WealthAi - Investor Presentation

WealthAi

The AI Operating System for European mid-market wealth management

£3M Seed Round | 50% Soft Committed | Target Close: June 2026

02 / 16

Market Opportunity

The industry is forced to move to AI. WealthAi delivers the OS for them to do so.

Three macro forces converging. The window to build the AI OS in wealth is open now.

Macro forces

£5.5TN

Transferring to the next generation

The largest intergenerational wealth transfer in history is underway. Recipients expect digital-native, personalised, always-on service that most wealth managers cannot deliver at scale. Source: Brooks Macdonald UK wealth transfer data.

3x

Growth in AI budgets at wealth firms

AI spend at wealth management companies is set to triple within the next 3-5 years, surging from 16% to 37% of IT budgets as firms race to keep pace with industry change. Source: Wipro 2024 US wealth management survey.

75%

UK financial services already use AI

Up from 58% in 2022. Wealth firms are moving from experimenting with AI to embedding it in regulated workflows, including compliance, research, and reporting. Source: Bank of England and FCA AI survey 2024.

Speaker Notes

Three forces converging. The generational wealth transfer is the demand trigger. AI capability is the supply trigger. And budgets are following, from 16% to 37% within 3-5 years. The window is open now. Bottom-up market sizing is covered later in the Global Market Opportunity slide.

03 / 16

The Problem

Wealth management runs on broken infrastructure

Legacy systems can't scale trust, personalisation, or performance.

60-70%

of RM time goes to non-revenue work

Relationship managers at private banks lose most of their day to manual data processing, fragmented platforms, and unintegrated research rather than clients. Source: McKinsey, Analytics transformation in wealth management.

2x

AUM and revenue per adviser, unrealised

Automating operational work can free almost half of RM time, with enough capacity to double AUM and revenue per adviser. Today that upside is trapped behind admin. Source: Accenture, Future of Asia Wealth Management 2023.

60-80%

of tech budget keeps legacy alive

Wealth and asset managers spend most of their technology spend running legacy systems, leaving only 20-40% for change. Innovation is starved while costs compound. Source: McKinsey, Reshaping asset management operations with technology transformation.

10+

disconnected systems at 37% of Swiss wealth managers

Fragmented tech stacks across custody, portfolio, CRM, research and compliance mean every workflow crosses multiple systems, breaking data quality and oversight. Source: PwC Digital Banking Survey 2023.

Speaker Notes

Four verified problem stats. First, relationship managers at private banks spend 60 to 70 percent of their time on non-revenue work (McKinsey). Second, Accenture research finds that freeing that time could double AUM and revenue per adviser. Third, McKinsey also finds that 60 to 80 percent of tech budget goes to keeping legacy systems running. Fourth, PwC's 2023 Digital Banking Survey finds 37 percent of Swiss wealth managers run more than ten disconnected systems. All four reinforce the broken-infrastructure title.

04 / 16

The Solution

One AI OS. Every team gets their time back.

An AI-powered operating system that connects data, agents, and workflows into a single workspace. Purpose-built for wealth managers.

What it is

The Assistant, a workforce of Agents, and a Marketplace.

One intelligent workspace for every role. Natural-language research, policy-governed actions, full audit trail.

What clients get

Advisors get their diary back
Compliance runs on exception, not attrition
Operations works on strategy, not spreadsheets
Clients get more face time and better advice

How it works, four layers

Experience

Assistant + Marketplace

Single workspace, plug-in partners.

Control plane

Agents + Orchestration

Multi-model routing, policy and audit.

Data & context

Unified client data

250+ custodian integrations.

Runtime

Azure, enterprise-grade

Encrypted. SOC 2 and ISO in progress.

Speaker Notes

WealthAi is the AI operating system for wealth managers. On the left, the actual Assistant UI, live today with our reference clients. Three sidebar blocks on the right tell the story: what the platform is (Assistant, Agents, Marketplace in one workspace), what each team in the firm gets (advisors their diary back, compliance on exception, operations on strategy, clients more face time and better advice), and how it works (four architecture layers, from the Experience layer at the top through the Runtime at the base). The Experience layer is highlighted because that's where our sales motion lands first.

