Investor FAQs

Wealth management firms run on fragmented, spreadsheet-driven workflows with overextended architectures that are expensive to operate, risky to maintain, and impossible to scale. Compliance teams review less than 5% of communications manually. Advisors spend more time on admin than clients. Legacy tech providers charge hundreds of thousands for rigid, monolithic platforms.

AI has crossed the capability threshold to fundamentally change this. WealthAi is purpose-built for this moment - not a generic AI tool adapted for finance, but an AI-native platform designed from the ground up for wealth management workflows.

Three things converged: (1) AI capability crossed the threshold - LLMs can now reason over financial documents, match trades to communications, and generate investment-grade analysis. (2) Regulatory pressure is increasing - MAR, MiFID II, and equivalent regimes now demand continuous surveillance, not sample-based spot checks. (3) Legacy platforms are losing ground - firms are actively looking for modern alternatives after decades of underinvestment in wealth tech.

The verified anchors we lead with: the UK alone has £5.5T of intergenerational wealth transfer in motion (Brooks Macdonald). Family offices globally will grow from ~8,030 today to 10,000+ by 2030, holding $5.4T in assets (Deloitte 2024). US wealth managers are increasing AI budgets by 16-37% (Wipro 2024). Across our three initial markets (UK, Switzerland, Italy), the addressable annual revenue at our blended ACV is approximately £600M. At a 6% capture rate this delivers £36M ARR. GCC follows in 2027-2028.

WealthAi targets the European mid-market: family offices, EAMs, and private banks with 5-500 users. These firms have acute pain from legacy systems, faster buying cycles than tier-1 banks, and pricing sensitivity that makes WealthAi's model attractive (£5-20k per client vs £100k+ for legacy platforms).

The market is dominated by legacy platforms: FNZ ($2T+ AUA, 650+ financial institutions, 12,000 wealth managers), SS&C Technologies ($5.88B revenue FY2024, NASDAQ:SSNC, with the Black Diamond Wealth Platform at $2T+ AUM), and InvestCloud (acquired by Motive Partners). These are rigid, monolithic systems requiring 12-18 month implementations and six-figure annual contracts.

In the AI space, Nevis ($40M total raised: $5M seed plus $35M Series A from Sequoia, ICONIQ and Ribbit; US-focused on RIAs) and Unique AG ($53M total raised, including a $30M Series A in 2025 from DN Capital and CommerzVentures; Swiss, targets tier-1 banks like Pictet and UBP) are the most funded. Avantos ($35M total: $25M Series A from Bessemer plus $10M seed; US-focused) is also in this space. None focus on the European mid-market. WealthAi is the only AI-native platform built specifically for this segment with true wealth management domain expertise.

Wealth tech platforms have inherently low churn once embedded. Firms integrate deeply into their compliance, CRM, and portfolio management workflows - switching costs are high. The industry benchmark for enterprise SaaS in financial services is 5-8% annual churn. WealthAi's multi-product approach (Assistant + Agents + marketplace) creates multiple integration points per client, further increasing stickiness.

The core platform is live on Azure with active clients. Specifically:

Live: WAi Assistant (role-aware workspace) and Research Agent (Morningstar integration with ratings, holdings, analyst reports). Marketplace v1 with 17 partner relationships (6 live, 11 LOI/MOU) across names including MT Newswires, Morningstar, Axyon AI, MDOTM, Stratiphy, Copper Markets, ROYC, PlannerPal, Tiller, Wealth Kernal, Pretium. API Hub with 200+ custodian connections via Pretium. Multi-Model AI routing (Gemini, OpenAI, Anthropic).

In development: Compliance Agent with MAR surveillance (Q2 2026 launch, currently in beta with anchor clients including Saranac Partners), Investments Agent (EOY 2026), Client Advisory Agent, configurable rules engine, SOC 2 certification.

Three signals: (1) Live reference clients. New College Capital and Knightons Capital are live on the platform as non-invoicing pilot deployments, with first paying client (Patronus Partners) en route in Q2 2026. (2) Clients co-developing. 7 firms confirmed in the Compliance Launch Group (5 more being sourced, 12 total target) are actively shaping the product, providing data access, and committing to early adoption. (3) Inbound demand. Firms are coming to us through referrals, not just outbound sales. The Capital Economics distribution partnership (250 institutional clients) came through an existing relationship.

vs Generic LLMs (ChatGPT, Copilot): WealthAi provides context-aware agents with pre-configured deterministic workflows, ready-made data integrations, compliance guardrails, and audit trails. A generic LLM cannot do MAR surveillance, connect to custodians, or enforce regulatory rules.

vs Nevis ($40M total): US-focused on RIAs. No European presence, no compliance surveillance, different regulatory context.

vs Unique AG ($53M total): Targets tier-1 banks (Pictet, UBP, LGT, Partners Group). Broader financial services scope, higher price point. WealthAi wins on mid-market focus, compliance-first wedge, and capital efficiency.

vs Legacy (FNZ, SS&C): Rigid monolithic platforms with 12-18 month implementations. WealthAi is AI-native, modular, and deploys in weeks.

Q2 2026: V2 platform launch, Compliance Agent + MAR surveillance to GA, Capital Economics distribution partnership active (250 institutional clients), Compliance Launch Group onboarded.

Q3 2026: Full advisory workflows (Client Vault, Dashboard, CRM/PMS connectors), Client Research Agent, Suitability Agent.

Q4 2026: SOC 2 certification, GA release, marketplace v2 deepening integrations across the 17 existing partner relationships, enterprise pilot programme.

2027: Operations Agent, AML Agent, Portfolio Construction, regional cloud expansion, advanced analytics suite.

