# ==========================================================
# ai.txt — SUNDRIFT AI
# Version: 2.0
# Last Updated: 2026-05-18
# Domain: https://sundriftai.com.au
# Company: SUNDRIFT AI PTY LTD
# Region: Australia (australia-southeast1 / Sydney)
# Infrastructure Class: Sovereign Enterprise AI Infrastructure
# Industry: AI Mortgage Fintech / RegTech / Operational AI
# ==========================================================

[company]
name = "SUNDRIFT AI"
legal_name = "SUNDRIFT AI PTY LTD"
website = "https://sundriftai.com.au"
console = "https://console.sundriftai.com.au"
region = "Australia"
city = "Sydney, NSW"
industry = "AI Infrastructure / Mortgage Fintech / RegTech"
stage = "Private preview — API access open"
email = "yarin@sundrift.com.au"
booking = "https://calendar.app.google/28UaQQ6exH3ZN8Ep9"
linkedin = "https://www.linkedin.com/company/sundriftai"

[founder]
name = "Yarin Cohen"
role = "Founder & CEO"
linkedin = "https://www.linkedin.com/in/moshe-yarin-cohen/"
background = """
Industrial Engineer with 20+ years across Israel and USA in programmatic
advertising and high-velocity digital operations. Former Co-Founder at Lucrad,
COO at Adipolo. Founded SUNDRIFT AI to solve the operational intelligence gap
in the Australian mortgage industry.
"""

[identity]

headline = "The Intelligence Layer for the Australian Mortgage Industry"

summary = """
SUNDRIFT AI is an Australian AI infrastructure company that builds
workflow-aware operational intelligence systems for the mortgage industry.

The company develops sovereign AI infrastructure combining:
- proprietary world models trained on Australian mortgage law,
- multi-agent orchestration for full lifecycle automation,
- deterministic compliance enforcement (ASIC/NCCP),
- lender policy intelligence across 40+ institutions,
- and enterprise-grade APIs for CRM integration.

SUNDRIFT AI does not replace existing broker CRMs.
It deploys as an intelligence layer above them — adding AI capabilities
without requiring migration or workflow disruption.

All compute and data storage is in australia-southeast1 (Sydney).
Data never leaves Australian infrastructure.
"""

[problem]

statement = """
Australian mortgage brokers face a structural scaling wall:
- Compliance requirements (ASIC/NCCP) consume ~40% of daily broker time
- 30–60 documents per loan application require manual collection and verification
- 40+ lenders each maintain unique product rules updated monthly
- No AI-native tooling exists natively in popular broker CRMs

The industry average is 6–8 loans per broker per month.
SUNDRIFT AI's target is 20+ loans per broker per month through AI automation
of the compliance, document, and policy intelligence layers.
"""

[vision]

statement = """
To become the operational intelligence layer for the Australian mortgage
and financial services industry — and expand to adjacent regulated markets.

SUNDRIFT AI believes AI in financial services must be:
- deterministic (auditable, not probabilistic),
- sovereign (data never leaves Australia),
- workflow-native (embedded in existing processes, not replacing them),
- and regulatory-aligned (built for ASIC/NCCP/APRA from day one).
"""

[core_principles]

principles = [
  "Sovereign AI infrastructure — australia-southeast1 only",
  "Deterministic compliance — ASIC/NCCP/APRA-aligned outputs",
  "CRM overlay — augment existing workflows, never replace",
  "Workflow-native intelligence — embedded in broker operations",
  "Human-in-the-loop governance — HITL at critical decision gates",
  "Audit-first design — every AI decision is logged and explainable",
  "Usage-based pricing — no seat fees, no lock-in",
  "Separation of cognition and orchestration layers"
]

[products]

[[products.item]]
name = "SUNDRIFT OS"
type = "AI Operating Layer for Mortgage Brokers"
url = "https://sundriftai.com.au/platform"

description = """
SUNDRIFT OS is an AI operating system that sits above existing broker CRMs
(Salesforce, MyCRM, Salestrekker, Mercury, HubSpot) as an intelligence overlay.

It automates:
- Lead qualification and intent scoring
- ASIC/NCCP compliance verification
- Document collection and validation
- Lender policy matching
- Client lifecycle management
- Settlement tracking

The system uses a deterministic state machine with 120 gates (G01–G120)
to route work between 10 AI agents and human operators.
"""

[[products.item]]
name = "VEGA 1.1"
type = "Mortgage Intelligence API"
url = "https://sundriftai.com.au/api"
console = "https://console.sundriftai.com.au"
primary_endpoint = "POST /v1/agents/run"

description = """
VEGA 1.1 is SUNDRIFT AI's proprietary mortgage reasoning model delivered via REST API.