05 / 16

World Class Team

Built by people who know why this is hard

Deep domain expertise across wealth management, AI engineering, regulatory compliance, and enterprise platform building.

Jason Nabi

CEO & Founder

20+ years fintech & WealthTech. Built and scaled regulated platform businesses. Scaled Paxos.

Previous company 1 Previous company 2 Previous company 3

Pratim Das

CTO, AI & Delivery

Strategic leader in enterprise AI and platform delivery. Deep financial services and platform background.

Previous company 1 Previous company 2 Previous company 3

Paul de Gruchy

Head of Legal & Co-Founder

Qualified lawyer, ex-regulator. Extensive wealth and investment management expertise.

Previous company 1 Previous company 2 Previous company 3

Wealth Domain Depth

Enterprise AI Delivery

Regulatory Expertise

Client Engagement

Speaker Notes

Jason has 20+ years in fintech, built and scaled regulated platforms. Pratim is a strategic AI leader with deep financial services background. Paul is a qualified lawyer and ex-regulator. This team has built this before.

06 / 16

Product

WealthAi Assistant works across the entire firm

A dedicated AI-powered co-worker for every role. Advisors, Compliance Officers, Investment Managers, and Operations.

Front Office

Client research & CRM automation
Investment insights & portfolio management
Advice generation
Client onboarding
Communications & reporting

Middle Office

Compliance monitoring
Risk management & controls
AML & KYC workflows
Product management
Regulatory reporting (FCA / MiFID II)

Back Office

Accounting & reconciliation
Payments & banking
Post-trade & custodian management
Fund administration
Operational data management

Research

Investments

Compliance

Risk

Operations

Speaker Notes

Every role gets their own assistant. Advisors, compliance officers, investment managers, operations. It learns, it connects to specialised agents, and it plugs into their existing systems.

07 / 16

Platform

Three pillars. One operating system.

Every layer designed for regulated wealth workloads. Deeper dive on how the platform is built and what it ships with.

Experience

What the firm uses every day

Role-aware Assistant plus a Marketplace of best-in-class partners.

WealthAi Assistant

Marketplace · 17 partners

Morningstar MDOTM Axyon AI WealthKernel ROYC Stratiphy PlannerPal +10

Intelligence

The agents that do the work

Specialised wealth agents, orchestrated across models with policy, audit, and guardrails.

Agents · 2 live, 10+ by 2027

Research Compliance (Q2) Investments Advisory Risk Onboarding Reporting Operations

SLM & LLM Orchestration

Claude GPT Gemini + SLMs

Foundation

Data and infrastructure underneath

Unified client and market data, every custodian and bank that matters, enterprise-grade runtime.

Data & integrations

250+

Custodian and bank integrations

1 view

Client file, portfolio, suitability

Runtime & security

Microsoft Azure Multi-tenant Encrypted SOC 2 in prep ISO in prep

Speaker Notes

Three pillars group the architecture. Experience on the left is the Assistant UI plus the Marketplace of 17 partners including Morningstar, MDOTM, Axyon, WealthKernel, ROYC, Stratiphy, PlannerPal and more. Intelligence in the middle is the agent workforce, two live today (Research and Compliance launching Q2), ten plus by 2027, all orchestrated across Claude, GPT, Gemini and SLMs with policy, audit and guardrails. Foundation on the right is the unified data layer reaching 250 plus custodians and banks, and enterprise-grade runtime on Azure with SOC 2 and ISO certifications in progress. Slide 04 is the overview. This is the deeper dive.

08 / 16

Business Model

Land. Expand. Compound.

A 100-person wealth manager grows from 1 agent to the full platform. ~10x ARR on the same logo in 24 months.

Stage 1 · Land

Month 1-3

Compliance team adopts

10 users on WAi Assistant. 1 Compliance Agent (MAR surveillance).

ARR

~£40K

Stage 2 · Expand

Month 10-15

Across the firm

30 users (compliance + investments). 5 agents live.

ARR

~£150K

Stage 3 · Compound

Month 22-24

Whole firm deployed

100 users. 10 agents. MarketPlace integrations live.

