Tokens	Output Tokens	Total Tokens
freddy-power-gemini-2.5-flash	65	52.6K	11.9K	64.4K
freddy-seed-gemini-2.5-flash	50	0	0	0

Interested in learning more?

"*" indicates required fields

Your customers are already using chatbots every day for financial questions.

In conversations for our beta cohort with wealth advisors, hedge funds, CPA firms, banks, credit unions, insurance agencies, municipalities and large employer groups- virtually anyone that has a vested interested in their constituencies financial welfare.

Relationships That Never Sleep

Three specialized agents. One trusted handoff.

Markets

Trained on

Planning

Trained on

Wealth Transfer

Trained on

The Core Routing Architecture

Guardrail & Classification Layer

Contextual Grounding Layer (RAG)

Deterministic Evaluation Layer

Payload Generation & Handoff Middleware

01 / The Intent & Guardrail Layer

02 / Contextual Grounding (RAG)

03 / The Deterministic State Machine

04 / Payload Synthesis & The “Warm Handoff”

05 / Geo-Targeted & License-Based Routing

The Firm Challenge: Scaling Private, Intelligent Conversations

THE DIRTY SECRET: financial plans are obsolete upon delivery.

Biometric & Identity Gatekeeping

Persistent Personal History Layers

Total Addressable Market Sizing

Sovereign Trust, Algorithmic Auditing & Data Governance

PAGO Engine

Algorithmic Audit Trail & Verification Protocols

Deterministic Core Logic

WORM Archival Repositories

Incident Protection Programs

Multi-Tenant Data Sovereignty & Isolation Framework

PostgreSQL Row-Level Security (RLS)

Vector Space Partitioning

PII / PFI Dynamic Redaction

Infrastructure Authorization & Stability

Continuity, Interoperability & Strategic Vendor Oversight

Risk-Free Top-of-Funnel Client Acquisition

Usage & Performance Dashboard Summary

The Ultimate Payoff: Seamless Advisor Handoff

Active Client Engagement Tracker

Model Infrastructure & Consumption

FIRM

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