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NEWAI agent teams for BFSI, healthcare and real estate

Tell AvA what your business needs. Watch it get built.

One sentence is enough. AvA sets up the AI that answers your customers, the work behind each conversation and the channels, then calls your phone so you hear it working.

Write it in any language. Free to start, no card.

Prefer three quick questions? Start in one box and your phone rings in about ten minutes.

Want an AI for yourself? Get the AvA app 4.5
What is AvA?

For businesses that talk to more customers than their team can keep up with, AvA is the AI that answers every lead, order and question in under a minute, by phone, WhatsApp, SMS or email, in the customer’s own language, then does the work behind it: qualifies, books, collects, updates your systems and follows up until it is done.

How it works

From one sentence to your phone ringing.

AvA writes a short plan, you press Build, and it does the setup a team would spend a week on, in your own console.

  1. 01
    Say what you want
    “Call every website lead in Hindi and book a site visit.” Or answer three questions instead.
  2. 02
    Check the plan, press Build
    The assistant, the form, the follow-up journey and the channels, wired together.
  3. 03
    Your phone rings
    Hear exactly what a customer will hear. Then switch it on for real leads.
AvA
Done. Calling you now.
in your console
Call every new website lead in Hindi within a minute and book a site visit.
Here’s the plan4 of 4 built
  • Priya, your sales assistant, speaks Hindi and English
  • Enquiry form, connected to your website
  • Journey: call in under a minute, then WhatsApp
  • Site visits booked into your calendar
Your phone is ringing
It’s Priya. Answer to hear your new assistant.
18,000+
calls placed by AvA assistants
350+
assistants built on the console
28
languages, switching mid-sentence
<1 min
from a new lead to AvA’s first reply

Within the contact hours and consent rules you set: a lead that arrives at night can get a message straight away and a call when your hours open.

Three products, one engine

Win the lead. Keep the customer. Grow the pipeline.

Each runs on the same assistants, journeys, memory and rules, so a person called about an enquiry on Monday is recognised when their order ships on Friday.

WinLive

AvA Leads

Speed to lead. Every enquiry answered while it is still warm, qualified, and handed over or booked.

  1. 1Lead arrives
  2. 2Called in under a minute
  3. 3Qualified on the call
  4. 4Booked or handed over
  5. 5Followed up until yes or no
  • Starts from your website forms, your chat widget, missed calls, IndiaMART, or Meta lead ads and any other app through Zapier, Make or a webhook
  • Native Facebook & Instagram lead ads and Calendly Coming soon
  • Calls back on your own number, then follows up on WhatsApp and email
KeepLive

AvA Orders & Payments

The conversations after the sale: confirm, remind, recover and collect, without anyone chasing a list.

  1. 1Order or invoice event
  2. 2Confirm or remind
  3. 3Payment link sent
  4. 4Waits for the payment
  5. 5Recorded as collected
  • Confirms cash-on-delivery orders before they ship (Shopify)
  • Recovers failed deliveries and re-attempts them (Shiprocket)
  • Payment reminders with a link in your own Razorpay or Cashfree account
GrowLive

AvA Prospect

Find the businesses worth selling to, see why each one fits, and let an AI SDR reach out on the channel each one answers.

  1. 1Describe what you sell
  2. 2AvA finds businesses that fit
  3. 3Each one scored, with reasons
  4. 4Decision makers, emails checked
  5. 5AI SDR follows up to a meeting
  • Searches Google Maps, OpenStreetMap, India’s company register or your own list
  • Reads each business’s website and says why it fits, with an opening line
  • Finds the people who decide and checks their emails before adding them
Solutions by industry

A team of agents, built for how your industry works.

Each agent has one job. Journeys decide who acts next for every customer, your systems get the work, and every touch is checked against the rules first.

All solutions
Banking, financial services & insurance

Every applicant called back. Every due date chased. Every call on the record.

AvA runs the conversations a lender or insurer has thousands of a month: loan enquiries in the first minute, documents collected on WhatsApp, polite reminders before and after a due date, and renewals, each one checked against the contact rules before it goes out and kept on the record after.

