AI-NATIVE FINANCIAL PLANNING
Fiduciary-Grade Advice at Scale
Unomia.io delivers comprehensive financial planning powered by multi-agent AI orchestration, real-time regulatory intelligence, and rigorous tax optimization.
The Six Layers
Unomia.io is built on a sophisticated six-layer architecture that processes client data, generates AI recommendations, and ensures regulatory compliance.
1. Data Ingestion
Plaid, Finicity, MX, Carta, Textract — normalize all financial data into the unified schema.
2. Client Financial Model
Live unified model of every client's financial life — accounts, income, tax profile, goals.
3. AI Reasoning Engine
Multi-agent orchestration with Claude Opus 4.6, GPT-4o, and domain-specific specialists.
4. Regulatory Intelligence
Live IRS/SEC/FINRA/state monitoring via RAG pipeline with automatic plan updates.
5. Compliance & Oversight
Tiered human review (Tier 1-4), immutable audit trail, suitability scoring.
6. Presentation Layer
Advisor dashboard, client portal, white-label API/SDK for integrations.
Tech Stack
Backend
- • NestJS (REST + GraphQL API)
- • Prisma ORM
- • PostgreSQL 16 + TimescaleDB
- • Redis + Kafka
- • Bull job queues
AI/ML
- • Claude Opus 4.6 (reasoning)
- • GPT-4o (investments)
- • LangGraph orchestration
- • Pinecone vector DB
- • NumPy/SciPy simulations
Frontend
- • Next.js 14 App Router
- • TypeScript
- • Tailwind CSS + shadcn/ui
- • TanStack Query
- • Recharts visualizations
Multi-Agent Architecture
The AI Reasoning Engine orchestrates specialized domain agents, each trained for specific financial planning domains.