FatBrain
FatBrain AI (OTCQB: LZGI) provides an AI 2.0 Peer Intelligence subscription platform that scores business, risk, and FX decisions against dynamic peer behavior for SMEs, insurance agents, and financial institutions across 79 countries.
- Company typePublic
- Founded2013
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FatBrain does
FatBrain AI (publicly traded on OTCQB under ticker LZGI, formerly LZG International, Inc., and operated through FatBrain LLC, Delaware) builds an "AI 2.0" Peer Intelligence platform that scores entities and assets against dynamic peer behavior across trade classification (SIC/NAICS/HS), geography (79 countries by postal code), and time series. The platform is delivered as a subscription spanning cloud and on-premise deployment, with proprietary components including FatGPT (a large language model variant engineered for small, private data), Biomimetic AI/ML, Hierarchical AI, and a Private Data Model architecture inspired by Cognitive Neuroscience; three patent families covering these technologies were filed in July 2023.
The product surface is organized around four solution pillars: Finance and Crypto (Angelina FX savings, AML-Crypto, Digital MoFi, BWS-SaaS/Bella), Insurance and Risk (IntellAgent Advisor, InsureTech EaaS via Intellagents, Credit Scoring, Trade Risk, KleptoProof), Supply Chain and Cyber (Trade IQ SaaS, AssetWorth, Forecast IQ SaaS, RansomProof), and AI Enablement (NearKloud, RPA and Analytics, Teams TaaS, Web3 and SNOW). The free RansomProof SaaS backup service acts as a freemium entry point integrated with QuickBooks, Shopify, Salesforce, HubSpot, Slack, and Xero, while IntellAgent Advisor extends into 628,000+ independent P&C agents writing over $450B in premiums via the Rough Notes content partnership.
FatBrain monetizes through AI software subscriptions (recurring), professional services, and episodic one-time contracts, exemplified by a disclosed $21.5M ministry-of-digital-transformation contract completed at 3.5% gross margin that, alongside acquisitions of Prime Source (June 2022, Kazakhstan IT engineering), Intellagents (September 2022, insurance), and SOtechnology (September 2022), drove reported FY2023 revenue (year ending May 31, 2023) to approximately $44M from a $216,166 prior-year base. The company employs 600+ people across offices in New York (HQ), Woodside CA, Abu Dhabi (MENA), and Almaty (engineering), serving a stated addressable market of 213 million SMEs that together drive roughly 50% of global GDP.
FatBrain firmographics
Firmographics- Name
- FatBrain
- Legal name
- FatBrain LLC
- Website
- https://fatbrain.ai
- Company type
- Public
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FatBrain AI (OTCQB: LZGI) provides an AI 2.0 Peer Intelligence subscription platform that scores business, risk, and FX decisions against dynamic peer behavior for SMEs, insurance agents, and financial institutions across 79 countries.
- Ownership category
- akta.pro rank
FatBrain industry classification
Industry- Product category
- AI-Powered Business Intelligence Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)
- akta.pro secondary industries
- Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)
Keywords
Where FatBrain is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
FatBrain business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- AI Software Subscriptions: Subscription model allowing companies to deploy advanced AI solutions quickly and easily, securely utilizing them on premises behind their firewalls or via cloud. FatBrain's subscriptions allow all companies to access AI 2.0 technologies and advanced data services.
- Professional Services: Expert coaching services ranging from on-boarding to long-term engagements, plus strategic technology planning, interim leadership, rapid application development and vendor selection services.
- Contract Services: One-time contracts such as the $21.5M contract to standardize data alignment at 3.5% margin with a ministry of digital transformation supported by proprietary licenses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free forever data protection service |
| Subscription | Monthly | FX Fair Value Report subscription |
| Subscription | Annual | IntellAgent Advisor subscription for insurance agents |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
FatBrain product offering
Product offeringCore offering
FatBrain sells an AI 2.0 Peer Intelligence subscription platform that ingests data from 214 SaaS apps and applies proprietary Peer Intelligence, Hierarchical AI, Private Data Models, and FatGPT technologies to deliver dynamic peer scoring, risk intelligence, FX savings (Angelina), AML/fraud detection, insurance workflow automation (Intellagents/IntellAgent Advisor), SaaS data backup (RansomProof), and a free consumer COVID risk app (CovidRisk.Live).