Currently founder-led sales with a structured 5-stage process: Pre-sales discovery, Use Case Workshops (tailored to each firm), Confirmation and scoping, Contract/MSA, and Deployment Roadmap. This is supported by a 5-workshop series framework that takes prospects from discovery to implementation planning.

The Compliance Launch Group is a key GTM lever. 7 firms confirmed and 5 more being sourced (12 total target), co-developing the compliance product and creating reference clients and case studies for broader rollout. Capital Economics is a distribution partner, putting WealthAi in front of 250 institutional clients.

For mid-market firms (5-25 users): typically 4-12 weeks from first meeting to MSA. For larger firms (25-200+ users): 3-6 months including workshops, compliance/IT review, and procurement. We deliberately target the mid-market to avoid 12-18 month enterprise cycles. Our pricing at £5-20k per client removes procurement friction that slows down deals at legacy platforms.

25 unique logos in the sales pipeline, with the core focus on the UK in 2026 and Switzerland and Italy from 2027. Pipeline includes 2 live reference clients on the platform today (Knightons Capital and New College Capital, currently non-invoicing pilot deployments), the Compliance Launch Group (7 confirmed firms including Saranac Partners as anchor sponsor with MSA signed, 5 more being sourced), a distribution partnership with Capital Economics covering 250 institutional clients, plus wider pipeline firms in workshops and early-stage discussions. Unweighted Year 1 TCV across the 25 logos is £2.6M.

Average contract value scales with the pipeline mix. By 2028 the base model shows an average ACV of £132k across 116 clients, with net revenue to WealthAi after marketplace partner revenue share of ~75%. Pricing is modular:

Assistant: £3,300 per user per annum. Agents: £5,000-10,000 per agent (blended). Platform: £20,000 per firm (up to £80k for very large). marketplace: Partner-specific, WealthAi takes 10-50% depending on the partner. API: £10,000-15,000 per API per year.

WealthAi retains approximately 70% of gross revenue as net revenue (after marketplace partner fees). The remaining 30% goes to partners whose products are distributed through the marketplace.

2026: £732K ARR, 11 clients, EBITDA of -£1.6M (investment year). 2027: £5.7M ARR, 50 clients, EBITDA -£1.5M as the team and operating cost base reach full scale. 2028: £15.5M ARR, 116 clients, profitable at +£4.0M EBITDA. Team scales from 14.8 FTE today (22 people) to 26 FTE year-end 2026, 30 FTE EOY 2027 and 35 FTE EOY 2028. EBITDA reflects fully loaded payroll (30% employer cost loading), fully loaded sales costs (commission plus 25% loading uplift covering ramp, accelerators and enablement), and CEO comp stepping to market rate from January 2028.

The model is built bottom-up from 5 client tiers (Boutique to Very Large) with specific pricing per product per tier. The 2026 target of 11 clients is grounded in the current pipeline of 25 logos. The 2027 ramp to 50 clients assumes the Compliance Launch Group converts (7 firms), Capital Economics distribution activates (adding smaller firms), and sales team expansion from 1 to 3 reps delivers 2-3 new logos per month.

Today: Domain expertise (team has decades of wealth management experience, not technologists guessing at finance). Compliance-first positioning (no AI competitor has MAR surveillance). Client co-development model (7 firms confirmed in the Compliance Launch Group, 5 more being sourced, 12 total target). 17 marketplace partner relationships (6 live, 11 LOI/MOU). 200+ custodian connections.

Tomorrow: Data network effects - as more firms use the platform, anonymised benchmarking and cross-firm insights become increasingly valuable. Multi-product stickiness - each additional agent and integration increases switching costs. Regulatory moat - compliance features require deep domain expertise and regulatory understanding that takes years to build.

Yes. UK trademark registered (UK00004123287). The core IP is in the orchestration layer that routes work across multiple AI models, enforces compliance policies, manages state/context, and produces immutable audit logs. The configurable rules engine for multi-jurisdiction compliance is proprietary. The agent framework - combining LLM reasoning with deterministic tools and rules for safe execution - is purpose-built for regulated financial workflows.

We're pricing on trajectory, not trailing revenue. We have GBP 2.6M in Year 1 pipeline TCV across 25 qualified logos, 2 live reference clients, and a distribution partnership with Capital Economics reaching 250 institutional clients. The Compliance Launch Group (7 firms confirmed, 5 more being sourced, 12 total target) provides a built-in conversion pipeline. We're asking for seed-stage pricing on a company with post-seed traction.

Nevis is US-focused (RIAs) and backed by US funds. Unique targets tier-1 banks (Pictet, UBP, LGT, Partners Group) with enterprise pricing and long implementation cycles. We're deliberately focused on the European mid-market: family offices, EAMs, and private banks with 5-500 users who won't spend £100k+ on legacy platforms or wait 6 months for deployment.

Our capital efficiency is a feature. We win by being faster, cheaper, and more relevant to our segment. We are the only founders in this space with true wealth management backgrounds.

That's exactly why we target the mid-market, not tier-1 banks. Our target firms have 5-500 users, faster buying cycles, and acute pain from legacy systems. Our pricing at £5-20k per client removes procurement friction. The marketplace model means we're not just selling - we're distributing partner tools, creating multiple entry points into each account. And our Compliance Launch Group model converts prospects into co-developers, shortening the path from interest to commitment.

Most of the team is fractional or on lean arrangements. We've assembled senior talent at a fraction of market rates because they believe in the category. This is a team that would cost 3-4x at full market rates and gives us the enterprise credibility our customers demand from day one. Current team is 22 people (14.8 FTE today), growing to 26 FTE by year-end 2026, 30 FTE EOY 2027 and 35 FTE EOY 2028. The burn is designed to reach near break-even by end of 2027.