What Spring Labs Holdings, Inc. does

Spring Labs Holdings, Inc. is a privately held AI-native software company headquartered in Marina del Rey, California, with a second revenue office in Denver, Colorado. The company builds an agentic AI platform for regulated financial institutions — sponsor banks, fintech lenders, enterprise banks, banking-as-a-service platforms, and accounts receivable management firms — combining large language models, specialized fine-tuned small models, and traditional machine learning through a proprietary Model Orchestration Layer. Its product suite centers on Zanko (formerly Raia), which deploys purpose-built AI agents for customer experience analysis, full-population QA/QC scoring, complaints detection and response drafting, and end-to-end dispute management, and is overlaid by SummerGRC, an AI-native governance, risk and compliance platform integrating seven modules (Entity & Data Intelligence, Agent Builder, Agent Execution, Project & Case Management, Document & Content System, GRC Tools, and Health & Reporting). The company reports 97% complaint identification accuracy in internal testing, 30% better than base LLMs alone, and serves 36+ customers including 11+ sponsor banks with named references such as WebBank, First Electronic Bank, and Healthcare Finance Direct. The platform connects to 40+ enterprise systems across telephony, CRM, and data warehouse layers and holds SOC 2 Type II and GDPR/DPF certifications.

The company monetizes through enterprise SaaS subscriptions sold via a direct field sales motion with a "Book a Demo" call to action and a high 9/10 trial-to-paid conversion rate. Customer-specific policies and scorecards are encoded into agent tools via a Policy Converter, enabling deployment in roughly two weeks. Spring Labs has raised approximately $8.2 million to date across a May 2025 round and a $5 million May 2026 seed led by BankTech Ventures and Haymaker Ventures. Go-to-market is reinforced by an annual AI-Native Banking & Fintech Conference in Salt Lake City co-sponsored with the Utah Bankers Association and the American Fintech Council, a weekly AI-Native Lunch & Learn webinar series, and the AI-Native Compliance Brief newsletter. The company is led by founders John Sun (CEO, co-founder of Avant and DebtEye), Kevin Lewis (CRO), Peyman Hesami (CPO), and Anna Fridman.

Name

Spring Labs Holdings, Inc.

Legal name

Spring Labs Holdings, Inc.

Website

https://springlabs.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Spring Labs builds an AI-native agentic platform — Zanko and SummerGRC — that automates complaints management, QA, dispute handling, and governance, risk and compliance for sponsor banks, fintech lenders, enterprise banks, BaaS platforms, and ARM firms.

Ownership category

akta.pro rank

Product category

RegTech / AI-Native Compliance Software

NAICS

Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Compliance, GRC Workflow & Audit Automation Platforms (HDAEAHAL)

akta.pro secondary industries

Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE), Digital Experience Monitoring & Management (DEX/DEM, AIOps for EUC) (BPAEAIAF), AI Governance, Risk & Compliance (GRC) Platforms (HDAAAMAA)

Keywords

• Compliance automation software
• AI customer experience platform
• Regtech solutions
• Agentic AI platform
• Banking compliance tools

Headquarters

HQ city

Marina Del Rey

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Spring Labs sells its Zanko platform and SummerGRC compliance platform on a subscription basis to financial institutions (sponsor banks, fintech lenders, enterprise banks, BaaS platforms, ARM firms). The platform is deployed via API integrations with existing telephony, CRM, and email systems.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels6 records

Core offering

Spring Labs is an AI-native compliance and customer experience (CX) platform purpose-built for regulated financial institutions. Its core offering, the Zanko platform (formerly Raia), deploys autonomous AI agents — CX Agent, QA/QC Agent, Complaints Agent, and Disputes Agent — that analyze 100% of customer conversations across telephony, CRM, and email systems to detect complaints, score QA, manage disputes, and draft regulatory responses. Overlaying the agents, SummerGRC provides a unified governance, risk, and compliance platform integrating entity intelligence, agent building/execution, case management, document management, GRC tools, and compliance program reporting.

Product overview

Spring Labs is an AI-native compliance and customer experience platform for financial institutions, delivered as a platform-plus-modules architecture. The core offering centers on Zanko (formerly Raia), which encompasses four AI agents: CX Agent, QA/QC Agent, Complaints Agent, and Disputes Agent. These agents autonomously handle conversation analysis, quality assurance, complaint detection and response, and dispute lifecycle management with 97% accuracy. Overlaying these agents is SummerGRC, an AI-native governance, risk & compliance platform that integrates seven systems: Entity & Data Intelligence, Agent Builder, Agent Execution, Project & Case Management, Document & Content System, GRC Tools, and Compliance Program Health & Reporting. The platform targets sponsor banks, fintech lenders, enterprise banks, BaaS platforms, and ARM (accounts receivable management) firms, connecting to 40+ enterprise tools including major telephony (Five9, Genesys, NICE, Talkdesk, Twilio), CRM (Salesforce, Zendesk, HubSpot), and data warehouse platforms (Snowflake, AWS S3, BigQuery, Databricks).