See the BFSI blueprint
  • NBFCs & digital lendersLoan enquiries, KYC, EMI reminders
  • Banks & credit cardsLead callbacks, card activation, dues
  • Insurers & brokersQuotes, renewals, policy servicing
  • Wealth, broking & fintechOnboarding, documents, service desk
Your team, in the loop
  • Disputes and account questions arrive in Handoffs with a written brief
  • Approve a step before it goes out, from the console or WhatsApp
  • Take over any WhatsApp thread
  • Eligible applicants put through live

Where it starts

  • Website & app forms
  • Aggregator & DSA leads (webhook)
  • Inbound calls on your number
  • WhatsApp messages
  • Due dates from your sheet or LMS

Agents built by AvA

  1. Loan enquiry agent
  2. KYC & documents agent
  3. Collections agent
  4. Renewal agent
  5. Service desk agent
Journeys decide what happens next
  • Already paid → stop
  • Promise to pay → remind on that date
  • Dispute → your team
  • Paid → recorded as collected

The work, in your systems

  • Razorpay
  • Cashfree
  • Stripesoon
  • Your LMS / LOS (any REST API)
  • MCP tools
  • Google Sheets
One memory per personEvery channel reads and writes the same record, with typed answers you can filter.
Checked before every call and message
  • Collections calls held to 08:00–19:00
  • A purpose on every journey
  • Consent and opt-outs
  • Recordings you control
The agent architecture

Not one chatbot. A system of agents that gets the work done.

Six layers sit under every setup, in every industry. That is why the agent that called a lead on Monday knows them when their payment is due on Friday, and why every one of them follows the same rules.

  1. 01

    Where people reach you

    Calls, WhatsApp, SMS, email, your website, your apps and your data. Any of them can start a conversation.

    In the console: Channels, forms, integrations
  2. 02

    Agents

    Each assistant has one job, its own voice and language, your knowledge, and the tools it may use mid-conversation.

    In the console: Assistants, knowledge base, voices, tools
  3. 03

    Journeys

    The orchestrator. Decides the next step for each person: wait, retry, branch on what they said, hand over.

    In the console: Journeys, flows, AI decisions
  4. 04

    One memory per person

    Every channel reads and writes the same record, so the second conversation remembers the first.

    In the console: Contacts, memory, typed answers
  5. 05

    The work

    Book, collect, update the CRM, write to a sheet, call your own API. Done, and recorded.

    In the console: Booking, payments, your systems, MCP
  6. 06

    Guardrails

    Consent, opt-outs, contact hours and do-not-call lists checked before every single touch.

    In the console: Contact rules, consent ledger, audit

Six ways to put the agents together.

Most businesses start with one and grow into two or three. AvA picks the shape from what you tell it.

Front desk

One assistant on every channel, answering from your knowledge base, booking and handing over.

Any channelAssistantBook or hand over
Fits: Clinics, service desks, inbound sales

Speed to lead

A new enquiry starts a journey, a call goes out within the minute, and AI judges how it went.

New leadCallAI decidesBook · nurture · hand over
Fits: Lending, real estate, education

A team of specialists

Each step can use a different assistant: a qualifier first, a closer next, a collections agent after the sale.

QualifierCloserCollections
Fits: Lending, insurance, high-value sales

Back office from your data

A sheet row, an order, an invoice or an API record starts it. The agent does the work in your systems.

Your dataFlowAgentYour systems
Fits: Collections, reminders, COD orders

Outbound SDR

AvA Prospect finds businesses that fit, picks each one’s first channel, and AI decides every next step.

FindScoreReach outMeeting
Fits: B2B, agencies, business lending

Human in the loop

Approvals before a step goes out, drafts for you to send, and hand-overs with a written brief.

AgentApprovalYour team
Fits: Regulated work, high-value accounts
Every channel

One assistant. Wherever your customer answers.

