ISTIVIO builds AI operations agents for regulated industries — wealth management, clinical practice, care at home, and the built environment. They plug into the systems you already run, they log every move they make, and they stop and ask before doing anything you cannot undo.
I · THE ESTATE
Each venture keeps its own character — its own type, its own colour, its own temperature. What they share is the runtime underneath and the standard they are held to. Walk the floors below.
Back-office operations agents for wealth management. Transitions, KYC refresh, account opening, tax-slip reconciliation, cross-border paperwork.
Estimation for Canadian architecture and structural engineering. Three costed model alternatives per submission — cost, carbon, structure.
Practice operations for dental and medical clinics. Recalls, verification, claims triage, and chart preparation that is ready before the room is.
Home care, retirement residences, and long-term care. Documentation, coverage repair, family communication, incident logging.
The boring business suite. Payables, intake, dispatch, reconciliation, approvals. Every module labelled agent or software, honestly.
The agent runtime every floor sits on. Deterministic choreography, resumable execution, the audit ledger, and the licensed desktop apps.
The verification standard for physical commerce. Freight moved, energy flowed, invoices telling the truth — a three-way match at machine speed.
The holding company behind every property on this page. One operating standard, one security posture, one bar for what ships.
II · THE FLOORS
Every floor gets the same runtime and a completely different set of hands. Where a capability is genuinely an agent, we say so. Where it is simply software that should have existed already, we say that too.
Twenty years of wealth-tech went into the front office. The operational plumbing behind it never got touched. Advisor transitions still take three to six months and thousands of forms. That is the floor we are on.
Repaper an advisor’s book in 14 days. Zero NIGO. Or we work for free.
Sold to: Chief Operating Officer · Head of Operations · Chief Compliance Officer
AGT = autonomous agent · SW = software, listed as-is
III · THE MACHINE ROOM
A demo agent has to work once. A deployed agent has to work on the four-hundredth run, at 2am, on the one file that is shaped wrong — and be able to explain itself afterwards. These are the findings that shape everything we ship.
Free-form autonomy is where reliability goes to die. Real workflows get a deterministic supervisor: an explicit state machine with named steps, typed inputs, and hard preconditions. The model does judgement inside a step. It never decides which step comes next.
Supervisor orchestration is not native to the agent SDKs. It is engineered around them. That gap is a build cost we absorbed rather than a feature we waited for.Every tool call, every prompt, every model version, every output, every human approval — appended, timestamped, tamper-evident. Not for us. For the examiner who arrives eighteen months later and asks why the agent did that.
A compliance officer will not approve production usage without this. It is the first thing we build on a new floor, not the last.Sending money, submitting to a regulator, filing to a custodian, emailing a client, executing a trade — every one of these is gated behind an approval by a specific person, with their identity in the ledger. The agent prepares. A person commits.
Guardrails are deterministic code, not instructions in a prompt. A prohibited action is unreachable, not discouraged.A meaningful share of regulated work happens inside thick-client software and portals that have no API and never will. Screen-driving that reasons about what it sees survives a UI change that would break a recorded script. That is where the defensible work is.
Anthropic reports Claude Sonnet 4.6 at 72.5% on OSWorld. We treat that as a capability signal, not a guarantee — every screen-driven step is checkpointed and verified against the system of record.Each system of record gets one well-typed connector — one server, one contract, one set of tests — and every workflow on every floor composes those same connectors. The integration library compounds. The prompts do not.
This is why the second vertical costs a fraction of the first, and the fifth costs almost nothing.Long-running work gets interrupted: rate limits, expired sessions, a portal that goes down at month-end. Every action carries an idempotency key, every run is event-sourced, and a resumed run picks up exactly where it stopped without double-submitting anything.
The failure mode that ends a pilot is not a wrong answer. It is a duplicate submission nobody noticed for three weeks.Benchmark scores do not appear in anyone’s budget. NIGO rate, days-to-revenue, hours returned per advisor per month, claim latency, documentation completed before end of shift — the number the buyer already tracks is the only number that matters.
Every pilot is scoped to one measurable workflow with a pre-agreed success threshold and an exit if we miss it.Canadian client data stays in a Canadian region. Model providers are contractually prohibited from training on it. The AI use-case inventory, the DPA, and the model-version attestations exist before the first client record is touched — because retrofitting them is not possible.
PIPEDA and Quebec Law 25 set the floor. Bank-owned dealers set the ceiling. We build to the ceiling.Benchmark figures cited above are published by their originating vendors and are referenced as capability signals, not as guarantees of performance on your systems. Every deployment is measured against your own operational metric before it is called successful.
IV · THE HOUSE
FlowNexis3 is an AI-native holding company. ISTIVIO is the brand it operates under. The model is the same on every floor: the frontier lab supplies the intelligence, and we supply the integrations, the workflow choreography, the compliance wrapper, and the domain context that makes it safe to put in front of a regulator.
Not the exciting ones. The ones every firm has to deal with and no firm will ever build software for itself. Repapering. Refresh cycles. Reconciliation. Intake. The unglamorous middle.
Anyone can call a model. Almost nobody has built the integration surface, the audit ledger, and the deterministic guardrails that a compliance officer will actually sign off on. That is the product.
The best operations software is the software nobody talks about, because it never had to be talked about. Invisible service. No dashboards nobody asked for. No notifications at 11pm.
Overpromising on AI is the fastest way to an enforcement action in this industry. Every claim on this site is one we will repeat under scrutiny, in writing, in a contract.
V · TERMS OF ENTRY
Every figure below is a placeholder until the tiers are locked. The capability lists are not — they describe what each tier actually gets, today.
PRICING PLACEHOLDER — figures pending. Capability lists are final.
One operator, one workflow, running by the end of the week.
— per seat / month
PlaceholderA department running several agents against real systems of record.
— per month
PlaceholderA whole firm, with integrations built to your stack rather than around it.
— per year
PlaceholderFirms that answer to an examiner and need the security pack before the demo.
Contact annual agreement
Scoped per engagementSome work cannot leave the building. Every tier includes signed desktop builds that run the agent where the data already lives, sync only the audit ledger, and are licensed per seat and revocable centrally.
VI · ENQUIRIES
Tell us the one process your team dreads. If it is a fit, we will scope a paid pilot against a number you already track. If it is not, we will tell you that instead of selling you something.
Or write directly — hello@istivio.com