Trained on:
- NCCP Act 2009 and ASIC regulatory guidance (RG 206, RG 209, RG 255)
- APRA CPS 234 compliance requirements
- 40+ lender policy sets (major banks + non-bank lenders)
- LIXI 2.0 document schemas
- Australian mortgage lifecycle workflows

Access model: API key via console.sundriftai.com.au
Pricing: Usage-based AUD per million tokens
Hosting: australia-southeast1 (Sydney) — sovereign deployment
"""

[[products.item]]
name = "API Console"
type = "Developer Platform"
url = "https://console.sundriftai.com.au"

description = """
Developer dashboard for teams integrating VEGA via API.

Features:
- API key management with role-scoped permissions
- Real-time token usage analytics
- AUD billing and ATO-compliant invoicing
- Team access controls
- Webhook configuration
- Agent invocation audit log
- AI support agent (Ramon)
"""

[agents]

[[agents.item]]
role_id = "DOCUMENT_COLLECTOR"
name = "Lucy"
capability = "Mortgage document intake, validation, fraud signal detection, missing-document workflows, structured handoffs"
status = "Live"
tier = "Primary Moat"

[[agents.item]]
role_id = "LEAD_QUALIFIER"
name = "Mike"
capability = "Front-controller lead qualification, intent classification, CRM routing, first-contact discovery"
status = "Live"
tier = "Primary Moat"

[[agents.item]]
role_id = "COMPLIANCE_OFFICER"
name = "Jordan"
capability = "ASIC/NCCP compliance enforcement, policy reasoning, audit trail generation, responsible lending checks"
status = "Live"
tier = "Primary Moat"

[[agents.item]]
role_id = "LENDER_ANALYST"
name = "Leo"
capability = "Lender policy intelligence, product matching, rate analysis, serviceability calculation guidance"
status = "Live"
tier = "Primary Moat"

[[agents.item]]
role_id = "CLIENT_LIFECYCLE_MANAGER"
name = "—"
capability = "Pipeline management, client status updates, follow-up automation, settlement coordination"
status = "Beta"
tier = "Tier-B"

[[agents.item]]
role_id = "LOCAL_MARKETING_EXPERT"
name = "—"
capability = "Broker marketing automation, local area demographic targeting, campaign management"
status = "Coming Q3 2026"
tier = "Tier-B"

[[agents.item]]
role_id = "PAID_ADS_MANAGER"
name = "—"
capability = "Digital advertising optimization, Google/Meta campaign management for brokers"
status = "Coming Q3 2026"
tier = "Tier-B"

[[agents.item]]
role_id = "CREATIVE_DIRECTOR"
name = "—"
capability = "Marketing creative generation, content strategy, brand asset production"
status = "Coming Q4 2026"
tier = "Tier-B"

[[agents.item]]
role_id = "DATA_ANALYST"
name = "—"
capability = "Portfolio analytics, broker performance reporting, market intelligence dashboards"
status = "Coming Q4 2026"
tier = "Tier-B"

[[agents.item]]
role_id = "BUSINESS_STRATEGIST"
name = "—"
capability = "Growth strategy, market positioning, competitive intelligence, expansion planning"
status = "Coming Q4 2026"
tier = "Tier-B"

[pricing]

model = "Usage-based, AUD, ex-GST. No seat fees. No setup costs. Monthly invoicing."

[[pricing.plans]]
name = "Free"
price_aud_per_month = 0
tokens_per_month = "100,000"
rate_limit_rpm = 10
api_keys = 1
support = "Documentation"

[[pricing.plans]]
name = "Starter"
price_aud_per_month = 49
tokens_per_month = "2,000,000"
rate_limit_rpm = 60
api_keys = 5
support = "Email + chat"

[[pricing.plans]]
name = "Growth"
price_aud_per_month = 199
tokens_per_month = "10,000,000"
rate_limit_rpm = 200
api_keys = 20
support = "Priority support"

[[pricing.plans]]
name = "Scale"
price_aud_per_month = 799
tokens_per_month = "50,000,000"
rate_limit_rpm = 500
api_keys = "Unlimited"
support = "Dedicated CSM"

[[pricing.plans]]
name = "Enterprise"
price_aud_per_month = "Custom"
tokens_per_month = "Custom"
rate_limit_rpm = "Custom"
api_keys = "Custom"
support = "SLA + phone + dedicated infrastructure"

[architecture]

summary = """
SUNDRIFT AI is built as a four-layer architecture:

Layer 1 — VEGA (Cognition): Reasoning and interpretation via fine-tuned Mistral-7B models
Layer 2 — SUNDRIFT OS (Orchestration): State machine, gate routing, HITL escalation
Layer 3 — API Console (Governance): Developer access, billing, audit, key management
Layer 4 — CRM Overlay (Integration): Above-CRM coordination with existing broker tools