Product overview
FatBrain is an AI 2.0 platform built on a modular subscription model delivering peer intelligence, risk scoring, and automation solutions across four solution pillars: (1) Finance & Crypto — including Angelina (FX savings), AML-Crypto, Digital MoFi, and BWS-SaaS (Bella); (2) Insurance & Risk — built around the acquired Intellagents insurtech platform with InsureTech EaaS, Credit Scoring, Trade Risk, and KleptoProof; (3) Supply Chain & Cyber — including Trade IQ SaaS, AssetWorth, Forecast IQ SaaS, and RansomProof (free SaaS backup); and (4) AI Enablement — with NearKloud, RPA & Analytics, Teams TaaS, and Web3 & SNOW. The core AI 2.0 engine unifies insights from connected SaaS apps (QuickBooks, Shopify, Salesforce, HubSpot, Slack, Xero) turbo-charged by peer dynamics across 214 SaaS apps, 413 SIC sectors, and 20M+ peer prospects, supported by proprietary FatGPT language model technology. The company also offers IntellAgent Advisor for insurance agents and the free CovidRisk.Live consumer app.
Differentiator
Problem solved
Functional benefit
Brands
- RansomProof: Free forever data protection service that backs up business-critical SaaS applications (Quickbooks, Salesforce, Shopify, etc.) daily
- Angelina
- CovidRisk.Live
- IntellAgents
- FatGPT
- IntellAgent Advisor
- AML-crypto
- KleptoProof
Products and services
- AI 2.0 Subscription Platform Core subscription platform that delivers peer intelligence by unifying data from 214 SaaS apps across 413 SIC sectors and 20M peer prospects for SMBs and enterprises; deployable on-premise behind firewalls or via cloud with no rip-and-replace.
- Angelina (FX Fair Value Report) Subscription-based FX savings tool that analyzes a business's foreign exchange transactions, calculates potential savings by identifying FX cycles, and recommends hedging strategies; powered by Monex and FatBrain's peer intelligence engine, with API access for partner white-labeling.
- RansomProof Free forever SaaS data backup service that automatically backs up QuickBooks, Shopify, Salesforce, HubSpot, Xero, and Slack data once daily to protect SMEs against ransomware; serves as an entry point into the FatBrain ecosystem.
- IntellAgent Advisor Sales enablement SaaS for independent P&C insurance agents powered by FatGPT, automating 145 years of Rough Notes insurance expertise to rapidly analyze prospects across 700 classes of business and recommend optimal coverage.
- InsureTech EaaS (Intellagents Platform) Insurance Ecosystem-as-a-Service platform with 60+ connectors for insurers, brokers, and agents to automate client engagement, channel optimization, risk selection, pricing, fraud mitigation, and book of business acquisitions. SOX, GDPR, and HIPAA compliant.
- CovidRisk.Live Free web app that quantifies COVID-19 risks (viral transmission rate, active cases, government policies) into a community threat score using zip code-based Covid2vec epidemiological modeling.
- AML-Crypto Anti-money laundering solution for cryptocurrency businesses serving 21,000 peers, detecting suspicious financial activities using biomimetic AI pattern recognition.
- KleptoProof Corruption risk management and financial crime controls solution serving 15,000 peers, enabling supply chain compliance and robust financial conduct assurance.
Quantifiable outcome
- Over 20,000% revenue growth year-over-year ($216K to $44M)
- +4 more outcomes
Companies that use FatBrain
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
FatBrain technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability9 records
Feature7 records
FatBrain partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- IntellagentscoreAcquired Intellagents, an innovative insuretech platform that unifies an insurance-specific integration and API management marketplace with connectors to more than 60 insurance capabilities. Enables insurers and brokers to rapidly realize improvements across client engagement, channel optimization, risk selection, pricing, fraud mitigation, product speed to market, and Book of Business acquisitions.
- Prime SourcecoreAcquired Prime Source, the largest independent IT software developer in Kazakhstan and fifth-largest in Central Asia, delivering proven outcomes to enterprises worldwide since 2007. 450 IT engineers serve more than 2,000 customers in Kazakhstan, CIS Region and the United States.
- MonexminorPartnership with Monex for FX savings solutions. Monex serves as the trusted FX provider powering FatBrain's Angelina FX Fair Value Report service, enabling businesses to analyze foreign exchange transactions and identify savings opportunities.
- Rough Notes, Inc.corePartnership with Rough Notes, Inc. (trusted leader supporting independent agents and underwriters since 1878) to power IntellAgent Advisor. Automates 145 years of insurance expertise and delivers it at point of sale using FatBrain's FatGPT technology.
