# SUNDRIFT AI

> SUNDRIFT AI is the intelligence layer for the Australian mortgage industry. We build enterprise-grade AI infrastructure — world models, multi-agent orchestration, and compliance-aware APIs — enabling fully autonomous mortgage origination from lead to settlement. Sovereign Australian infrastructure. Data never leaves australian-southeast1 (Sydney).

## Company

- **Website:** https://sundriftai.com.au
- **API Console:** https://console.sundriftai.com.au
- **LinkedIn:** https://www.linkedin.com/company/sundriftai
- **Country:** Australia
- **ABN:** Active — SUNDRIFT AI PTY LTD
- **Industry:** AI Infrastructure / Mortgage Fintech / RegTech
- **Stage:** Private preview — API access open
- **Headquarters:** Sydney, NSW, Australia

## Founder

- **Name:** Yarin Cohen
- **Role:** Founder & CEO
- **Background:** Industrial Engineer. 20+ years across Israel and USA in programmatic advertising and digital media. Former Co-Founder at Lucrad, COO at Adipolo. Moved to Australia with deep understanding of operational complexity at scale.
- **Mission:** Eliminate the "Scaling Wall" — the compliance and operational bottleneck that prevents Australian mortgage brokers from growing beyond 6–8 clients per broker per month.
- **Contact:** yarin@sundrift.com.au
- **LinkedIn:** https://www.linkedin.com/in/moshe-yarin-cohen/
- **Book a call:** https://calendar.app.google/28UaQQ6exH3ZN8Ep9

## The Problem

Australian mortgage brokers process 6–8 loans/broker/month on average. The industry ceiling is set by:
1. Compliance overhead — ASIC/NCCP regulatory requirements absorb ~40% of daily broker time
2. Document fragmentation — 30–60 documents per application, multiple lenders, manual verification
3. Lender policy complexity — 40+ major lenders, each with unique product rules updated monthly
4. No native AI tooling — existing CRMs (Salesforce, MyCRM, Salestrekker, Mercury) have no built-in intelligence layer

SUNDRIFT AI's thesis: remove these ceilings via a sovereign AI intelligence layer that works above existing CRMs — no migration required.

## Products

### SUNDRIFT OS
Full-stack AI operating layer for mortgage brokers. Sits above existing CRMs as an orchestration layer. Does not require CRM migration. Key capabilities:
- Lead qualification and intent scoring (LEAD_QUALIFIER agent)
- Automated document collection workflows (DOCUMENT_COLLECTOR agent)
- ASIC/NCCP compliance enforcement (COMPLIANCE_OFFICER agent)
- Lender policy matching and product recommendation (LENDER_ANALYST agent)
- Client lifecycle management (CLIENT_LIFECYCLE_MANAGER agent)
- Settlement tracking and pipeline visibility
- Human-in-the-loop escalation at critical gates
- Deterministic state-machine routing (G01–G120 gates)

### VEGA 1.1 (API Platform)
Proprietary mortgage intelligence model accessible via REST API. Trained on:
- Australian credit legislation (NCCP, ASIC RG 206, ASIC RG 209)
- APRA CPS 234 compliance requirements
- 40+ lender policy sets (major banks + non-bank lenders)
- LIXI 2.0 document schemas
- Historical settlement workflows and exception patterns

Key endpoints:
- `POST /v1/agents/run` — invoke any VEGA agent role
- `POST /v1/agents/run` with `role_id: DOCUMENT_COLLECTOR` — document workflow
- `POST /v1/agents/run` with `role_id: COMPLIANCE_OFFICER` — compliance check
- `GET /v1/keys` — API key management
- Full API docs: https://sundriftai.com.au/api

### API Console (console.sundriftai.com.au)
Developer dashboard. Features:
- API key generation and management (role-scoped)
- Real-time usage analytics and token consumption
- AUD billing and ATO-compliant invoicing
- Team access controls and role management
- Webhook configuration
- Agent invocation history and audit log
- Support via AI agent (Ramon)

## AI Agent Roster (VEGA 1.1)

| Role ID | Name | Capability | Status |
|---------|------|------------|--------|
| DOCUMENT_COLLECTOR | Lucy | Document intake, validation, fraud signals, missing-doc workflows | Live |
| LEAD_QUALIFIER | Mike | Lead qualification, intent classification, CRM routing | Live |
| COMPLIANCE_OFFICER | Jordan | ASIC/NCCP enforcement, policy reasoning, audit trail | Live |
| LENDER_ANALYST | Leo | Lender policy matching, product recommendation, rate analysis | Live |
| CLIENT_LIFECYCLE_MANAGER | — | Pipeline management, status updates, client comms | Beta |
| LOCAL_MARKETING_EXPERT | — | Broker marketing automation, local area targeting | Coming soon |
| PAID_ADS_MANAGER | — | Digital advertising optimization for brokers | Coming soon |
| CREATIVE_DIRECTOR | — | Marketing creative and content generation | Coming soon |
| DATA_ANALYST | — | Portfolio analytics, broker performance reporting | Coming soon |
| BUSINESS_STRATEGIST | — | Growth strategy, market intelligence | Coming soon |

