Pavan Agarwal's journey and the inspiration behind AngelAi and Angel Twin, driving financial inclusion and cultural preservation.
"Everyone should have fair and unbiased access to financial security."
Mission
Our mission is to lead the global transition to the Ai and blockchain economy. AngelAi has helped tens of thousands leapfrog traditional banks through the delivery of fair, easy, and low-cost Banking Without the Bank.
Vision
A transformative vision to make finance inclusive, accessible, and future-proof. Over 2 Billion people are unbanked.
Problem We Solve
AngelAi addresses today’s financial exclusion by providing underserved and unbanked populations with Ai-driven tools for fair lending, Ai mortgage (home) finance, microfinance, and Credit Boost - No Service Fees* and without judgment.
Integrating blockchain and personal Ai Twin technology prepares these individuals for the future Ai economy, enabling them to leapfrog traditional banking systems and access global markets.
This approach ensures they are not just included now but empowered to thrive in a rapidly evolving, technology-driven world.
Without a roadmap for the underserved to engage in the Ai economy, the current disparity will evolve into systemic, generational disenfranchisement.
Celligence and AngelAi: Strategic Partnership with Mortgage Treasury
Celligence has entered into a strategic investment agreement with Mortgage Treasury, a real estate finance entity backed by a group of Japan-based venture funds, long-term institutional capital, and family offices. Under the agreement, Mortgage Treasury has committed up to $100 million to support the continued growth of AngelAi, Celligence's flagship empathetic and autonomous AI platform.
AngelAi currently serves more than 400,000 users.
With this new capital, Celligence plans to:
Scale AngelAi's user base significantly across the U.S. and international markets
Deepen AngelAi's predictive analytics engine and financial-product suite
Strengthen infrastructure to support international regulatory frameworks
Expand operational footprint across North America and Asia-Pacific
About the Investment
Mortgage Treasury's investment carries a mechanism to convert into equity in Celligence. Celligence and Mortgage Treasury will share additional detail on the applicable conversion terms — including timing and pricing — as those steps are finalized.
Separately, Celligence commissioned a third-party analysis from Liquidax evaluating the potential future value of AngelAi's underlying technology and intellectual property. That analysis estimates a potential valuation of up to $119 billion under certain future growth scenarios. This figure is forward-looking and illustrative — it reflects a potential platform/IP valuation scenario, not Celligence's current equity or enterprise valuation.
Leadership Perspectives
CEO and Founder of Celligence:
"We're grateful to Mortgage Treasury for their confidence in our long-term growth strategy, through which we intend to pursue a leading position in the mortgage and broader financial services market. This investment validates our core mission: to revolutionize how people interact with financial institutions through intelligent, trustworthy, and empathetic technology. With Mortgage Treasury's support, we're positioned to accelerate our product roadmap, strengthen our technology architecture, and extend AngelAi's reach to millions of users worldwide."
Mr. Nakano
Board Member of Mortgage Treasury, commented on the firm's decision:
"We are strategically aligned with this investment and encourage the growth of AngelAi. Our extensive study into the current state of lending concluded that the only way to source pristine credit assets for our investors is those assets are manufactured by AngelAi's TLM (a deterministic AI) where there is no possibility of contaminating the asset quality with human bias and errors. AngelAi's patented Transactional Language Model (TLM) has raised the expectations of A.I. from theoretical capability to completing complex real-world, multi-step, multi-discipline processes that are traditionally completed by large teams of humans. Platforms like AngelAi set the standard for operational excellence and human-interface design. We anticipate tremendous cross-border opportunities as Celligence scales its proprietary technology globally."
John D. Waiheʻe III
former Governor of Hawaii and CEO of Mortgage Treasury:
"Our investment reflects our confidence in the AngelAi platform and its underlying technology. AngelAi addresses real bottlenecks in loan originations and secondary market transactions, and we're proud to support Celligence's team as they build the future of financial services."
This contains forward-looking statements, including statements regarding anticipated capital deployment, platform growth, market expansion, and potential future valuation scenarios. These statements are based on current expectations and are subject to risks and uncertainties that could cause actual results to differ materially. Celligence undertakes no obligation to update these statements except as required by law.
415,000+
Verified Users
15K
Average Monthly New User Growth
$40 Billion+
of Consumer Finance
140
Worldwide Patents
4.6 Million
Real world finance decisions made
2x
Increase in Approval Rates
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