ARR

~£400K

LTV:CAC

16.9x

CAC Payback

7.1 months

NRR

108%

Gross Margin

75%

Modelled metrics from financial model V2. The first cohort is in flight; observed CAC and ACV will be published after Q3 2026 close, NRR after 12 months of usage at the anchor client (Q4 2026).

Speaker Notes

This is a single 100-person wealth manager compounding. Land in compliance with 10 users and 1 agent. Expand across the firm as more teams adopt more agents, reaching 30 users and 5 agents around month 12. By month 24 the whole firm is deployed: 100 users, 10 agents, MarketPlace integrations live. ARR grows roughly 10x from ~£40K to ~£400K on the same logo. The unit economics underneath are what make this work: 16.9x LTV:CAC, 7.1 month payback, 108% NRR (compounding), 75% gross margin. Same playbook runs across every tier, from Boutique at £18K to Very Large at £495K. Detail by tier and the full 5-stage breakdown live in the reading deck.

09 / 16

Traction

Growth velocity in a foundational year

Today (April 2026)

£75K cARR
2 live reference clients
7 CLG firms confirmed (target 12)
25 pipeline logos, £2.6M TCV
0 paying clients

End of 2026 (financial model)

£732K ARR
11 active clients
Compliance, Research, and Investments agents live
V2 Assistant in production
UK, Switzerland, Italy coverage

Stage	Firms	Y1 TCV (unweighted)
Live / MSA signed	2	£76.6K
Signed / Closed	4	£401.5K
Use Case Workshop	5	£267.4K
2nd Meeting & Demo	7	£462.8K
Initial Contact	7	£1.4M
Total	25	£2.6M

Speaker Notes

Two live clients on the platform today. 25 logos in the pipeline across all stages with £2.6M of unweighted Year 1 TCV. And the Capital Economics deal alone puts us in front of 250 institutional clients.

10 / 16

Distribution

Two distribution vectors

Partners flow into the platform to deepen what we sell. WealthAi flows out through platform partnerships to reach their clients.

← Inbound · Marketplace

17 partners integrate into the platform

Our clients access best-in-class tools through a single integrated platform. WealthAi earns revenue share on every transaction.

Partner integrations

Morningstar MDOTM Axyon AI WealthKernel ROYC Stratiphy +11 more

→

Deeper product, more ARR

1 relationship, many tools

Clients subscribe to partner products through WealthAi. We recognise 10 to 50% revenue share.

WealthAi
OS

Central platform. 25 logos in pipeline, 2 live reference clients.

Outbound · Platform Partnership →

WealthAi reaches new clients through partner channels

Strategic partners embed WealthAi into their own client experience, giving us reach into new institutional audiences.

Flagship · two-way partnership

Capital Economics

MOU signed Q1 2026

WealthAi embeds into the Capital Economics platform.

→

Reach, new customer base

250 institutional clients

CE's existing client base becomes exposed to WealthAi. First of multiple platform partnerships on roadmap.

Inbound compounds revenue

Every new Marketplace partner makes the platform more valuable to existing clients and lifts NRR.

Outbound compounds reach

Every new Platform Partner opens a new client channel for WealthAi at near-zero CAC.

Speaker Notes

Two distribution vectors, one central platform. Inbound on the left is the Marketplace: 17 partnerships, 6 live integrations, clients subscribe to best-in-class tools through one platform and we take 10 to 50% revenue share. MDOTM is our live Italian case study, and we have 10 more partners including Morningstar, Axyon, WealthKernel, ROYC and Stratiphy. Outbound on the right is the Platform Partnership model. Capital Economics is our flagship, MOU signed Q1 2026, embedding WealthAi into their platform reaches approximately 250 institutional clients. Terms in active review as CE finalises AI strategy. The principle is that inbound compounds revenue on existing logos and outbound compounds reach at near-zero CAC.

11 / 16

Why now

Four tracks converging on European mid-market wealth right now

Regulation compounding, enforcement sharpening, AI crossing the line, capital pricing the category. Inside a 24-month window.

35%

UK wealth advice firm time spent on client meetings. The other 65% goes to admin, compliance and development.