## Technical Architecture

### Infrastructure
- **API Gateway:** VEGA Gateway — Cloud Run, australia-southeast1
- **Model Serving:** Vertex AI Endpoints — fine-tuned Mistral-7B class, NF4 quantized for T4 GPU
- **Auth:** Firebase Auth (Google OAuth + SMS MFA via Twilio Verify)
- **Data:** Firestore (australia-southeast1), Cloud Storage AU
- **Analytics:** BigQuery (australia-southeast1)
- **CDN/Hosting:** Firebase Hosting + Cloud Run (Cloud Armor DDoS protection)
- **Region policy:** australia-southeast1 ONLY — no fallback to US/EU regions

### State Machine
Gate-based workflow routing system covering the full mortgage lifecycle:
- 120 discrete gates (G01–G120) + workflow gates (W-prefix)
- 32 synergy gates connecting Tier-A agent handoffs
- Human-in-the-loop (HITL) escalation protocol at critical decision points
- Deterministic routing — no probabilistic branching in production
- Full audit envelope per transition (actor, timestamp, reason, IP, payload hash)

### Training & Model Stack
- Base: Mistral-7B instruction-tuned
- Fine-tuning: LoRA adapters per agent role
- Framework: Hugging Face TGI on Vertex AI
- Dataset: VEGA training corpus — multi-agent scenarios with role boundaries, state transitions, counterfactual near-misses
- Quantization: BitsAndBytes NF4 for T4 GPU serving

## Compliance & Regulatory Alignment

- **ASIC:** RG 206 (credit licensing), RG 209 (responsible lending), RG 255
- **NCCP Act 2009:** Full National Consumer Credit Protection Act compliance logic
- **APRA CPS 234:** Information security controls aligned
- **Australian Privacy Act 1988:** APP-compliant PII handling
- **ATO compliance:** GST-compliant invoicing with sequential numbering (INV-AU-YYYY-NNNNN)
- **Data residency:** australia-southeast1 (Sydney) — no exceptions
- **PII controls:** Tokenization + masking before model interaction
- **Audit:** Append-only Firestore audit log per APRA requirements

## Pricing

Usage-based, AUD, ex-GST:
- Token pricing varies by agent role (DOCUMENT_COLLECTOR from A$2.50/M input tokens)
- Plans: Free (100K tokens/mo), Starter (A$49/mo, 2M tokens), Growth (A$199/mo, 10M tokens), Scale (A$799/mo, 50M tokens), Enterprise (custom)
- ATO-compliant monthly invoices
- No setup fees, no seat licenses

## Supported Integrations

CRM compatibility (overlay, no migration):
- Salesforce
- MyCRM
- Salestrekker
- Mercury
- HubSpot
- Custom via REST API

## Recognition & Partnerships

- Google for Startups
- NVIDIA Inception Program
- OpenAI
- SMEC AI
- BOAB

## Key Pages

- [Home](https://sundriftai.com.au/): Platform overview
- [Mortgage Brokers / OS](https://sundriftai.com.au/platform): SUNDRIFT OS for brokers
- [Developers / API](https://sundriftai.com.au/api): Headless API documentation
- [Models / VEGA](https://sundriftai.com.au/models): World model capabilities
- [Compliance](https://sundriftai.com.au/compliance): Regulatory alignment
- [About](https://sundriftai.com.au/about): Founder story
- [Documentation](https://sundriftai.com.au/docs): Developer docs
- [Contact](https://sundriftai.com.au/contact): Get in touch / book a call

## SEO Keywords

Australian mortgage AI, AI mortgage broker software, NCCP compliance AI, ASIC-aligned fintech, mortgage origination AI, lender policy intelligence, document collection AI, VEGA AI model, SUNDRIFT AI, Australian fintech, mortgage automation, responsible lending AI, AI CRM overlay, broker workflow automation, mortgage API Australia

## Contact

- **General:** https://sundriftai.com.au/contact
- **Book a demo:** https://calendar.app.google/28UaQQ6exH3ZN8Ep9
- **Email:** yarin@sundrift.com.au
- **LinkedIn:** https://www.linkedin.com/company/sundriftai