A call on Monday, a WhatsApp on Wednesday, an email on Friday. AvA remembers the person across all of them, so nobody repeats themselves.

  • Phone Real calls, inbound and outbound, on your numbers.
  • WhatsApp A shared inbox your team and the AI both work in.
  • SMS Coming soonFor the people who do not use WhatsApp, and the countries where a text is still the expected first touch.
  • Email From your own mailboxes, not a no-reply address.
  • Website The chat widget, hosted forms, and the form already on your site, connected without rebuilding it.
The console

Everything AvA runs on. In every account.

See the platform in depth

AvA, the agent that builds it with you

Describe the job in your own words. AvA plans it, builds the assistants, forms, tables and journeys, and shows you what it made, with an Open link on each. It works the console with you, and asks before anything that sends, spends or publishes.

Set up WhatsApp reminders from my Google Sheet
Here’s the plan: read your sheet, send the reminder two hours before, call anyone who doesn’t reply. Build it?
Sheet connectedJourney builtTemplate ready

Assistants & workbench

Written from your website in minutes, edited visually, with natural voices in every language or your own cloned one. Tested before they talk to anyone.

Journeys

Visual follow-up plans that branch on what each person actually said, with quiet hours and caps built in.

Shared WhatsApp inbox

Your team and the AI in one inbox. Take over any thread mid-conversation, on the same number. Templates and broadcasts too.

Voice calling & campaigns

Inbound and outbound calls on your numbers, quick dials and campaigns of thousands, with recordings and typed answers.

Knowledge base

Your documents, pages and notes, so answers come from your business and not a guess.

Integrations, your own APIs & MCP

Connect the tools you already run, any REST API from its description, and MCP tools. Anything else, through Zapier, Make or a webhook.

HubSpotZoho CRMShopifyRazorpayCashfreeShiprocketIndiaMARTGoogle SheetsZoho BooksTallyPrimeWebhooksMCP

Booking & payments

Slots the AI can offer and hold, and payment links in your own Razorpay or Cashfree account that wait for the payment.

Forms & tables

Hosted forms, or the form already on your site with one line, and typed tables a journey reads and writes.

Analytics & Ops Center

Every channel, every journey and every rupee or dollar spent, on one live screen.

Team, SSO & audit

Roles and record-level access, SAML single sign-on, SCIM and an audit trail you can export.

For developers

Scoped API keys, a public API reference, a realtime voice API, an SDK and an MCP server.

Developer docs →
New

Find customers, with an AI SDR

Say what you sell. AvA Prospect finds businesses that fit from Google Maps, open data or India’s company register, says why each one fits, checks the decision maker’s email, and reaches out on the channel each one answers.

Automate from your own data

Any Google Sheet or API, read as it is. A new row, a change or a date coming round starts a call, a message or an email.

Ready-made editions

Everything an industry needs, installed in one go: the assistants, journeys and tables, wired to each other.

Lending & collectionsClinicReal estateD2CEducation

Speaks 28 languages, and follows callers who switch mid-sentence.

All 22 scheduled languages of India: Assamese, Bengali, Bodo, Dogri, Gujarati, Hindi, Kannada, Kashmiri, Konkani, Maithili, Malayalam, Manipuri, Marathi, Nepali, Odia, Punjabi, Sanskrit, Santali, Sindhi, Tamil, Telugu, Urdu. Plus English, Spanish, French, Arabic, Japanese, Korean.

Fast, and inside the rules

Checks the rules before every call and message.

Calling hours, do-not-call lists, consent and AI disclosure differ by country. AvA checks them for every person, every time, and keeps the record.

  • Consent ledgerEvery grant and withdrawal recorded, with where it came from.
  • One opt-out stops everythingOn every channel and every journey, at once.
  • Do-not-call registersUpload the national lists; listed numbers are never dialled.
  • Contact hours per personWorked out in each contact’s own time zone.
Steal a sentence

What businesses ask AvA to build.

Press “Try this” and it goes into the box at the top. Change the details, then press Build.

