DigitalChameleon

What DigitalChameleon does

DigitalChameleon is an Australian AI platform company founded in 2020 that builds a governed execution layer for AI agents deployed inside regulated financial institutions. The company's flagship product, the Chameleon Enterprise AI Gateway, sits between AI models and enterprise systems to provide visual orchestration, codeless integration with core banking, payments, KYC, wealth, and CRM platforms, and platform-enforced governance including an audit engine, access controls, compliance runtime, and explainability module. The platform is model-agnostic across Anthropic, OpenAI, Amazon Bedrock, Google, Microsoft, and custom or local LLMs, built on AWS with 40+ microservices in an event-driven architecture, and supports both managed SaaS and private-instance deployment inside a customer's own AWS VPC.

DigitalChameleon operates three vertical product sub-brands — the Broker AI Suite, Adviser AI Suite, and Accountant AI Suite — targeting mortgage brokers, financial advisers, and accounting practices respectively, with tiered monthly subscriptions in AUD ranging from $99 to $349 and a common backbone of pre-built native integrations (Intelliflo, Praemium, Mercury Nexus, MyCRM, Salesforce, HubSpot, Xero, MYOB, QuickBooks). For larger financial institutions the company delivers custom AI agent implementations starting at a $5,000 minimum implementation fee plus ongoing subscription, with named enterprise customers including Uniting Financial Services (T24 to Finacle core banking migration in five months), Loan Market (6,000+ brokers), Praemium, Intelliflo (deployed across UK, US, Australia), FrankieOne, and Insurance Market New Zealand. Go-to-market combines enterprise field sales for APRA/ASIC-regulated institutions in Australia and New Zealand, a product-led growth motion for SMBs through vertical sub-domain storefronts, and a channel partner model targeting broker aggregators, adviser networks, and professional associations.

DigitalChameleon is privately held, founder-controlled, and bootstrapped with no disclosed external funding rounds. The founder and CEO is Ritesh Srivastava, a 28-year veteran of regulated finance who held senior roles at Oracle, Temenos, Tata, and tier-one banks across Australia, New Zealand, and global markets; the company also lists Jayati Lalwani as Chief Business Officer. Headquartered in Sydney at Level 11, 66 Clarence Street (ABN 53 637 906 248), the company employs 11-50 people and won Gold at the 2026 Infosys Finacle Innovation Awards for its core banking migration work.

Name

DigitalChameleon

Legal name

DigitalChameleon.ai

Website

https://digitalchameleon.ai

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

DigitalChameleon is an Australian AI platform company that provides a governed execution layer for AI agents deployed inside regulated financial institutions, with vertical suites for brokers, advisers, and accountants and enterprise deployments across ANZ, UK, and US markets.

Ownership category

akta.pro rank

Product category

Enterprise AI Governance Platform

NAICS

Computer Systems Design and Related Services (54151), Software Publishers (51321)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro industry

PRIMARYHDAEANAE

Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies)

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Artificial Intelligence Platforms for Enterprise

SECONDARYHDAEANAG

Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII)

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Artificial Intelligence Platforms for Enterprise

SECONDARYHDAEANAI

AI Integration & Orchestration Platforms (Connectors, Workflow, iPaaS for AI)

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Artificial Intelligence Platforms for Enterprise

SECONDARYHDAAAKAL

Audit, Explainability & Accountability Tooling (traceability, reporting)

Hardware, Technology & Telecom/Artificial Intelligence & Machine Learning/AI Security, Privacy & Model Governance

Keywords

• AI governance platform
• Agent orchestration software
• Regulated finance AI
• Visual workflow automation
• AI compliance tooling

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Enterprise Platform Subscription: Monthly or annual subscription for access to the Chameleon AI execution platform. Pricing scales based on use case complexity and deployment scope. Includes security, compliance guardrails, auditability, hosting, monitoring, and maintenance.
2. Custom AI Agent Implementation: One-time implementation and R&D fee for building bespoke AI agents around specific workflows. Starting at $5,000 minimum implementation fee for custom agents. Followed by ongoing platform subscription.
3. Standard Agent Suite Subscription: Monthly subscription for standardized AI agent products: Money Mate ($149-199/mo), Engage ($249/mo), Concierge ($349/mo), Capture ($99-299/mo). Prices in AUD. Includes hosting, monitoring, and continuous upgrades.
4. Website Bundle Add-on: Additional subscription for professional website with AI agent: $79-99/month add-on for advisers and brokers. One-time setup fee of $275 for Money Mate website bundle.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

