The advisor focuses on the client.
Kao does the rest.

Built on ACPR 2024-R-03
Data hosted in the EU
No migration
Get a demo →Watch it work
A calm Mediterranean coast at dawn — the advisor's wider view
kao.app — Florian Béranger / onboardingListening…

Meeting transcript

Profil Investisseur — auto-filling

Capital disponible—
Profil de risque—
Allocation actions—
Horizon—
Rapport d'adéquationDERRecueil
Works on the stack you already run
Google DriveMicrosoft WordOutlookWealthcomExcel
The problem

Wealth managers are not managing wealth.

French advisors spend up to 40% of the week on regulatory paperwork — not on advice. The same client data is retyped across eight documents, hunted by hand across notes, Drive, insurer portals and a legacy CRM.

40%
of an advisor's week spent on back-office administration.
8
regulatory documents, the same data retyped into each.
5h
of manual work for every new client onboarded.
120
clients — the ceiling an independent hits before breaking.
The product

Four surfaces. One advisor signing off.

01 — Capture

Listens to the meeting. Reads the documents.

Drop the audio, upload the statements and IDs. Kao transcribes, runs OCR, and structures every fact a regulator will ask about.

  • Transcription tuned to French wealth vocabulary
  • OCR on bank, identity and contract documents
  • Pulls prior context from the CRM
Transcribing47:13 · FR
Documents detected4
Facts extracted12
CRM updates proposed3
02 — Generate

Fills your templates. Word for word.

Rapport d'adéquation, DER, Recueil, Profil Investisseur — generated from the cabinet's own templates, to the AMF's requirements.

  • Your cabinet templates, honoured exactly
  • Built on the ACPR 2024-R-03 framework
  • Every claim traced to its source
Generated documents4 / 4
Rapport d'adéquation.docx ✓
DER.pdf ✓
Recueil.docx ✓
Profil Investisseur.pdf ✓
03 — Sync

Updates the CRM. You review.

Risk profile, life events, available capital — pushed back into Wealthcom. Nothing is written without your sign-off.

  • Field-by-field sync with Wealthcom
  • A clear diff view before any write
  • An audit log on every change
CRM diff — awaiting approval3 fields
Risk profileÉquilibré Dynamique
Available capital+612 000 €
Horizon12 yrs
04 — Close

Lands in Drive. Ready to sign.

Signed PDFs land in the client's Drive folder. The compliance file is complete, the archive auto-built. You close the loop in one click.

  • Your Drive folder structure preserved
  • Electronic signature ready out of the box
  • The compliance archive, built automatically
/Clients/Béranger/2026-Q2/complete
Rapport_adequation_signe.pdf ✓
DER_signe.pdf ✓
Profil_investisseur.pdf ✓
Annexes / (4) ✓
Inside Kao

Meeting in. Compliance file out.

01
Listens & reads

Transcribes the meeting and runs OCR on every document.

02
Fills templates

Rapport, DER, Recueil — in the cabinet's own tone.

03
Updates the CRM

A clear diff to Wealthcom. You approve each write.

04
Lands in Drive

Signed PDFs, filed. The archive built for you.

FAQ

Questions advisors ask.

Do I need to change my CRM or templates?
No. Kao works on top of Wealthcom, Drive, Word, Outlook and Excel. Your templates stay yours, your folder structure stays yours. We adapt to your workflow — not the other way around.
How long does onboarding take?
Our design partner was generating compliant documents in under a week. We connect to your Drive and Wealthcom, ingest your existing templates, and you start with one real client.
Where does client data live? Is it secure?
Data is hosted in the EU with row-level security and encryption at rest. Audio and documents stay in your isolated tenant. We never train models on your data.
Which regulatory framework does Kao follow?
Kao is built around ACPR 2024-R-03 and AMF requirements — rapport d'adéquation, DER, Recueil, Profil Investisseur. Every generated field traces back to a source in the meeting or a document.
Does the advisor review every output?
Yes. Kao proposes, the advisor approves. Nothing is written to the CRM or signed without explicit sign-off, and every change is logged.

Do the work that matters.

Founding-cohort access is open. Set up in under a week, on the stack you already run.

Get a demo →