BOND.AI
BOND.AI is a private AI company that builds the patented Empathy Engine and sells Autopilot, an AI platform used by banks and credit unions for forecasting, deposit growth, and personalized customer engagement, with a separate consumer longevity product called 101+.
- Company typePrivate
- Founded2016
- HeadquartersLittle Rock, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What BOND.AI does
BOND.AI (legal entity Everyspend, Inc.) is a private U.S. AI company founded in 2016 and headquartered in Little Rock, Arkansas, that builds human-centered AI for two end markets: community and regional financial institutions, and individual consumers via its 101+ longevity platform. The company's core technology is the patented Empathy Engine, which it describes as a proprietary architecture combining Human World Models, Empathic Reasoning, Agentic Action, and Narrative Synthesis, supported by data handling capabilities (Fuzzy Matching, Data Imputation, Amplification, Anomaly Detection). The commercial product surface is the Autopilot platform, split into two subscription modules: Autopilot Analyst (forecasting and early-warning, using ensemble models combining ARIMA, SARIMA, Prophet, and Gradient Boosting, with 4-quarter forward visibility and Early Warning Indicators) and Autopilot Profit (automated deposit growth, share-of-wallet expansion, and personalized 1:1 engagement). The company also distributes the 101+ consumer longevity membership.
The firm monetizes via annual subscription licensing on a quote-based pricing model (Autopilot Analyst offers a free sign-up tier; Autopilot Profit is demo-gated), with a 30-day implementation cycle from contract execution. Go-to-market combines direct enterprise field sales led by VP of Growth and VP of Sales with channel resellers OMNICOMMANDER (reaching 600+ banks and credit unions) and BankBound (reaching 100+ FIs), plus technology and lending partnerships with DATASEERS and Lendio. The platform is SOC 2 Type II compliant, processes data onshore in a secure cloud, requires no PII, and connects via SFTP or API without core integration. BOND.AI cites claimed outcomes of up to 4X conversion-rate improvement versus other tools and 10 of 17 UN Sustainable Development Goals advanced.
Operationally, BOND.AI has raised approximately $5.55M across disclosed rounds (including a 2017 $2.7M round led by the FIS FinTech Accelerator in partnership with The Venture Center with participation from FIS and the Fund for Arkansas' Future, and a 2022 $2.85M round), employed 11-50 staff, acquired Elastech, Inc. in November 2023 for data and cloud capability expansion, and assembled a leadership team drawing from FIS, MX, and former bank executives (CEO Uday Akkaraju; CRO Michael Whitacre; CSO Adam Montgomery). Only one direct end customer (Focus Bank) is publicly named; the larger scale claims (hundreds of FIs) flow through reseller partners rather than direct BOND.AI relationships. Revenue, ARR, and investor detail beyond the disclosed rounds are not publicly provided.
BOND.AI firmographics
Firmographics- Name
- BOND.AI
- Legal name
- Everyspend, Inc.
- Website
- https://bond.ai
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BOND.AI is a private AI company that builds the patented Empathy Engine and sells Autopilot, an AI platform used by banks and credit unions for forecasting, deposit growth, and personalized customer engagement, with a separate consumer longevity product called 101+.
- Ownership category
- akta.pro rank
BOND.AI industry classification
Industry- Product category
- AI Banking Platform
- NAICS
- Software Publishers (5132), Computer Systems Design Services (541512)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)
- akta.pro secondary industry
- End-to-End Enterprise AI Platforms (MLOps & Model Lifecycle Management) (HDAEANAA)
Keywords
Where BOND.AI is headquartered
LocationHeadquarters
- HQ city
- Little Rock
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
BOND.AI business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription Licensing - Autopilot Platform: Software-as-a-service subscription model for Autopilot platform with two tiers: Autopilot Analyst (insights/forecasting) and Autopilot Profit (growth/engagement). Pricing is quote-based.
- AI Healthcare Platform (101+): Health membership platform for individuals focused on longevity, separate from banking vertical.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Autopilot Analyst - AI-powered forecasting and early-warning platform |
| Subscription | Annual | Autopilot Profit - Growth and engagement automation |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
BOND.AI product offering
Product offeringCore offering
BOND.AI builds the Empathy Engine, a proprietary human-centered AI platform that combines Human World Models, Empathic Reasoning, Agentic Action, and Narrative Synthesis to model individuals rather than cohorts. Its primary commercial offering, Autopilot, is an AI Operating System for banks and credit unions that automates deposit growth, lending, and customer engagement, and is sold in two subscription modules: Autopilot Analyst (forecasting and early-warning) and Autopilot Profit (growth and engagement automation). The company also sells 101+, a direct-to-consumer longevity membership platform.
