Agentic where it engages. Analytical where it listens. Deterministic where it must be. One borrower conversation — initiated, understood, securely completed, and written back to your CRM without a handoff falling through.
CEA engages · SLS captures inside the thread · CIA reads every word — and appends it
Every lending funnel leaks in the same four places — and none of them show up on a dashboard, because the evidence is trapped inside calls nobody re-listens to and threads nobody re-reads. Parlay exists to refund those leaks.
The borrower said her income, her balance, her timeline. Twenty minutes later, none of it is in the CRM — and the next touch starts from zero.
Refunded: 50+ fields appended live, every conversation. No re-keying, no memory tax — every file starts complete.
Intent decays in hours. Follow-up happens in days — whenever a human gets back to the queue. The gap is where competitors win the borrower.
Refunded: CEA engages in minutes, autonomously, on every thread — and never forgets one.
"I'll grab your SSN on the next call" is where applications go to die. Every deferred field is a re-contact that may never connect.
Refunded: SLS captures it inside this conversation — more credit-pullable files per lead means more funding opportunities from the same spend.
QA samples 2% of calls, a week later. The other 98% — human and AI — repeat the same misses with nobody watching.
Refunded: every conversation critiqued same-day; winning language promoted to the whole floor via Prompt Lab. Conversion compounds monthly.
Illustrative model — the mechanics are fixed, the magnitudes are yours. Plug your volumes into the calculator in Pricing below.
An agentic system pursues a goal by sensing, deciding, acting, and adapting — without a human directing each step. We hold our own architecture to that definition, because a system where everything is autonomous is a system you can't trust with a mortgage.
And that's the point. At the PII layer, creativity is a liability. One audited procedure, identical every time — no model ever touches the sensitive fields.
Read access to everything, write access to nothing borrower-facing. CIA perceives every conversation and reasons deeply — then informs the humans and the agent. It never sends.
The only one allowed to act — inside guardrails it cannot cross. Autonomy is earned by the architecture around it, not claimed by the word in front of it.
One agent acts. One intelligence watches everything — including the agent. One service handles what neither should ever improvise. That separation is the safety model.
CEA doesn't wait for a human to say "send." It decides an aged lead is worth re-opening at 9:14am local, composes the message for that borrower, sends it from the loan officer's actual line, reads the reply, and runs the thread — handing off to a human the moment the conversation earns one.
Replaces · SMS chat platforms · next-best-action engines · bulk drip tools · a prompt-engineer hire
CIA is the analytical layer over the entire conversation surface: loan officers on the phone, AI voice agents dialing at scale, SMS threads — including the ones CEA writes — and email. One corpus, one intelligence, four audiences.
Replaces · call-analytics suites · conversation-QA platforms · call-tracking tools · manual call-review hours
Per-call scorecard, defining moments with audio clips, prescriptive scripts, do-now actions — plus a manager review with a 1:1 agenda and one focused coaching ask.
The same forensic ear pointed at the machines: dial → contact → transfer cadence analysis, script adherence, vendor QA. Your AI callers get coached too.
Intent, sentiment, and field extraction across text — including CEA's own output, audited turn by turn.
Engagement and intent signal pulled from the slowest channel, fused into the same borrower timeline as voice and SMS.
The analytical layer audits the agentic one. CIA QAs every thread CEA runs — autonomous engagement with a permanent, independent witness.
Every borrower conversation eventually reaches the fields that can never ride a recorded line or sit in an SMS: SSN, date of birth, authorizations. SLS is that moment, handled — a hardened link dropped into the live thread or sent mid-call. The borrower never leaves the conversation. The PII never enters it.
Replaces · PII read over recorded lines · paper authorization forms · "I'll email you a form" friction
CIA extracts the application out of the conversation, SLS completes the fields the conversation can’t carry — and the result exists twice: a human-readable file for review, and a MISMO 3.4 payload your LOS ingests in one click.
<!-- urla_mary_n.xml · MISMO Reference Model 3.4 · excerpt --> <MESSAGE MISMOReferenceModelIdentifier="3.4.032420160128"> <LOAN><TERMS_OF_LOAN> <LoanPurposeType>Refinance</LoanPurposeType> <RefinanceCashOutDeterminationType>CashOut</…> <!-- src: CIA · conf 0.97 --> <BaseLoanAmount>255000</BaseLoanAmount> <!-- balance + cash need --> </TERMS_OF_LOAN></LOAN> <PARTY><INDIVIDUAL> <FirstName>Mary</FirstName><LastName>N.</LastName> <CurrentIncomeMonthlyTotalAmount>8033</…> <!-- src: CIA · "about $96k" --> <TaxpayerIdentifierValue>•••••6841</…> <!-- src: SLS · encrypted at rest --> <BorrowerBirthDate>••••-••-••</BorrowerBirthDate> <!-- src: SLS --> </INDIVIDUAL></PARTY> </MESSAGE> <!-- imports clean into Encompass · Calyx · Byte -->
All Parlay needs is access to your CRM and your call recordings. Everything else — telephony, sending rails, the LOS handoff — plugs into the loop without a rip-and-replace.
Two credentials, one bucket. Recordings land via S3 or SFTP; CRM keys grant read + write. Pulse is live in days — autonomy follows on your schedule, week by week.
Per-seat tools get more expensive every time you hire. Parlay scales with the work — your costs track conversations, every seat is free, and you control the blended rate.
Not every conversation deserves a forensic pass. The Intelligence Router lets you write the rules: which conversations get a fast triage summary, and which get the full three-artifact treatment — scorecard, manager review, drafted follow-up. Your rules set your blended price.
Default model: your telephony, your CRM’s SMS & email rails — Parlay is the analytics and engagement brain, and all it needs is recording access + CRM credentials. Prefer our rails? Managed delivery is metered at 1.5¢ per SMS segment, 2¢ per email, and $2 per number/mo (see Loop+) — SMS runs ~1.4× carrier rack rate (≈30% margin, ≥50% on wholesale routes); email carries the delivery margin. Costs = transcription + model inference (batched & cached) + pipeline + recording storage with 24-month retention, amortized at ≥25K convos/mo; the monthly minimums cover the fixed floor below that. Margins are targets at scale, not promises — published because the model only works if it’s honest.
All it takes to start: recording access + CRM credentials. We make money on the spread — not on your headcount.
Connect a recording source and a CRM, and Parlay starts producing intelligence on day one — engagement and secure capture switch on when you’re ready.
No seat licenses · cancel anytime · your data stays yours
Tap the number and Ava answers.
Yes: the assistant on the line is the product.
Point tools score the conversation and hand it back. Parlay carries it — from the first autonomous touch to a submittable, credit-pullable file.
Tell us where to reach you. Request a walkthrough — or have Ava, our AI voice assistant, call you right now to set it up. The voice on the line is the engagement layer you’d be buying.