DigitalChameleon sells the Chameleon Enterprise AI Gateway — a SaaS execution and governance layer that lets regulated financial institutions (banks, credit unions, wealth managers, insurers, advisers, brokers, accountants) deploy AI agents visually without code and govern every action with audit trails. The platform offers model-agnostic orchestration across major LLMs, native connectors to core banking, payments, KYC, wealth and CRM systems, and tiered sub-brand suites (Broker, Adviser, Accountant) sold via subscription plus custom-agent implementation services.

Product overview

DigitalChameleon operates as a unified AI governance platform for regulated institutions, with the core Chameleon Enterprise AI Gateway as the foundational layer. The platform consists of three vertical sub-brands (Broker AI Suite, Adviser AI Suite, Accountant AI Suite) that share the core Chameleon infrastructure while targeting distinct professional services segments. Each suite offers tiered subscription plans and standard offerings (Money Mate, Profit Pal, Broker Buddy), plus custom agent development. Core platform capabilities include Visual Orchestration Tools (Agent Studio, Workflow Builder, Rule Engine, Model Routing, Experience Builder), the AI Governance Runtime (Audit Engine, Access Control, Compliance Runtime, Explainability), and Visual REST Configurator. Two deployment models are offered: Managed SaaS on AWS or Private Instance on Customer AWS. The platform is model-agnostic, supporting Anthropic, OpenAI, Amazon Bedrock, Google, Microsoft, and custom LLMs. The architecture spans 40+ independent microservices across five tiers: Edge & Security, Application & AI, Data & Storage, Integration & Automation, and Observability & Pipeline.

Differentiator

Problem solved

Functional benefit

Brands

• Money Mate: AI front desk product for accountants and small practices — handles client enquiries, qualification, calendar booking, ATO key date updates, and tax calculators. Offered at $149/mo (standalone) or $199/mo (with website bundle).
• Profit Pal
• Broker Buddy
• Chameleon Enterprise AI Gateway

Products and services

• Chameleon Enterprise AI Gateway Primary SaaS platform sold to APRA/ASIC-regulated banks, credit unions, wealth managers, insurers and super funds. Multi-year subscription plus one-off implementation (from A$5,000) for bespoke agents. Provides visual orchestration, codeless REST integration, multi-model LLM support, RAG knowledge layer, and built-in Audit Engine, Access Control, Compliance Runtime and Explainability.
• Broker AI Suite AI-powered platform for mortgage and asset-finance brokers covering lead capture, CRM integration (Mercury Nexus, MyCRM), automated follow-ups, document chasing, database reactivation and multi-broker team routing. Targets solo brokers up to mid-market brokerages in Australia.
• Adviser AI Suite AI suite for Australian financial advisers and advice practices covering ongoing fee consent (DBFO), paraplanning support, Best Interests Duty compliance records, referral partner channels, client portals, fact-find automation, lead qualification and CRM integration with Intelliflo.
• Accountant AI Suite AI-powered platform for Australian accounting firms covering client onboarding, BAS preparation orchestration, year-end coordination, bookkeeping triage, client review preparation, and compliance tracking (TPB CPD, AFSL, ASIC). Integrations with Xero, MYOB and QuickBooks.
• Chameleon SMB Custom AI Agents Bespoke AI agents built around specific SMB workflows. Business teams configure agents visually to automate repetitive work, customer engagement, onboarding, follow-ups and operational workflows, adapting to existing processes, channels and systems.
• Money Mate AI front-desk agent embedded on accountant websites. Handles common client questions, mini intake and qualification, calendar booking, ATO key-date updates and tax calculators. Standard A$149/mo or A$199/mo with website bundle.
• Profit Pal AI agent for financial advisers trained on firm services, philosophy and FAQs. Handles 100–500 conversations/month depending on tier, mini fact-find, qualification, calculators and risk profiling quizzes, with Intelliflo CRM integration.
• Broker Buddy AI agent for brokers trained on services, lender panel and FAQs. Captures leads, monitors email and SMS channels, integrates with Mercury Nexus and MyCRM. Bundled in the A$299/mo Buddy tier and the Concierge tier.
• Visual Orchestration Tools Visual configuration surface that enables business teams to design AI agent workflows without engineering bottlenecks. Includes Agent Studio, Workflow Builder, Rule Engine, Model Routing and Experience Builder, and ships as part of the Chameleon Enterprise AI Gateway subscription.
• AI Governance Runtime Built-in governance module delivered with every Chameleon deployment. Provides an Audit Engine that captures every action at execution, role-based Access Control, a Compliance Runtime enforcing APRA/ASIC/AML requirements, and Explainability that produces decision traces for every AI output.
• Managed SaaS on AWS / Private Instance on Customer AWS Enterprise deployment options for the Chameleon platform: fully managed SaaS on DigitalChameleon-owned AWS (multi-AZ, auto-scaling, CloudFront, WAF, Cognito SSO, API Gateway), or a Private Instance deployed inside the customer's own AWS VPC with customer-owned IAM, change management and data that never leaves the customer perimeter.