Model Office / Fidelity 2024

19%

of annual revenue spent on compliance by UK wealth advice firms. 11 hours a week per firm, over two months a year.

Model Office / Fidelity 2024

96%

of UK wealth managers say regulatory change is diverting time from other priorities. 79% saw compliance spend rise this year.

PIMFA H2 2025, £1.65tn AUM

75.5%

median cost-to-income ratio at Swiss private banks in 2024, up from 74.3%. Aggregate operating costs rose CHF 500M to CHF 15.3bn.

KPMG Clarity on Swiss Private Banks 2025

NOW · 24-MONTH WINDOW

Regulation

Jul 2023 · Consumer Duty

May 2024 · Anti-greenwashing

Jan 2025 · DORA

Feb 2025 · EU AI Act

Aug 2026 · AI Act high-risk

Enforcement

May 2023 · Lighthouse / Quilter £23M redress

Sep 2023 · Julius Baer £18M fine

Feb 2024 · SJP £426M

Sep 2024 · Mirabaud CHF 12.7M

Jul 2025 · Barclays £42M

Technology

Mar 2023 · GPT-4

May 2024 · ESMA AI guidance

Jun 2024 · Claude 3.5 Sonnet

Feb 2025 · Reasoning models

Market

Feb 2025 · Unique AG $30M

Dec 2025 · Nevis $40M

Feb 2026 · Avantos $25M

20232024202520262027

Speaker Notes

Four tracks all converge on right now. Regulation: Consumer Duty in 2023, DORA and EU AI Act prohibitions in early 2025, EU AI Act high-risk obligations in August 2026. Enforcement: five wealth-sector cases inside the window. Lighthouse (Quilter) paid £23M in redress in May 2023. Julius Baer International was fined £18M in September 2023. SJP set aside £426M for ongoing-advice redress in February 2024. FINMA confiscated CHF 12.7M from Mirabaud in September 2024. Barclays was fined £42.4M in July 2025 across two AML cases, one of which included £3.1M tied to the WealthTek client-money failings, the rest relating to a separate Stunt & Co case. Technology: GPT-4 made the reasoning viable, Claude 3.5 made long-context regulated work viable, reasoning models closed the gap, and ESMA explicitly accepted AI under MiFID II. Market: three AI-native competitors raised Series As inside twelve months, pricing the category. The cost strip at the top makes the burden visible. UK advice firms spend only 35% of their time on clients, 19% of revenue on compliance, 96% report regulation is diverting time. Swiss private banks are under margin pressure with cost-to-income at 75.5%. All published, all sourced, full research in docs/research.

12 / 16

Competitive positioning

No serious competitor is building for European mid-market wealth

Every other AI-native OS player is either tier-1 focused, US focused, or not wealth-pure. We own the open gap in the segment.

Tier 1 · Global banks Tier 2 · Large specialists Tier 3 · Mid-market

EuropeUS / Global

Our segment · open gap

FNZ

Temenos

Avaloq

Unique AG

Salesforce FSC

Nevis

Avantos

advisory.ai

WealthAi

The only player in this quadrant.

AI-native, wealth-pure, compliance-first. Built for the mid-market firm carrying the same regulatory load as a tier-1 bank with a fraction of the headcount. Tier 1 incumbents (FNZ, Temenos, Avaloq) target the top of the market. AI-native challengers (Nevis, Avantos) operate in the US. Enterprise-scale AI players (Unique AG) aim upmarket.

Legacy or bolt-on AI

AI-native challenger

WealthAi

Speaker Notes

Three tiers on the Y-axis. Tier 1 is global banks, Tier 2 is large specialist private banks, Tier 3 is our segment, 5 to 500 staff, £100M to £20B AUM. Geography splits Europe from US. Tier 1 incumbents (FNZ, Temenos, Avaloq) target firms much larger than ours. Unique AG is the one AI-native Swiss play that exists but targets Pictet, UBP, LGT, Partners Group at the tier 1-2 end. US AI-native challengers (Nevis, Avantos, advisory.ai) don't operate in Europe. WealthAi sits alone in the European Tier 3 quadrant. That's the open gap. The full named competitor profiles and feature comparison live in the reading deck.

