New solution: Benefits-Aware Financial Guidance
Read more
Request a demo
If you are an employee who is looking to sign up for your company's benefit, contact help@getcandidly.com.
Sent successfully! We'll get in touch soon
There was an error, check the fields and try again
Agentic Enterprise System
AI-native financial capabilities, built for the enterprise and every end user.
Our Agentic Enterprise System enables partners to deliver personalized, conversational financial guidance that meets users where they work, bank, and engage — configured to your brand, deployed in your platform, and built to drive improved outcomes for your business and your users alike.
AI that turns every financial conversation into a deeper relationship
Retirement industry
Consumer banking
Wealth management
Payroll and HCM
Turn participant engagement into AUM growth
- Increase contributions
- Capture rollovers
- Retain AUM
Personalized guidance surfaces the gap between a participant’s current deferral and their full employer match, often worth thousands a year. It reaches participants at the moments that matter most — a job change, a consolidation decision — and keeps them engaged in between, so your platform stays the default.
Keep your customers’ next financial move in-house
- Convert intent in your experience
- Deepen deposits
- Cross-sell at the right moment
The intent data is already yours — Candidly makes it actionable against your product set. Guidance walks customers from pre-qualification through application without leaving your platform, surfaces savings and budgeting strategies that keep balances in-house, and recognizes when someone is ready for their next product, all in the same conversation.
Make every client interaction a growth opportunity
- Fund open accounts
- Capture held-away assets
- Scale guidance, not headcount
Guidance surfaces the accounts a client has opened but never funded, and walks them through the steps to do it. It identifies consolidation opportunities across their full financial picture and shows the fee and tax impact of bringing assets together — at every client tier, not just the ones an advisor has time for.
Turn benefits spend into measurable ROI
- Increase benefits attach
- Retain clients
- Differentiate offering
Employers fund benefits employees never claim — unclaimed matches, unused HSA seeds, overlooked ESPP discounts. Your platform runs payroll and administers the plan but can’t see which dollars go unused. Candidly makes utilization visible and actionable, turning benefits spend into reported ROI at renewal — so yours doesn’t just administer benefits, it helps employees use them.
Inside the Agentic Enterprise System
The Agentic Enterprise System includes a financial intelligence engine that deterministically computes the guidance, and a conversational layer that delivers it.
The financial intelligence engine is made up of nine specialized capabilities, each one purpose-built for its own financial domain. Every capability analyzes data, runs deterministic calculations, and scans curated reference points to produce actionable, personalized guidance.
That guidance is surfaced through our conversational layer — a white-labeled, embeddable interface that’s as intuitive as it is intelligent — or your own front end.
Financial intelligence engine
Composable capabilities for guidance that connects users to your products
Mix and match holistic financial guidance capabilities to build the experience that’s right for your organization’s goals. Guidance adapts to each user’s financial literacy level, so a first-time saver and a seasoned investor both get insights they can act on.
Account guidance
Retirement, brokerage, 529s, HSA, and held-away accounts
Benefits intelligence
Semantic search across plan documents
Budgeting
Real-time, transaction-grounded guidance on cash flow and goals
College planning
529 savings, financial aid, funding strategy
Debt management
Credit card, mortgage, auto, and personal loans
Employer equity plans
Enrollment, contribution, tax, sell vs. hold
Invest America accounts
Self- and employer-contribution optimization
Retirement
401(k) optimization, match analysis, Roth strategy, decumulation
Student debt
Repayment, refinancing, PSLF, forgiveness
Financial intelligence engine
Five components, one architecture
Each capability consists of five components that produce personalized guidance that the user can safely act on and you can audit. Every one is configurable to your specifications — including Alca, our proprietary next-best-dollar methodology, which calibrates to your institution’s investment philosophy.
Financial intelligence engine
Designed to be bounded, optimized in real time
Our enterprise agent harness is the engineering that surrounds the language model — tunable guardrails, sandboxed calculations, and middleware that enforces safe data access deterministically. It enumerates the actions available in any given situation, so an out-of-policy action isn’t discouraged, it’s unavailable.
State-aware steering
1 in 2 users who would have disengaged stayed in a productive conversation, thanks to state-aware engineering that reads user signals and adjusts in real time to steer users towards your ideal actions and outcomes.1 Learn more
Conversational layer
Intuitive, intelligent, and fully white-labeled
Get to market faster by leveraging our conversational layer. White-label this user-facing interface with your brand’s visual identity and voice, name your conversational experience, and deploy it in your own platform, app, or environment.
Note: Videos on this page are illustrative examples of user experiences Candidly solutions are designed to power. Actual functionality and appearance may vary depending on configuration.
Built for enterprises on the cutting edge
Deepen your digital differentiation
You already have the data and the distribution. We already built the compliance-ready infrastructure, integrations, and front end — so you can achieve speed to market and speed to value.
Built around your business
Guidance is calibrated to your proprietary calculations, compliance posture, and brand voice — so what end users experience is your offering, not ours.
Grows with your footprint
Our horizontally extensible architecture means you can add guidance topics, evolve your white-labeling, and expand integrations to serve new lines of business, populations, and use cases — without rebuilding from scratch.
Two flexible integration configurations
The complete Agentic Enterprise System
Your selection of financial intelligence engine capabilities
Conversational layer, white-labeled to your brand and guidelines
All visual components and action surfaces
Integrated into your digital experience, deployed in our cloud or yours
Financial intelligence engine with your front end
Your selection of financial intelligence engine capabilities
You bring your own front end — your assistant, your app, your agent
Option to include visual components
Deploy through API, MCP, or A2A
AI you can put in front of your people
Purpose-built for finance
Our financial intelligence engine is a multi-agent system with specialized domain capabilities and deterministic, auditable calculations. Where generic frontier models estimate, we compute.
Built for highly regulated industries
We’re SOC 2 Type I & II compliant, NIST 800-53 Rev. 5 aligned, deployable on-prem, and vendor-risk-cleared by some of the largest financial institutions in the country.
Responsible safeguards
Guidance operates within the boundaries you define and is designed to trace back to auditable sources, and production conversations are continuously evaluated.
Ready to learn more?
Learn what Candidly can do for your organization. Schedule a call with our team to get started.
Read our team's insights
1 LangChain, “How Candidly Built State-Aware Agent Harnesses with LangSmith”
2 Based on internal Candidly platform data from October–December 2025. Statistics reflect aggregated, anonymized first-party data from users who engaged with Cait, Candidly’s deployment of the Agentic Enterprise System in the Candidly platform, through employer-sponsored benefits or paid marketing channels. Action refers to users clicking through to a suggested tool within the platform. Product activation refers to initial enrollment or engagement with a Candidly product. Individual experiences and results may vary based on personal financial circumstances, loan details, and available options.
3 Based on internal Candidly onboarding analysis conducted between December 2025 and January 2026, comparing Cait-driven onboarding for 116 users with the control experience for 499 users.