Product overview
BOND.AI is a multi-product AI company with two primary offerings: the Empathy Engine® (proprietary human-centered AI platform) and Autopilot (AI Operating System for financial institutions). Autopilot consists of two modules: Autopilot Analyst (forecasting and early-warning) and Autopilot Profit (automated growth and engagement). The company also offers 101+ for healthcare/longevity. The Empathy Engine® powers all products across both banking and healthcare verticals, providing human world models, empathic reasoning, agentic action, and narrative synthesis capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- Empathy Engine: Proprietary AI technology built around how humans think, creating human world models, empathic reasoning, and agentic action for financial institutions.
- Autopilot
- Autopilot Analyst
- Autopilot Profit
- 101+
Products and services
- Empathy Engine Proprietary AI platform that incorporates Human World Models, Empathic Reasoning, Agentic Action, and Narrative Synthesis to model individuals rather than cohorts. Powers all BOND.AI products across banking and healthcare verticals, including Fuzzy Matching, Data Imputation, Amplification, and Anomaly Detection on fragmented human data.
- Autopilot AI Operating System for financial institutions that runs inside banks and credit unions to automate deposit growth, lending, and customer engagement while improving the financial health of account holders. Built on the Empathy Engine, with no integrations required (data connects via SFTP or API), SOC 2 Type II compliant, and typically implemented within 30 days from contract execution.
- Autopilot Analyst AI-powered forecasting and early-warning platform that predicts financial performance, detects risks, and plans actions up to four quarters in advance. Combines ensemble forecasting models (ARIMA, SARIMA, Prophet, Gradient Boosting) with external data and delivers Early Warning Indicators for liquidity, loan portfolios, earnings, capital adequacy, and interest-rate exposure. Offered as a subscription tier with a free sign-up option.
- Autopilot Profit Subscription tier that automates and optimizes growth at scale by transforming transaction data into personalized outreach to drive deposits, loans, and engagement automatically. Includes Deposit Rush, Share of Wallet, Anticipate Needs, and Marketing Engine capabilities. Positioned as a premium tier requiring demo booking.
- 101+ Longevity platform for individual consumers that helps users slow aging speed, surface root causes of future disease, and extend years lived in good health. Positioned as the only health membership built around the individual (not symptoms), and delivered as a separate B2C offering at 101.plus powered by the Empathy Engine.
Quantifiable outcome
- Conversion rates up to 4X higher than other tools
- +1 more outcomes
Companies that use BOND.AI
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
BOND.AI technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability8 records
Feature11 records
BOND.AI partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and secondary.
- BankBoundcoreStrategic partnership with digital marketing agency exclusively focused on financial institutions. BankBound integrates BOND.AI's transaction-level customer intelligence into its email marketing automation and digital advertising programs, enabling community banks to segment customers more precisely and deliver personalized offers. Available to BankBound's existing client base of financial institutions.
- OMNICOMMANDERcorePartnership with the nation's leading digital marketing agency for banks and credit unions. OMNICOMMANDER serves 600+ banks and credit unions with award-winning digital ecosystem including ADA-accessible websites, integrated digital marketing, SEO, video production, and branding. Through partnership, OMNICOMMANDER offers BOND.AI's Autopilot platform to its clients, pairing best-in-class digital experiences with AI-driven customer intelligence.
- LendiosecondaryPartnership to help banks retain and grow small business lending through data-driven intelligence. Lendio integrates BOND.AI's Autopilot platform to provide clients with deeper insight into customer behavior and proactive identification of customer needs.
- DATASEERScoreStrategic partnership with leading provider of AI and machine learning driven risk, fraud, and compliance solutions. BOND.AI ingests DATASEERS' data cleansing and labeling capabilities to further enhance The Empathy Engine and Autopilot platform insights. DATASEERS integrates Autopilot to provide clients with clear data visualization and deeper customer behavior insights.