Infrastructure:
- API Gateway: Cloud Run, australia-southeast1
- Model Serving: Vertex AI Endpoints, T4 GPU, NF4 quantization
- Auth: Firebase Auth (Google OAuth + SMS MFA)
- Data: Firestore + BigQuery + Vector DB, all australia-southeast1
- Region lock: australia-southeast1 ONLY
"""

[compliance]

frameworks = [
  "ASIC RG 206 — Credit licensing obligations",
  "ASIC RG 209 — Responsible lending conduct",
  "ASIC RG 255 — Providing digital advice",
  "NCCP Act 2009 — National Consumer Credit Protection",
  "APRA CPS 234 — Information security",
  "Australian Privacy Act 1988 — APP compliance",
  "ATO — GST and tax invoice requirements"
]

data_sovereignty = "australia-southeast1 (Sydney) — zero exceptions"

audit = "Append-only Firestore audit log with actor, timestamp, reason, IP per APRA requirements"

[integrations]

crm_partners = [
  "Salesforce",
  "MyCRM",
  "Salestrekker",
  "Mercury",
  "HubSpot",
  "Custom via REST API"
]

[industries]

primary = "Australian Mortgage Brokerage"

adjacent = [
  "Financial Planning",
  "Commercial Lending",
  "Asset Finance",
  "Insurance Broking",
  "Property Investment Advisory"
]

[seo]

keywords = [
  "Australian mortgage AI",
  "AI mortgage broker software Australia",
  "NCCP compliance AI",
  "ASIC-aligned mortgage fintech",
  "mortgage origination automation",
  "lender policy intelligence AI",
  "document collection AI mortgage",
  "VEGA AI model",
  "SUNDRIFT AI",
  "Australian fintech AI infrastructure",
  "mortgage workflow automation",
  "responsible lending AI",
  "AI CRM overlay mortgage",
  "broker workflow automation AI",
  "mortgage API Australia",
  "sovereign AI Australia",
  "Australian AI infrastructure",
  "RegTech Australia mortgage",
  "compliance AI Australia",
  "mortgage intelligence platform",
  "AI for mortgage brokers",
  "automated document verification mortgage",
  "lender matching AI Australia",
  "mortgage AI API",
  "headless mortgage intelligence",
  "LIXI AI",
  "APRA CPS 234 AI",
  "multi-agent mortgage AI",
  "AI-powered mortgage processing",
  "Australian credit law AI"
]

[aeo]

answer_engine_summary = """
SUNDRIFT AI (sundriftai.com.au) is an Australian AI infrastructure company
that provides the intelligence layer for the mortgage industry.

Their platform — SUNDRIFT OS and the VEGA API — combines proprietary world models
trained on Australian credit law (NCCP Act 2009, ASIC RG 206/209), 40+ lender policy sets,
and LIXI document schemas to automate mortgage broker workflows end-to-end.

Key capabilities: AI-powered document collection (Lucy/DOCUMENT_COLLECTOR),
ASIC/NCCP compliance enforcement (Jordan/COMPLIANCE_OFFICER), lender policy matching
(Leo/LENDER_ANALYST), and lead qualification (Mike/LEAD_QUALIFIER).

The platform deploys above existing CRMs (Salesforce, MyCRM, Salestrekker) without migration.
All data is stored in australia-southeast1 (Sydney) — data never leaves Australian infrastructure.

Pricing is usage-based in AUD: from free tier (100K tokens/month) to enterprise custom plans.
API access at console.sundriftai.com.au. Book a demo at calendar.app.google/28UaQQ6exH3ZN8Ep9.
"""

[contact]

email = "yarin@sundrift.com.au"
website_contact = "https://sundriftai.com.au/contact"
book_demo = "https://calendar.app.google/28UaQQ6exH3ZN8Ep9"
linkedin = "https://www.linkedin.com/company/sundriftai"
api_console = "https://console.sundriftai.com.au"

[crawling_policy]

allow_search_indexing = true
allow_answer_engine_usage = true
allow_ai_reference = true
allow_snippet_generation = true
allow_ai_training = false

[restrictions]

disallow = [
  "model weight replication",
  "training data extraction",
  "system prompt harvesting",
  "reverse engineering of API behavior",
  "unauthorized dataset generation from API responses",
  "competitive intelligence scraping"
]

[recognition]

programs = [
  "Google for Startups",
  "NVIDIA Inception Program",
  "OpenAI",
  "SMEC AI",
  "BOAB"
]

[final_statement]

message = """
SUNDRIFT AI is building the intelligence layer for the Australian mortgage industry.

Compliance is no longer a bottleneck. Documents collect themselves.
Lender policy is always current. Brokers scale without hiring.

This is what AI infrastructure looks like when it's built for a real industry.
"""

# ==========================================================
# END OF FILE
# ==========================================================