Differentiator

Problem solved

Functional benefit

Brands

• Zanko: AI-native compliance platform product focusing on complaints, quality assurance, and disputes for financial institutions. Formerly known as Raia.
• SummerGRC
• LiveSight
• TrueZero

Products and services

• SummerGRC AI-native governance, risk, and compliance platform for banks and fintechs that integrates seven systems: Entity & Data Intelligence, Agent Builder, Agent Execution, Project & Case Management, Document & Content System, GRC Tools, and Health & Reporting, overlaying the AI agents.
• Zanko ComplianceAssist (Complaints Agent) AI agent that autonomously detects complaints across every channel, categorizes by root cause, triages by severity, and drafts responses ready for review. Achieves 97% complaint identification accuracy. Sold to compliance officers and chief compliance officers at financial institutions.
• Zanko QA/QC Agent AI agent that scores 100% of conversations against exact scorecards, flags coaching moments, and routes issues to supervisors — moving contact center QA from 2% sampling to full-population coverage. Sold to contact center leaders and QA supervisors at financial institutions.
• Zanko CX Agent AI agent that discovers why customers contact the institution, tracks emerging trends in real time, surfaces experience gaps before they become complaints, and predicts CSAT from conversation patterns. Sold to CX leaders and customer success managers at financial institutions.
• Zanko Disputes Agent AI agent that autonomously manages customer disputes end to end, including intake, classification, evidence collection, validation, regulatory timeline tracking, response letter generation, chargeback management, and disputes analytics. Listed as 'Coming Soon' on the website.
• Raia (rebranded to Zanko) Original conversational-intelligence AI copilot for fintechs, later rebranded to Zanko. Provides conversational AI for compliance and customer experience at financial institutions.

Quantifiable outcome

• 97% complaint identification accuracy vs. ~70% industry average for generic LLMs
• +12 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration44 records

AI capability11 records

Feature8 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• Utah Bankers AssociationflagshipStrategic or Co-development PartnerCo-sponsor of the AI-Native Banking & Fintech Conference. Spring Labs co-hosts the annual conference with the Utah Bankers Association, positioning it as a leading event for compliance and operations leaders in banking and fintech.
• American Fintech Council (AFC)coreStrategic or Co-development PartnerAFC is a partner of the AI-Native Banking & Fintech Conference. Phil Goldfeder, AFC CEO, has provided testimonials praising the conference as a key industry event. Spring Labs is a member of the AFC.
• Governor's Office of Economic Opportunity (Utah)flagshipStrategic or Co-development PartnerOfficial partner of the AI-Native Banking & Fintech Conference 2026, alongside the Utah Bankers Association and other organizations.
• University of Utah Fintech CenterflagshipStrategic or Co-development PartnerConference partner for the AI-Native Banking & Fintech Conference 2026, held at the University of Utah's Ken Garff University Club at Rice-Eccles Stadium.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Verint: Verint is an established enterprise CX analytics, quality assurance, and compliance workforce engagement vendor with deep financial-services deployments. It competes with Spring Labs at the QA/QC and CX analytics layer, though Verint's footprint is much broader and not compliance-vertical-specific.
• Qualtrics: Qualtrics (part of SAP) is a major CX and experience management platform used by financial institutions for customer experience measurement and contact-center analytics. It is adjacent to Spring Labs' CX Agent in uncovering customer drivers and predicting satisfaction, but Qualtrics relies more heavily on survey data than conversation-level AI.
• Medallia: Medallia is an enterprise customer experience analytics platform with financial-services deployments in voice-of-customer and contact-center analytics. It overlaps with Spring Labs' CX Agent in discovering customer drivers and predicting CSAT, but Medallia is a broader, survey-first incumbent rather than a conversation-first AI compliance vendor.
• OneTrust: OneTrust is a broad GRC, privacy, and compliance platform used by banks and large enterprises. It is comparable to Spring Labs' SummerGRC platform on governance, risk, and compliance program management, though OneTrust spans privacy, ESG, and ethics beyond Spring Labs' narrower complaints/QA focus.
• ServiceNow GRC: ServiceNow's GRC and Integrated Risk Management suite is widely deployed at enterprise banks for case management, audit, and compliance workflows. It competes with Spring Labs' SummerGRC at the case- and project-management layer of compliance programs, but ServiceNow is a horizontal platform rather than a financial-services compliance specialist.
• NICE Actimize: NICE Actimize is the dominant enterprise financial-crime, AML, and trade surveillance suite, now combined with NICE's CX analytics assets. It is comparable to Spring Labs as a heavyweight incumbent in regulated-finance compliance, including surveillance and QA adjacent to Zanko's complaints and disputes products.

Direct peers

• CallMiner: CallMiner (now part of NICE) provides conversation analytics, quality monitoring, and agent scoring for contact centers in financial services and other regulated verticals. It overlaps directly with Spring Labs' CX Agent and QA/QC Agent, both of which are designed for 100% call scoring in compliance-sensitive banks.
• Behavox: Behavox provides AI-driven compliance and conduct-risk monitoring of employee communications for banks and other regulated financial institutions. It is the most direct competitor to Spring Labs' Zanko Complaints/QA agents because both target surveillance and regulatory analytics inside US/UK financial firms.
• Theta Lake: Theta Lake applies AI to compliance surveillance, archiving, and risk detection across collaboration, voice, and video in regulated industries. It is comparable to Spring Labs on the regulated-conversation surveillance and CX-side of the Zanko platform, especially around SEC/FINRA-style review use cases.

Emerging players

• Lucinity: Lucinity applies generative-AI agents and case-management software to AML and compliance operations at banks and fintechs. It is a comparable emerging player to Spring Labs on the agentic AI-for-finance-compliance thesis, albeit with a heavier AML orientation versus Spring Labs' complaints/QA/CX focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors3 records

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 Spring Labs Holdings, Inc.