BFSI & lending

“Remind borrowers on WhatsApp before their EMI with a payment link, call the ones who have not paid, and note any promise-to-pay date.”

Real estate

“Call every portal and ad enquiry within a minute, ask budget and location, and book a site visit.”

B2B & services

“Qualify every inbound enquiry on a call, send the hot ones to my CRM and book a demo with my team.”

Your business

Something else? Describe it in your own words.

Tell AvA
AvA Social Canvas

Meet your AI marketing co-founder.

You build the business. AvA runs your marketing. Give it your website once. It learns what you sell and how you sound, then plans, designs and posts every week, and answers your comments and DMs.

  • Learns what you sell, your colours and your voice
  • Plans each week of posts around what you sell
  • Writes every caption in your customers’ language
  • Designs posters and carousels with your logo
  • Publishes at the hours your audience is online
  • Answers comments and messages, and flags the tricky ones
  • Shows you what worked, with a short note on what to do next

Posts to Instagram, Facebook, LinkedIn, X, YouTube, TikTok, Threads, Pinterest, Google Business Profile. Writes in 19 languages. Nothing goes live without your OK.

Free plan, no card.

A bakery poster AvA Social Canvas designed for a demo bakery in Dubai
A restaurant poster AvA Social Canvas designed for a demo restaurant in Pune
A florist poster AvA Social Canvas designed for a demo florist in Paris
A café poster AvA Social Canvas designed for a demo café in Mexico
AvA, for you

Want a Jarvis of your own? Build your AvA.

The same AvA, as your personal assistant. Pick who it is, give it skills, and talk to it hands-free, in your language.

  1. 1Pick a personaA witty friend, a calm coach, a chess expert, each with its own voice.
  2. 2Give it skillsCalendar, opening apps, web search and more, one switch each.
  3. 3Say “Hello AvA”And ask. It acts, not just answers.
Choosing an AI persona in the AvA app

Pick who you talk to

Choose an AI persona: a witty friend, a calm coach, a chess expert. Each has its own voice and personality.

AvA replying after a hands-free request

Say “Hello AvA”

Hands-free. Ask out loud and it checks your calendar, plays a song or turns on the torch.

The plugins screen in the AvA app

Give it skills

Plugins for your calendar, opening apps, searching the web and more. Switch each one on or off.

Chatting with AvA in Bengali

In your language

Talk in Hindi, Bengali, Tamil or English, or mix them in one sentence.

AvA summarising a web page

Writing help, everywhere

Summarise, translate and reply to what is on your screen, in any app.

More on what it does: the AvA companion · AvA for Android · Vidya, the AI tutor built on AvA

AvA Partner, for agencies

Sell AvA under your own brand.

Your domain, your logo, your prices. Each client in their own account with their own budget. Publish your best setups to the marketplace and keep 70% of every sale.

  • Custom domains
  • Your branding
  • Client accounts
  • Per-client budgets
  • Data isolation
  • Marketplace
Pricing

Pay for what runs. Nothing else.

Top up a prepaid balance in US dollars. Calls, messages and AI steps draw it down as they happen, itemised in your console. No seats, no minimum.

A phone call
$0.05
per connected minute, all in
A WhatsApp message
from $0.0044
Meta’s rate for the country, plus our platform fee
Building it
Free
to sign up and watch AvA build your desk
See every rate
Where we work

Built in the world’s hardest market. Opening everywhere.

India taught AvA the job: 22 languages, WhatsApp first, strict calling rules. If it works there, it works anywhere.

Now
  • India
  • United Arab Emirates
  • Saudi Arabia
Next
  • United Kingdom
  • Australia
  • Singapore
Through agencies
  • United States
Later
  • Latin America
  • South-East Asia

AvA in IndiaAvA in the UAEAvA in the UKAvA in the USBy industryCompare AvA

Questions

Asked a lot.

Straight answers. Anything else, ask us.

What is AvA?

