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Description
Customer operations in finance runs on slow, manual processes: disputes that sit in queues for weeks, KYC checks that stall on missing documents, lending queries that bounce between teams. Gradient Labs builds specialist AI agents that take on this work end to end. Each agent, from Lending to Disputes to KYC, owns its full case and comes with frontline support across voice, chat, and email, so nothing gets dropped between the front line and the back office.
The company was founded by the team behind Monzo's AI and built for financial services from the ground up, with the compliance demands of a regulated industry designed in from day one. Wise, Current, and Zego run its agents in production, in some of the largest AI deployments in the industry. Against human teams, the agents score higher on CSAT and QA, and have never lost on resolution rate.
Description
Hay.chat is a source-available AI customer service platform built on the Model Context Protocol. It handles the repetitive stuff (order status, refund requests, address changes) on its own, and routes complex or VIP queries straight to your support team.
You write playbooks in plain language to control what gets resolved automatically and what gets escalated.
The architecture splits LLM reasoning from action execution.
When the AI decides a refund should be processed or a record updated, a separate validation layer checks the decision before anything gets touched. Destructive operations go through two-stage confidence scoring.
Connects to the tools e-commerce and SaaS teams already run: Shopify, WooCommerce, Zendesk, HubSpot, Stripe, and others. No visual flow builders.
Full source code available for audit under the Hay Community Licence v1.0 (source-available, not OSI-approved open source).
EU-hosted on DigitalOcean, Ireland and Amsterdam regions. Self-hosted deployment is an option.
AI resolutions bundled into flat monthly tiers, not billed per resolution. Covers WhatsApp, Instagram, web chat, and email. Multilingual.
From €50/month. 30-day free trial, no credit card required.
API Access
Has API
Yes
API Access
Has API
No
Integrations
Zendesk
Yes
Dialpad Connect
Yes
Dixa
Yes
Freshcaller
Yes
Freshchat
Yes
Freshdesk
Yes
HubSpot CRM
No
Intercom
Yes
LiveChat
Yes
Magento
No
Integrations
Zendesk
Yes
Dialpad Connect
No
Dixa
No
Freshcaller
No
Freshchat
No
Freshdesk
No
HubSpot CRM
Yes
Intercom
No
LiveChat
No
Magento
Yes
Pricing Details
Charges per case fully resolved by the AI agent
Free Trial
Yes
Free Version
No
Pricing Details
€50/month
30-day free trial. No credit card required.
Free Trial
Yes
Free Version
No
Deployment
Web-Based
Yes
On-Premises
No
iPhone App
No
iPad App
No
Android App
No
Windows
No
Mac
No
Linux
No
Chromebook
No
Deployment
Web-Based
Yes
On-Premises
No
iPhone App
No
iPad App
No
Android App
No
Windows
No
Mac
No
Linux
No
Chromebook
No
Customer Support
Business Hours
Yes
Live Rep (24/7)
No
Online Support
Yes
Customer Support
Business Hours
No
Live Rep (24/7)
No
Online Support
Yes
Types of Training
Training Docs
Yes
Webinars
No
Live Training (Online)
Yes
In Person
Yes
Types of Training
Training Docs
Yes
Webinars
No
Live Training (Online)
Yes
In Person
No
Vendor Details
Company Name
Gradient Labs
Founded
2023
Country
United Kingdom
Website
gradient-labs.ai/
Vendor Details
Company Name
Hay.chat
Founded
2025
Country
Portugal
Website
hay.chat
Product Features
Chatbot
Call to Action
Yes
Context and Coherence
Yes
Human Takeover
Yes
Inline Media / Videos
Yes
Machine Learning
Yes
Natural Language Processing
Yes
Payment Integration
Yes
Prediction
Yes
Ready-made Templates
Yes
Reporting / Analytics
Yes
Sentiment Analysis
Yes
Social Media Integration
No
Product Features
Chatbot
Call to Action
No
Context and Coherence
Yes
Human Takeover
Yes
Inline Media / Videos
No
Machine Learning
No
Natural Language Processing
Yes
Payment Integration
Yes
Prediction
No
Ready-made Templates
No
Reporting / Analytics
Yes
Sentiment Analysis
Yes
Social Media Integration
Yes