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.
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.
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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
Your clients have financial questions between reviews. Our agents answer them, in your brand, around the clock.
Three agents work as a team across planning, markets, and tax. They are built to be genuinely engaging, because a client who enjoys the conversation comes back to it.
When a client is ready for a licensed conversation, and only with their consent, we hand your advisor a summary of what was discussed. The client does not repeat their situation. The advisor opens the meeting already knowing it.
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.
Planning
Built with Certified Financial Planners, and walks visitors through the questions they used to wait three weeks for an appointment to ask.
Wealth Transfer
Wealth Transfer: For the client who inherited a portfolio they did not build. Calm, direct, does not tiptoe.
The Core Routing Architecture
A highly secure, deterministic five-layer platform designed to safely bridge natural language AI interaction with licensed enterprise infrastructure.
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
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.
Incoming String Evaluation:
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.
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.
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.
The Firm Challenge: Scaling Private, Intelligent Conversations
Your clients ask financial questions every day. Most of them never reach you.
THE DIRTY SECRET: a financial plan is out of date the day it is delivered.
Plans are built from a snapshot of one day’s balances. Life keeps moving. A job loss, a health crisis, or a market drop breaks the plan, and the client has nobody to ask until their next review.
No institution can staff round-the-clock personal advice for every member. So clients ask a general-purpose chatbot instead. Those tools do not know the client’s situation, they state financial facts that are sometimes wrong, and whatever the client types goes somewhere you do not control.
Form-based lead capture was built for a different internet. Someone with a real question wants a conversation, and most firms’ sites still answer with a contact form and a 48-hour wait. Our agents work as a team, keep the education genuinely engaging, and remember each client between visits.
Identity first
Before any advice is shared, the client completes a biometric facial scan and a government ID check.
Context that carries over
When a client comes back, the AI already knows their situation. No new intake every time they have a question. Over months, that history is what lets it track where someone is heading rather than only what they asked today.
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) |
Security and Compliance
Before anyone can use the platform, we verify their identity with a biometric facial scan and a government ID check. That keeps bad actors out, and it is the first step toward the KYC and AML rules regulated financial firms have to meet. We run on Google Cloud, which is SOC 2 compliant.
PAGO Engine
suitability that stays currentMost firms review suitability once a year. PAGO updates as the client’s situation changes, and a person reviews the result before it reaches an advisor.
- Risk identification
- Suitability mapping
- Lifetime client value
- Obstacle tracking
Algorithmic Audit Trail & Verification Protocols
Rules, not guesses
Language models are probabilistic. Ours are paired with explicit business rules and logic tables, so routing and escalation decisions are made by code rather than by the model.
Immutable logs
We keep five years of write-once audit logs covering messages, operational events, and retrieval activity. Personal identifiers are stripped before anything is written.
Incident response
Our data handling follows Regulation S-P, our Identity Theft Prevention Program, and a documented incident response plan.
Multi-Tenant Data Sovereignty & Isolation Framework
Row-level security
Every database query is scoped to one tenant ID, carried in a signed JWT and enforced by PostgreSQL itself rather than by application code. A bug in the application cannot widen the scope.
Separate vector storage
Each client’s embeddings and conversation history sit in their own namespace. A query in one namespace cannot reach another.
Redaction before the model
Personal and financial identifiers are stripped from a message before it reaches the model. No client data is used for training.
Deployment controls
Binary Authorization verifies every container image before it runs. Distributed tracing lets us see when one client’s load starts affecting another.
Continuity, Interoperability & Strategic Vendor Oversight
Our integrations with Plaid, Interactive Brokers, Schwab, and core processors run under signed data-handling agreements, and we review those vendors on a schedule. Clients see and approve what gets shared before it moves. The platform runs across multiple regions, with TLS 1.3 in transit and AES-256 at rest.
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
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 |
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