Quantifiable outcome

• 5-month core banking migration (vs 18-month industry norm) with zero compliance incidents for Uniting Financial Services
• +5 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

AI capability12 records

Feature12 records

Partnerships

13 partnerships are on record, tiered core, standard and infrastructure.

• Temenos (T24 & Transact)coreTechnology or IntegrationNative integration with Temenos T24 and Transact core banking platforms. Integration patterns validated from live production migrations including account management, transaction processing, customer data, and product configuration.
• Infosys FinaclecoreTechnology or IntegrationFull core banking integration including accounts, loans, deposits, and treasury. Chameleon delivered fastest core migration on record from T24 to Finacle in Australia.
• Payment Rails & Schemes (NPP, BECS, SWIFT, Card Schemes)coreTechnology or IntegrationIntegration with payment infrastructure including New Payments Platform (NPP), BECS, SWIFT, and card schemes. Every payment event has full audit trail at connection layer.
• Consumer Data Right (CDR) & Open FinancecoreTechnology or IntegrationCDR integration for data sharing, consent management, and accredited data recipient flows. All CDR interactions governed and auditable.
• FrankieOnecoreTechnology or IntegrationIntegration with FrankieOne KYC/KYB platform. KYC, KYB, UBO verification, and sanctions screening embedded into every onboarding journey from first interaction.
• PraemiumcoreTechnology or IntegrationLive integration with Praemium wrap platform. AI-powered CRM dashboard embedded natively in core platform for predictive insights and compliance monitoring.
• IntelliflocoreTechnology or IntegrationNative integration with Intelliflo adviser CRM operating across UK, US, and Australia. AI-powered digital fact-find embedded in workflow with real-time synchronisation.
• SalesforcestandardTechnology or IntegrationCRM integration with Salesforce for bidirectional data flow governed at execution layer.
• HubSpotstandardTechnology or IntegrationCRM integration with HubSpot for bidirectional data flow governed at execution layer.
• AWS (Amazon Web Services)infrastructureTechnology or IntegrationPlatform built on AWS with multi-AZ deployment, ECS Fargate, RDS, Secrets Manager, KMS, VPC, CloudFront, WAF, Cognito. AWS infrastructure provides security, scalability, and resilience.
• Xero, MYOB, QuickBooksstandardTechnology or IntegrationAccounting software integrations for accountant suite - pull, push, surface, alert capabilities for practice management.
• Mercury NexusstandardTechnology or IntegrationCRM integration for broker suite - Mercury Nexus available out of the box for lead and client management.
• MyCRMstandardTechnology or IntegrationCRM integration for broker suite - MyCRM available out of the box for broker customer relationship management.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/DigitalCha73

Compliance17 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DigitalChameleon