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AI-native financial capabilities, built for the enterprise and every end user.
Candidly delivers personalized, conversational experiences that meet users where they work, bank, and engage with financial services. In your platform, in your brand, on your timeline.
The end of one-size-fits-all financial guidance
Someone has a 401(k) form open and can’t tell if Roth or traditional is right for them. Someone else is leaving $3,200 in HSA tax savings on the table every year. They’ve both read the articles and used the calculators — but they still don’t know what it means for them in terms of actual numbers, especially when factoring the two together.
Candidly runs the deterministic math on workplace-connected data and returns precise and predictable values in an empathy-rich conversational manner, delivered through Cait™, our Conversational AI Tool, or your own front-end experience.
How it works
Cait, our Conversational AI Tool, is our AI-native financial guidance interface, the experience your customers and employees interact with. Multi-modal across text, voice, and visual, with contextual memory across sessions, calibrated to your brand voice and tone. Embed Cait in your digital properties or deploy as a fully white-labeled experience.
Powering Cait is the Candidly Intelligence Center, an orchestration engine coordinating specialized agents across ten financial domains. Each capability combines deterministic math, vetted decision frameworks, and real-time data. Compliance-forward by design, with full observability and end-to-end audit trails. Partners can also invoke the Candidly Intelligence Center capabilities directly through MCP or API.
Purpose-built for financial guidance
Deterministic by design
Generic AI generates answers. Cait calculates them. Every answer is calculated using the same rigorous financial models a credentialed advisor would use, from Pareto-optimal allocation to Monte Carlo projection to multi-account tax optimization. Real, sophisticated math. Repeatable. Auditable.
Personal to the dollar
Cait connects to live data sources — payroll, balances, transactions, benefits elections — through permissioned, institution-grade integrations. Guidance updates as a person’s financial picture does, and nothing leaves the perimeter you control.
Modular architecture
Every capability in Cait is its own independently deployable unit. Deploy as many or as few as you’d like. Our horizontally extensible architecture means your deployment can grow with you, without the cost or complexity of rebuilding from scratch.
Comprehensive capabilities,
configurable platform
Student debt
College planning
Retirement
Budgeting
Benefits intelligence
Debt management
Multi-account optimization
Employee stock purchase plan
Invest America accounts
Student loan retirement match
Two paths to deploy our AI in your environment
MCP gateway or API
Knowledge, skills, data, and tools exposed through API, MCP, or A2A protocols. You bring your own front end — your assistant, your app, your agent — and consume Cait’s capabilities as backend services.
Cait or white label
The same capabilities, delivered through our Conversational AI Tool, Cait, or embedded and white-labeled inside your surface. Conversational orchestration, visual components, and action surfaces all included.
Why enterprise teams choose Candidly
A decade of domain experience
Candidly’s deep expertise in developing purpose-built workplace financial wellness solutions delivers domain leadership no general-purpose tool can replicate.
Workplace-connected data
We integrate directly with the workplace data systems your users are already connected to — delivering personalization built on real financial data, not self-reported inputs.
Enterprise-grade deployment
Certified SOC 2 Type I & II, NIST 800-53 Rev. 5 aligned, deployable on-prem, fully white-labelable, and vendor-risk-cleared by some of the largest financial institutions in the country.
Ready to learn more?
Schedule a call with our team to learn more about what our AI solutions can do for your organization.
Read our team's insights
1-3 Candidly internal platform data, Oct–Dec 2025. Engagement metrics measured across the student debt and college planning capabilities; patterns expected to transfer across financial domains.