Shutdown
Jan 2024Founders say their prior regulated fintech venture (Zywa) was shut down when regulations and the market changed, which led to the current Cozmo AI pivot.
SourceCompany research
Public company, workplace, funding, and market signals
Overview
Cozmo AI builds multimodal AI employees for regulated enterprise operations, with the strongest public focus on property & casualty insurance claims. The platform answers calls, reads documents, applies policy, and executes workflow updates end-to-end with an auditable control layer called APE. Public sources conflict on founding year: the company’s own site traces the origin story to 2023, while YC and LinkedIn list 2025.
Primary product
Multimodal AI employee platform for P&C insurance and regulated enterprise workflows
Founded
2025
Headquarters
San Francisco, California, United States (HQ); Dubai, United Arab Emirates (EMEA HQ)
Team size
10-20
Industry
Technology, Information and Internet
Sub-industry
AI employee platform for regulated enterprise operations / insurance claims automation
Offices
San Francisco, California, United States (HQ)
Dubai, United Arab Emirates
Abu Dhabi, United Arab Emirates
Business model
outcome-based pricing
usage-based pricing
enterprise software
Funding
Stage
Seed
Total raised
$4.1M
Latest round
Seed · Dec 2022
Latest amount
$3M
People & investors
Leadership
Co-Founder and CEO
Co-Founder and CTO
Sanket Bhavsar
Founding Team - Engineering
Sahaj Ramachandran
Founding Team - Engineering
Youssef B.
Lead Engineer
Work & culture
Early-stage, high-velocity, mission-driven, and strongly oriented toward regulated-enterprise rigor. Public posts emphasize shipping fast, proximity in the early team, owning outcomes end to end, and building with auditable AI and policy guardrails.
Product & market
Pricing
Outcome-based pricing for resolved cases; for restoration workflows, a flat monthly fee based on call volume with no setup fees or per-minute charges.
Differentiators
- —Multimodal same-agent workflow across voice, chat, WhatsApp, email, documents, and vision
- —Agent Protocol Engine (APE) for governed, explainable, auditable decisions
- —Integrates with existing telephony, CRM, and claims/core systems without rip-and-replace
- —Outcome-based pricing aligned to resolved cases
- —Strong multilingual support, including Arabic and regional dialects
- —Public docs / API / CLI / MCP-oriented developer surface
Technology
Python
JavaScript
TypeScript
React
Kubernetes
Helm
Terraform
PostgreSQL
MySQL
MongoDB
Redis
Grafana
Prometheus
Salesforce
Guidewire
Temenos
Encircle
Dash
Albiware
ServiceTitan
Customers
Property & casualty insurers
third-party administrators
restoration contractors
banks
lenders
Fortune 100 enterprises
Nestlé
regional digital banks
regional motor insurance companies
Competitors
Sierra
Decagon
voice AI vendors
RPA tools
horizontal agent platforms
Scale & contact
Estimated revenue
≈$1.3M–$10M ARR (third-party estimates vary)
Estimated monthly visits
3.9K
Traffic estimate as of Jun 2026
Signals & risks
Jobs and careers at Cozmo AI
0 jobs at Cozmo AI
No open positions
Check back later for new openings