- Elastech, Inc.secondaryAcquisition of Elastech, Inc. to enhance data and cloud capabilities as part of expanding the Empathy Engine technology.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
BOND.AI competitors and assessment
Company assessmentBroad incumbents
- MX Technologies: MX is a financial data platform serving FIs and fintechs, offering transaction data connectivity and AI-driven insights. BOND.AI's CRO previously served as CCO at MX, and both address FI customer intelligence and engagement.
- Salesforce Financial Services Cloud: Salesforce's Financial Services Cloud bundles CRM, AI (Einstein), and analytics for retail and commercial banking, competing with BOND.AI's relationship intelligence and engagement automation at community bank buyers.
- Q2 (now part of Alkami): Alkami (Q2 combined) is a digital banking platform for community banks and credit unions, with growing AI-powered personalization features that overlap BOND.AI's Autopilot use cases.
- Temenos: Temenos is a global core banking vendor increasingly embedding AI/analytics for retail banks, comparable to BOND.AI as a broad banking-software incumbent expanding into AI-driven customer engagement.
- FIS: FIS is a global banking technology incumbent and was an early investor in BOND.AI's 2017 round. Its core and digital banking suite increasingly bundles AI analytics, making it both an investor and a potential competitor at the same FI buyers.
- nCino: nCino is a cloud banking operating system used by community and regional banks, increasingly embedding AI-driven analytics and engagement features that overlap with BOND.AI's Autopilot platform. Larger incumbent with broader product portfolio.
Others
- Plaid: Plaid provides financial data connectivity and consumer-permissioned data infrastructure used by banks and fintechs. Comparable to BOND.AI as adjacent data/identity infrastructure that powers personalization in financial services, though it does not directly compete in engagement automation.
Emerging players
- Posh AI: Posh AI provides conversational AI assistants for community banks and credit unions, an emerging point-solution competitor to parts of BOND.AI's Autopilot customer engagement stack.
Direct peers
- Kasisto: Kasisto provides conversational and empathetic AI for banking customer engagement (KAI platform). Comparable to BOND.AI in applying human-centric AI to financial institution customer interactions.
- Personetics: Personetics offers AI-driven personalized financial insights and engagement for banks, directly overlapping BOND.AI's Autopilot Profit use cases (1:1 outreach, deposit growth, share-of-wallet). Both target community and mid-tier banks with transaction-data-driven personalization.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
BOND.AI social profiles
Digital presenceBOND.AI compliance and trust
Trust signalCompliance1 record
BOND.AI financial estimates
Financial estimateRevenue estimate
Valuation estimate
BOND.AI leadership team
Management profileNumber of profiles
Profiles6 records
BOND.AI subsidiaries and ownership
Company hierarchySubsidiaries1 record
BOND.AI funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BOND.AI M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BOND.AI
What does BOND.AI do?
BOND.AI builds the Empathy Engine, a proprietary human-centered AI platform that combines Human World Models, Empathic Reasoning, Agentic Action, and Narrative Synthesis to model individuals rather than cohorts. Its primary commercial offering, Autopilot, is an AI Operating System for banks and credit unions that automates deposit growth, lending, and customer engagement, and is sold in two subscription modules: Autopilot Analyst (forecasting and early-warning) and Autopilot Profit (growth and engagement automation). The company also sells 101+, a direct-to-consumer longevity membership platform.
Is BOND.AI a public or private company?
BOND.AI is a private company. It is classified as venture growth investor backed and is currently operating.
When was BOND.AI founded?
BOND.AI was founded in 2016. It employs 11 to 50 people.
Where is BOND.AI based?
BOND.AI is headquartered in Little Rock, United States, in the North America region.
How does BOND.AI make money?
Two revenue lines are on record. Subscription Licensing - Autopilot Platform is the primary driver. The others are AI Healthcare Platform (101+).
Who are BOND.AI's main competitors?
Broad incumbents on record are MX Technologies, Salesforce Financial Services Cloud, Q2 (now part of Alkami), Temenos, FIS and nCino. Plaid is listed as an others. Posh AI is listed as an emerging player. Direct peers are Kasisto and Personetics.
Does BOND.AI have an API?
No public API is recorded for BOND.AI.
What industry is BOND.AI in?
BOND.AI's product category is AI Banking Platform. Its primary akta.pro industry code is HDAAAGAH, Financial Services Personalization (Banking, Investing, Insurance), with a secondary code of HDAEANAA, End-to-End Enterprise AI Platforms (MLOps & Model Lifecycle Management). Its NAICS code is 5132 and its SIC code is 7372.