# Cozmo AI

> Cozmo AI (formerly CozmoX AI) builds multimodal 'AI employees' that answer calls, read documents, and complete regulated business processes end to end for financial services, insurance, and enterprise operations. Founded by Alok Kumar and Nuha Hashem - the team behind the Gen Z neobank Zywa - the Y Combinator W22 company runs from San Francisco and Dubai, and says its agents handle voice conversations in 70+ languages including multiple Arabic dialects.

- **Founded:** 2021
- **Headquarters:** San Francisco, United States (EMEA HQ: Dubai, UAE)
- **Founders:** Alok Kumar (Co-Founder and CEO), Nuha Hashem (Co-Founder and CTO)
- **Team size:** 8
- **Products:** See (Vision AI), Speak (Voice AI), Think (Reasoning AI), Do (Skills AI), Agent Protocol Engine (APE)
- **Notable:** Launched what it called MEA's first enterprise-ready voice AI employee platform (December 2024)., Processed 1M+ production calls and 10M+ interactions., Live with 10+ enterprises including Fortune Global 500 companies.

## Products & services

- **See (Vision AI)** — Multimodal understanding of documents, images, and video - used for damage assessment, document analysis, and verification.
- **Speak (Voice AI)** — Natural, human-like voice conversations on inbound and outbound calls in 70+ languages, including multiple Arabic dialects.
- **Think (Reasoning AI)** — The reasoning layer that decides what an AI employee should do next within a business process.
- **Do (Skills AI)** — Executes actions in enterprise systems - restructuring payments, filing claims, updating CRM records.
- **Agent Protocol Engine (APE)** — Coordinates multiple AI agents and tracks each step for compliance and auditability in regulated workflows.
- **Liza (AI Sales Executive)** — Handles prospecting, lead qualification, negotiation, follow-ups, and CRM management through natural voice.
- **Alex (AI Debt Collector)** — Runs collections and recoveries, negotiates payment plans, and follows regulatory compliance rules.
- **Zara (AI Receptionist)** — Routes calls, schedules appointments, takes messages, and resolves customer inquiries.

## Achievements

- Launched what it called MEA's first enterprise-ready voice AI employee platform (December 2024).
- Processed 1M+ production calls and 10M+ interactions.
- Live with 10+ enterprises including Fortune Global 500 companies.
- Raised $3M seed backed by Y Combinator, Dubai Future District Fund, Goodwater Capital, and Rebel Fund.
- Founder Alok Kumar recognized on a Forbes 30 Under 30 list.
- Pivoted from the Gen Z neobank Zywa into enterprise AI while retaining YC backing.

## Latest updates

- **2024-12** — Launched MEA's first enterprise voice AI employee platform, unveiling AI employees Liza, Alex, and Zara.
- **2025-01** — Ran a UAE taxi campaign to showcase voice AI for business transformation.
- **2025** — Rebranded/positioned as Cozmo AI (hellocozmo.ai), expanding into insurance claims (FNOL), collections, and SME lending.

## Links

- Website: https://hellocozmo.ai
- LinkedIn: https://www.linkedin.com/company/cozmo-ai

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Profile page: https://yespress.io/cozmo-ai-yc-w22
Published by YesPress — https://yespress.io
Last updated: 2026-07-31