Trail AI vs Stryd. No CDR consent required.
Stryd is a polished Perth-built retention engine with an AFG aggregator deal and a CDR-accredited Open Banking pipeline. It does refinance alerts and client comms well. Trail AI takes a different path: read the commission statement you already get, run AI extraction and scoring over the whole book on day one, and add the clawback and valuation work Stryd doesn't touch.
Where the two products diverge
| Stryd | Trail AI |
|---|---|
| Data source is live Open Banking / CDR — requires per-client consent flow before any loan shows up. | Data source is the aggregator commission statement itself — entire book is visible from upload one without chasing client consent. |
| Distribution is aggregator-led (AFG via Suite360, March 2026); growth is gated by aggregator deals and CDR consent rates. | Self-serve for any broker on any aggregator from day one; no aggregator partnership or CDR accreditation required to onboard. |
| Retention messaging engine — refinance alerts, email/SMS templates, repricing nudges; AI is not a headline capability. | AI-first: document extraction, predictive clawback, AI refinance scoring with reasoning, and a conversational assistant over the book. |
| Pricing is per-seat (A$150-A$197/user/mo) with loan-count overage, geared to mid-to-large brokerages and aggregator rollouts. | Positioned for solo and small brokers with transparent self-serve pricing and a trial — no per-loan metering or aggregator gating. |
| Clawback and commission accuracy are not surfaced — focus is forward-looking refinance/retention only. | Covers the full commission lifecycle: ingest statements, predict clawback, reconcile trail, then layer refinance/retention on top. |
Three reasons it wins on the same book
Your whole book on day one
No CDR consent flow, no waiting for clients to link their bank. Upload last month's aggregator statement and every active loan is in the dashboard inside minutes.
AI that reasons, not just alerts
Every refinance candidate gets a 0-100 score with a one-paragraph explanation, plus predictive clawback flags. Stryd sends alerts; Trail AI shows its work.
Built for solo and small brokerages
Transparent self-serve pricing, 7-day trial without a card, no aggregator partnership required. You don't need to be on AFG to use it.
Try it on your book.
Upload one statement. See the whole book, scored and explained, before you even think about a CDR consent flow. 7-day trial, no card required.
Stryd product details and AFG distribution facts referenced on this page were drawn from the following public sources, accessed May 2026: