PathPilot

PathPilot builds AI agents for credit and collections at lenders, fintechs, banks and collection agencies. Its agents work the early delinquency book the way a good collector would, contacting accounts by voice, WhatsApp, SMS and email, negotiating payment arrangements inside the lender's policy, logging promises to pay, sending payment links and reminders, and writing dispositions back into the system the lender already runs. An onboarding agent validates identity documents, runs KYC checks and guides applicants through activation, and a quality agent reviews every human and AI conversation with an audit trail. It is designed for consumer and small business lenders in Latin America and beyond that want to grow loan volume without growing headcount at the same pace. Conversations move across channels without losing context, so a case opened on a call can continue over chat with the same arrangement and payment link, and agents escalate to a person only when human judgment is needed. PathPilot's team trains the agent on the lender's own scripts and previously successful calls, runs it first, and then transfers operation to the customer's own AI team. The company holds SOC 2 Type II compliance and describes the product as built for regulated financial environments. Pricing is outcome based: the customer pays per successful action, at the same rate on every channel. Amounts are not published, and engagement begins with a conversation with the PathPilot team rather than a self serve plan. PathPilot is backed by Y Combinator and is a member of the NVIDIA Inception Program.