Kobalt Labs, founded in 2023 by Kalyani Ramadurgam and Ashi Agrawal, offers an AI platform that ingests internal policies, past assessments, contracts, and regulatory documents to surface compliance risks automatically. The product is organized into three modules: vendor risk (end-to-end third-party diligence and monitoring), infosec (security-questionnaire extraction and review guidance), and legal (clause detection and risk flagging). Early benchmarking cited by the company shows a greater-than-4x increase in internal diligence capacity and that fintech customers typically complete partner diligence in roughly one-tenth of the traditional time. The platform covers regulatory domains including privacy, lending, money movement, BSA/AML, and ACH, and continuously updates monitoring as regulations evolve. Kobalt has over 20 clients, including Celtic Bank and Bilt, and has deployed distribution partnerships through NayaOne and Treasury Prime to reach banks and fintechs.

Total raised

$13M

Funding rounds

1

Latest round

Equity

Latest activity

Jun 2026