Scale indicators12 records
Recent moves8 records
Expansion highlights7 records
FatBrain competitors and assessment
Company assessmentEmerging players
- Lemonade: AI-native insurance company using behavioral data and ML for underwriting. Comparable to FatBrain's Intellagents insurtech platform applying AI to insurance distribution and risk scoring.
Direct peers
- Sift: Digital trust and safety platform using AI/ML for fraud detection and AML. Comparable to FatBrain's AML-Crypto and KleptoProof solutions applying biomimetic AI to financial crime detection.
- DataRobot: Enterprise AI/ML platform providing automated machine learning and AI applications for business users. Comparable to FatBrain in delivering AI-powered decision intelligence to enterprises and SMEs.
- H2O.ai: Open-source AI/ML platform offering automated ML and generative AI solutions for enterprises. Comparable to FatBrain's peer intelligence and small-data AI capabilities targeting financial services and broader enterprise use cases.
- C3.ai: Enterprise AI application platform offering pre-built and configurable AI solutions across industries. Closely comparable to FatBrain's AI 2.0 subscription model targeting multiple verticals with subscription-based AI services.
- Bold Penguin: Commercial insurance exchange connecting agents, carriers, and customers. Comparable to FatBrain's Intellagents as an insurtech platform targeting independent agents and broker workflows with technology-enabled distribution.
- Upstart: AI lending platform using alternative data and ML for credit decisioning. Directly comparable to FatBrain's credit scoring and AML solutions serving banks and lending institutions with AI-driven risk assessment.
Broad incumbents
- Salesforce Einstein: Embedded AI capabilities within the Salesforce CRM platform. Comparable to FatBrain as an SME-focused AI layer, but bundled with Salesforce's dominant CRM distribution rather than offered standalone.
- Intuit QuickBooks: Dominant SME accounting platform increasingly embedding AI insights for small businesses. Comparable to FatBrain's SME AI 2.0 thesis and direct QuickBooks integration via RansomProof — but with vastly larger distribution and bundled AI features.
- Palantir Technologies: Established AI/data analytics platform serving enterprises and government clients. Comparable to FatBrain as a peer intelligence and risk-scoring platform, though at much larger scale and broader scope across defense, finance, and healthcare.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
FatBrain social profiles
Digital presenceFatBrain compliance and trust
Trust signalCompliance3 records
FatBrain financial estimates
Financial estimateRevenue estimate
Valuation estimate
FatBrain leadership team
Management profileNumber of profiles
Profiles9 records
FatBrain subsidiaries and ownership
Company hierarchySubsidiaries2 records
FatBrain funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FatBrain M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FatBrain
What does FatBrain do?
FatBrain sells an AI 2.0 Peer Intelligence subscription platform that ingests data from 214 SaaS apps and applies proprietary Peer Intelligence, Hierarchical AI, Private Data Models, and FatGPT technologies to deliver dynamic peer scoring, risk intelligence, FX savings (Angelina), AML/fraud detection, insurance workflow automation (Intellagents/IntellAgent Advisor), SaaS data backup (RansomProof), and a free consumer COVID risk app (CovidRisk.Live).
Is FatBrain a public or private company?
FatBrain is a public company. It is classified as public and is currently operating.
When was FatBrain founded?
FatBrain was founded in 2013. It employs 11 to 50 people.
Where is FatBrain based?
FatBrain is headquartered in New York, United States, in the North America region.
How does FatBrain make money?
Three revenue lines are on record. AI Software Subscriptions are the primary driver. The others are professional Services and contract Services.
Who are FatBrain's main competitors?
Lemonade is listed as an emerging player. Direct peers are Sift, DataRobot, H2O.ai, C3.ai, Bold Penguin and Upstart. Broad incumbents are Salesforce Einstein, Intuit QuickBooks and Palantir Technologies.
Does FatBrain have an API?
Yes. FatBrain offers API access to its Fair Value Report (FVR) engine, enabling partners to white label the FatBrain FX solution for their customers and partners. The FX API allows programmatic access to the Fair Value Report engine. Contact: [email protected]. Developer documentation is at monex.fatbrainfx.com.
What industry is FatBrain in?
FatBrain's product category is AI-Powered Business Intelligence Software. Its primary akta.pro industry code is HDAAAGAH, Financial Services Personalization (Banking, Investing, Insurance), with a secondary code of FSAGAGAE, Data, Analytics & AI for Insurance (Risk, Pricing, Personalization). Its NAICS code is 513210 and its SIC code is 7320.