AvA is AI for customer conversations and the work behind them, made by PathOr. It is not only for sales: it answers every lead, order and support question in under a minute, by phone, WhatsApp, SMS or email, in the customer’s own language, then does the work: qualifies, books, collects, confirms orders, updates your CRM and sheets, and follows up until it is done. The same family includes AvA Social Canvas, an AI marketing co-founder that plans, designs and publishes your social posts, and the AvA app, a personal AI assistant for Android, with iPhone and desktop in beta.

Do I need to code or write prompts to use AvA?

No. Tell AvA in one sentence what you want, for example “call every new website lead in Hindi and book a site visit”. AvA proposes a plan, you press Build, and it sets up the assistant, the form, the follow-up journey and the channels in your console. You can also answer three questions instead and have AvA call your own phone to show you what a lead will hear.

Does it really reply in under a minute?

A form, a webhook or a missed call starts the reply straight away rather than waiting for a batch. It still respects the contact hours and consent rules you set, so a lead at midnight can get a WhatsApp message at once and a call when your hours open.

Which countries does it work in?

India today, with the UAE and Saudi Arabia opening now, then the UK, Australia and Singapore. In the US we work through agency partners. Phone numbers outside India come through Twilio, and you can bring your own Twilio account. WhatsApp and email work wherever your customers are.

Which languages does it speak?

All 22 languages of the Eighth Schedule of the Indian Constitution, plus English, Arabic, Spanish, French, Japanese and Korean. Callers can switch language mid-sentence and the AI follows them.

What does it cost?

You top up a prepaid balance in US dollars and pay for what runs: $0.05 per connected minute for a phone call, with the carrier, speech, reasoning, transcript and recording all included, and WhatsApp messages from $0.0044 each depending on the country and message type. There are no seat licences and no minimum. Pricing per qualified lead is available on request.

How does it avoid calling people it should not?

Every touch is checked first: the consent ledger, account-wide opt-outs, your contact hours in the contact’s own time zone, and in India the DND register and TRAI number rules. The AvA global release adds per-country rules: do-not-call registers you upload (such as the US National DNC list or the UK TPS) and an AI disclosure at the start of every call.

Will it work with my CRM and tools?

HubSpot and Zoho CRM sync built in, with Salesforce, Pipedrive and GoHighLevel arriving next; Shopify, Shiprocket, Razorpay, Cashfree, Stripe, Zoho Books, Tally, IndiaMART and Google Sheets connectors; webhooks in and out; any REST API; and MCP tools. Meta lead ads and Calendly are getting native connectors; today they, and most other apps, connect through Zapier, Make or a webhook.

Can my agency sell it under our own brand?

Yes. Run the whole console on your own domain and brand, give each client their own account with its own budget and data isolation, set your own prices, and publish ready-made solutions to the AvA marketplace, where publishers keep 70% of each sale.

Is AvA SOC 2 certified?

Not yet. We publish what we do instead: role-based access with per-record scopes, SAML single sign-on and SCIM, an exportable audit trail, a consent ledger, retention periods, a breach register, and our sub-processor list. A data processing agreement is available on request.

What is AvA Social Canvas?

AvA Social Canvas is the AI marketing co-founder in the AvA family. Give it your website once and it learns what you sell, your colours and your voice, then plans each week of posts, writes captions in 19 languages, designs posters and carousels with your logo, publishes on Instagram, Facebook, LinkedIn, X, YouTube, TikTok, Threads, Pinterest and Google Business Profile, and answers comments and messages. Nothing goes live without your OK, and there is a free plan. It lives at canvas.ava.pathor.ai.

Is there an AvA app for my phone or computer?

Yes. AvA for Android is free on Google Play: pick a persona, say “Hello AvA” hands-free, and it checks your calendar, opens apps, searches the web and helps you write, in your language. The iPhone and desktop apps are in beta, with testers lists open on this site, and you can talk to AvA in your browser right now.

What should AvA build first?

Ten minutes from now, your phone could ring with your new assistant on the line.

Just want AvA for yourself? Get it on Google Play