We are building Sonar AI, an autonomous IVR-based financial coaching agent that brings personalized money guidance to anyone with a phone, no apps, no internet required.

The solution works in two modes:

1. Inbound Calls – Users can call Sonar AI anytime to ask questions like “How much did I spend this week?”, “When is my EMI due?”, or “Can I save more this month?”. The agent responds conversationally in their local language.

2. Outbound Calls – Sonar AI proactively reaches out with financial nudges, reminders, and coaching tips. For example, “Hi, your loan payment is due in 2 days. Would you like me to guide you through repayment options?” or “Your income this week is lower than usual, here’s a way to adjust your spending.”

On the backend, Sonar AI connects with 10+ financial and communication data sources through existing MCP integrations including emails, bank alerts, digital wallets, payment receipts, and accounting tools. These integrations allow the agent to automatically capture income flows, track spending activity, and recognize patterns in a user’s financial life. Using this context, Sonar AI adapts its coaching in real time to fit each individual’s situation.
The key features are:

• Adaptive Coaching: Learns from user behavior and tailors guidance over time.

• Voice-first Design: Works on any phone through IVR, supporting multiple local languages.

• Proactive Outreach: Goes beyond support to actively coach, remind, and guide users.

• Financial Inclusion: Designed especially for gig workers and informal sector employees who may not have access to apps or financial advisors.

With Sonar AI, a simple phone call becomes an ongoing, personalized financial coaching experience that helps users take control of their money and make smarter financial decisions, every day.