13 / 16

Expansion

Market Opportunity

£5.5T UK wealth in motion. £600M addressable across our three initial markets. Methodical, market-by-market expansion.

£5.5T

UK wealth in motion

UK intergenerational wealth transfer underway. The buyer base is changing. (Brooks Macdonald)

10,000+

Family offices by 2030

Holding $5.4T in assets. The fastest-growing buyer segment in our ICP. (Deloitte 2024)

£600M

Addressable revenue

Across our three initial markets (UK, Switzerland, Italy) at our blended ACV. 6% capture delivers £36M ARR. GCC expansion from 2027.

Expansion

UK 2026 → Milan & Zurich 2027 → GCC 2027-28 → US 2028+

Methodical

Speaker Notes

The UK alone has £5.5T of intergenerational wealth in motion (Brooks Macdonald). Globally, family offices grow from ~8,030 today to 10,000+ by 2030 holding $5.4T (Deloitte 2024). Our three initial markets (UK, Switzerland, Italy) represent approximately £600M in addressable annual revenue at our blended ACV, with 6% capture delivering £36M ARR. GCC expansion follows in 2027-2028. We go market by market with anchor reference clients. UK 2026, then Milan and Zurich 2027 where private banking density is highest. GCC 2027-28. US last, 2028+, once we have the proof points. Detailed expansion phase cards live in the reading deck.

14 / 16

Go-To-Market

Sales Motion & Team Build

A structured B2B funnel converts prospects via a cohort programme. Founder-led to Q2 2026, then the sales team activates Q3 2026 onwards.

The cohort programme is the conversion engine. Closes 3–5x faster than linear sales for comparable deals.

How we sell and how the firm expands

Today (Q2 2026): V1 Assistant plus Compliance Agent sold as a bundle. The Assistant is the entry-level product. Compliance is the commercial wedge.

Q3 to Q4 2026: V2 Assistant productised. Agent range expands into Research, Investments, and Risk. Each new agent compounds the value for already-landed firms.

2027 and beyond: 10+ agents across front, middle, and back office. New clients start with the Assistant as their entry and add agents fit for their use case.

Expansion is driven by operational pull. Every agent returns real hours to a specific team. Compliance saves the MAR team the triage grind. Research frees analysts from manual screening. Advisory gives client-facing advisors their diary back. Once a firm sees one agent work, they want the next.

Speaker Notes

Our GTM is a structured B2B funnel converting prospects via a cohort programme, then expanding accounts through product-led growth. The cohort is the conversion engine: 8-12 firms in a 6-8 week programme together, anchor clients co-hosting, peer pressure driving commitment. Closing rates run 3-5x higher than linear sales cycles for comparable deals. Phase 1 is founder-led to Q2 2026 — Jason runs the first cohort with Saranac. The first 11 paying clients prove the model. From Q3 2026 the sales team activates: SDRs, inside sales, cohort delivery, CS, marketing and PR. The 11 clients are the proof, the playbook is the product, and the team that hires from Q3 onwards is running a proven system, not figuring it out.

15 / 16

The Ask

Raising £3M Seed

50% soft committed | Close target: June 2026

Use of funds

40%

Product & Engineering

30%

Commercial & Sales

20%

Team (target 26 FTE by EOY 2026)

10%

Infrastructure & Ops

By Dec 2026

11 clients

ARR

£732K

2028 ARR

£15.5M

Profitable

2028

Series A

EOY 2026

Speaker Notes

We're raising 3 million seed with 50 percent soft committed and roughly 4 million of warm investor interest. We close in June. The seed takes us to 11 clients live and 732K ARR by end of 2026. Cash positive throughout, profitable in 2028 at 4 million EBITDA. NRR is 125 percent in 2027 and 108 percent in 2028, both cohort-based. LTV:CAC is 8.3 times in year one rising to 16.9 times by 2028.

16 / 16

WealthAi

The AI Operating System for the next era of wealth management.

£3M Seed | 50% soft committed | Target close: June 2026

Jason Nabi

jason@wealthai.tech