Altur

What do they actually do

Altur runs a live SaaS platform that automates outbound debt‑collection outreach with AI voice agents and coordinated SMS/WhatsApp follow‑up. Customers use a dashboard to configure an agent (name, tone, goals), upload a contact list, set schedules and rules, and then launch campaigns that place calls via Altur’s telephony while operators monitor outcomes in real time. The product includes reporting, call‑level outcomes, QA/grading, and a compliance/policy layer, plus APIs/webhooks for CRM and collections‑system sync Altur site.

They are operating today with banks and call‑center partners in Latin America, having launched in Mexico. YC’s listing notes they’ve been working with banks/call centers in the region and reports that Altur’s AI agents have already collected over $6M USD on live accounts, indicating the product is in production use YC launch page Tyler Bosmeny post.

Who are their target customer(s)

• Banks’ in‑house collections teams (retail banks, credit‑card, consumer‑loan units): They need to recover past‑due balances while keeping costs down and avoiding regulator fines, but manual calling is expensive, reach rates are low, and outcomes vary widely by agent.
• Third‑party collection agencies and call centers: Hiring, training, and supervising large agent teams is slow and costly; turnover is high, and quality/compliance often slip as volume scales.
• Compliance, legal, and audit teams at financial institutions: They must ensure every outreach meets consent/disclosure rules and maintain tamper‑proof records for audits, but manual processes create gaps and slow vendor approvals.
• Small and mid‑sized lenders/fintechs in LATAM handling many low‑value accounts: They need a low‑cost, automated way to collect many small balances without hurting customer relationships; in‑house teams don’t scale and outsourcing erodes margins.

How would they acquire their first 10, 50, and 100 customers

• First 10: Convert warm introductions with Mexican banks and local collection shops into short, outcome‑based pilots where Altur is paid per dollar collected to bypass slow procurement; use live dashboards and reported collection results as proof Altur site YC launch page.
• First 50: Partner with third‑party call centers and regional telephony/CPaaS providers to resell Altur as a productivity add‑on, with a referral program tied to verified collections; publish case studies from early bank pilots to speed partner onboarding Altur site YC launch page.
• First 100: Stand up a small enterprise sales team for larger banks and midsize lenders across LATAM, offering compliance packs, SSO/CRM connectors, and volume pricing; invest in managed telephony/deliverability and a standardized onboarding playbook to shorten sales and deployment cycles Altur site YC launch page.

What is the rough total addressable market

Top-down context:

The global debt‑collection services market is about $30–32B, with the U.S. contributing roughly $13–15B; the portion spent on software/automation tools is estimated at ~$4–6B globally Market.us IBISWorld Federal Register Grand View.

Bottom-up calculation:

Beachhead SAM: assume ~200 targetable LATAM lenders/agencies adopt voice‑agent software at an average $75k ARR, implying ≈$15M near‑term SAM; adding a U.S. wedge of ~400 enterprise buyers at ~$150k ARR adds ≈$60M, for ≈$75M combined initial SAM, within a multi‑billion‑dollar global software pool Grand View LATAM contact center context Mordor.

Assumptions:

• Targetable LATAM buyer count ≈200 and U.S. enterprise buyer count ≈400 for initial waves.
• Average annual contract values of ~$75k (LATAM) and ~$150k (U.S.) for voice‑agent + messaging automation.
• Compliance/readiness allows selling into regulated U.S. buyers at those price points.

Who are some of their notable competitors

• Skit.ai: Enterprise conversational AI that automates collections across voice and messaging with human handoff; competes directly for large bank and agency deals.
• Retell.ai: AI phone agents marketed specifically for debt collection, offering campaign tools and multi‑channel follow‑up—functionally similar for plug‑in outbound campaigns.
• Vodex.ai: Voice AI focused on debt‑collection use cases, emphasizing connect rates and compliance, targeting agencies and lenders.
• Domu (Domu Technology Inc.): YC‑backed startup automating outbound collection calls for banks; close overlap in product and go‑to‑market focus.
• TrueAccord: Large digital‑first collections platform (email/SMS/web self‑serve) that can reduce reliance on human calling, competing for the same bank/fintech budgets via alternative channels.